| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
PORTFOLIO RRECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
XXXX XXXX XXXX TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of
Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connec
tion with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1977 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c XXXX Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/22/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, PORTFOLIO RECOV ASSOC account is { {$580.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) ContinuinXXXX right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am trying to PAY this collection company, Portfolio Recovery Services ( PRA ) and they are preventing me from doing so. They removed my accounts from online pay access and have an amount owed that changes daily and keeps inflating, despite their verbal and written commitment to a specific amount.
They also refuse to provide any information about the debt in writing, only responding to my emails with " we are not permitted to assist you with your request '' and that I may " mail my concerns. '' I first contacted PRA in XXXX to discuss a letter I had received in the mail regarding collection attempts stating that a debt was owed to them.
It is difficult to explain the timeline of events, as they have accounts and amounts that change daily, and they intentionally add complexity, manipulation, and misinformation to a situation that should be straightforward and quickly resolved.
It is so bizarre and unnecessary. Due to the complexity, I am presenting the information in screenshots to better explain various, but key pieces of our interactions and I am happy to provide further clarification wherever needed. This explanation is also provided in the Word document attached, so that the screenshots can be incorporated into the narrative.
The first issue : PRA inflates the amounts and refuses to acknowledge the actual settlement offered. ( Further information about this interaction is below this screenshot ) This screenshot is of a live chat conversation I was having with a PRA representative. ( XXXX ID : XXXX ) My accounts page is opened in the background of our chat. As you can see, the settlement amount offered on the account is {$1400.00}. Yet, in our LIVE chat conversation, the amount offered to me is {$2200.00}. I responded with saying that the amount on the screen, as we speak, is only {$1400.00}. Unfortunately, I do not have the rest of this chat conversation ( Other chat conversations have been copied and pasted ) because this representative abruptly abandoned the chat shortly after the moment you see captured above and the whole chat conversation disappeared when they left. Following what you can see in the screenshot, she reaffirmed that the amount of {$2200.00} was the lowest they could accept and said I was refusing to pay it. I told her it was unethical collection practice and asked for the name of the office manager. That is when they left the chat.
I then rejoined a chat session and got connected with a new PRA representative XXXX XXXX ID : XXXX. ) I explained that I was just speaking with an agent and got disconnected and requested a copy of our chat conversation that had contained several unethical references. I took a quick screenshot with that representative ( See below ) and that person also just abruptly left the chat conversation. I tried to rejoin the chat a third time but was blocked from being able to access it.
I logged out of my PRA accounts page so that I could connect to the chat and connected with a third agent ( XXXX ID : XXXX ) This time I recorded my entire screen so that whatever happened could be captured. The video is 21 minutes long. I have taken some screenshots from the video ( the whole file is too large to send but I can try to compress it if the full exchange is needed. ) So, this is where they are twisting what I am saying and not addressing my concern. He offers me settlement amounts that are higher than they just were YESTERDAY. As you can see, I wrote For the account ending in XXXX, the original amount was {$440.00}. He responds with I understand you do not wish to accept the offer. Please now confirm you wish to dispute this account.
He tells me that PRA records to not confirm that information and that a dispute would be entered. Now, why would they do that when I didnt say anything about a dispute? I told him I had a screenshot of the {$440.00} that I could send. Please see the screenshot of the amount that was then emailed to PRA.
Before I sent this screenshot and had this chat conversation, I had inquired about it by email too.
Please see the pattern of the amount changing only after I reach out to them as outlined below.
EMAIL SENT TO PRA ON XX/XX/2022 Hello, Good afternoon. I'm following up on the emails I wrote on XX/XX/XXXX and XX/XX/XXXX, as I still haven't received a reply. I have also contacted your agency by chat to see if I could receive a reply to my emails to discuss a settlement amount and requested that it be forwarded to management to help. Nobody responded. Since my first inquiry, the amount of the settlement keeps rising, even though I have made initial contact, and nobody is getting back to me.
To start, I called in XXXX about a letter I received from XXXX XXXX. The phone does not connect when I call your agency. It connects to a recording but then no one comes to the phone, and it is dead air. I have recorded the calls to show this and can send it to you.
Next, I tried email but did not receive a reply. I used chat to bring attention to my emails and ask that it be forwarded to management and that still hasn't received a reply.
Today, I called XXXX XXXX with the hope that maybe they can help me. Unfortunately, they said they represent your agency and could not help me. They also stated the settlement offer expired XX/XX/XXXX and they would have to contact you to see if can be accepted. The settlement offer on that account was {$410.00}. Today is XX/XX/XXXX, only about a week later, and the number has changed to over {$800.00} -- even though I have been trying to reach your agency since XXXX to discuss this?
One of the other accounts listed on your website had a settlement balance of {$440.00} in XXXX. I wrote to you ( since the phone isn't going through ) and then the next day the amount had increased to {$560.00}. I wrote again, and sent a chat, that the amount is higher? To please contact me about it. ( I have saved all of the chat sessions if you would like to reference them. ) Below are the settlement amounts that are changing daily all while no one responds to me. On XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$560.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX, it was {$440.00} again. I just called again now and the phone still does not connect. I looked online and the amount is now {$620.00}. Why does it fluctuate day-to-day? Why do you not respond to someone that is actively trying to reach your agency to work on this?
I would like to pay the amounts originally offered on this since I have been trying to reach you regarding them the entire time.
Account # 1 - {$410.00} Account # 2 {$440.00} Account # 3 The amount listed is {$1400.00} - can this be any less? I do not have this much.
Would you please just correct the amounts on these accounts so I can pay them with what I have and please stop adding more and more to it every day since I am trying to reach you to talk about it on the days where the balance is the lowest.
Thank you, XXXX XXXX XXXX, here is the email that I sent along with the screenshots of the {$440.00} and the concerning chat conversation where the representative was dismissive and trying to take more money than was even showing on the screen.
EMAIL TO PRA XX/XX/2022 XXXX PM EST Hello, I am writing to you because I have been trying to reach your agency since XXXX to pay accounts and am not receiving any help from anyone. Today I spoke to a chat representative who offered me settlement amounts of far more than what is literally on the website screen before me. That representative abruptly left the chat when I mentioned that this was unethical collection practices, and I requested the name of the manager.
I rejoined a chat session and was connected with a new agent. I asked them if I could have a copy of my previous chat conversation with the other representative. That second representative also just abandoned the chat too and then the Live Chat feature could not be reopened while logged into my account. I logged out of my account to access the chat feature and connected to another. They too offered me higher settlement amounts than were only there yesterday.
He said that the records did not reflect the amount of {$440.00} I told him was there just yesterday and said that I didn't " accept the offer '' and a " dispute would be entered. '' Now, why would you enter a dispute instead of taking a payment from someone for the amount you originally offered? I've attached a screenshot of the amount that was originally presented to me. An amount that I called, emailed, and chatted about numerous times since XX/XX/XXXX.
Also attached is a screenshot of the representative today telling me the lowest settlement amount she could offer me was {$2200.00}, even though I was looking at an offer off {$1400.00} at that very moment.
I am not sure why it is so difficult to try to get someone to communicate with me in an honest, ethical, and professional manner. Below is a copy of the email I sent before my three chat conversations today. ( The first 2 representatives left the chat abruptly. ) I would appreciate some genuine help in getting this resolved.
Thank you.
Instead of addressing any of it, they removed the accounts from me being able to see them online anymore.
Here is their response : I have located your PRA account ending in XXXX, XXXX, XXXX and XXXX. With regards to your initial request, your accounts are currently not eligible to view or pay online and are currently being handled by PRA 's Disputes Department. For any further questions or assistance, please contact PRA 's Disputes department at : XXXX.
Thank you, XXXX ID : XXXX '' Following this reply, that did not answer my questions and removed my access to the accounts ( why? ) I called and asked to speak to a manager. This entire conversation was recorded. During this call, I paid the {$1400.00}. They tried to get me to just pay it without having anything in writing and I said I only wanted to pay it online so I would have a record of it. After a lot of push and pull, they agreed to send me the letter saying it would be considered as paid in full, so I made the payment over the phone. We also discussed the two other accounts, and I the amount of {$440.00}. They said they received the screenshot, would have to upload it to their system and then I would be able to pay ONLY {$440.00} and they would make the account accessible online to me again. THIS IS RECORDED.
After I got off the phone with the PRA representative, I responded to the email from XXXX ( above ) so that in addition to having the verbal recording, I would also have something in writing. Please see my email response below : EMAIL TO PRA Thu XX/XX/2022 XXXX PM Dear XXXX, I would like to reiterate that the responses I have been receiving from PRA are unethical and unprofessional, as again noted in your reply of brevity and dismissiveness. I clearly outlined my concerns in the letter below with the hopes that a representative would address them. Instead, my inquiry was not even acknowledged, and my accounts were removed from online access? Why would you remove the access of the account to someone that is trying to pay it? Why would you not address any of the clear concerns outlined?
Once again, I was just ignored instead of responded to. Your website states that " fair and respectful treatment of its customers '' but my experience thus far has proven otherwise. Trying to take double from an amount offered yesterday, and from another account just a week ago feels like bullying and taking advantage of those in a hardship situation. It's wrong on many levels.
I called the number you provided in your email below and made a payment over the phone in the amount of {$1400.00}, and per the representative, this account is now paid in full. ( This was done on a recorded phone call, on your end, and on mine. ) I was advised to call back tomorrow to pay the amount of {$440.00} on the other account, and that too will then be paid in full. This has been the absolute, most difficult, and stressful interaction I've ever had with ANY agency, EVER.
On XX/XX/XXXX, the account was still not available online, but I still want to pay it and have this nightmare over with. So I received a reply letting me know that even though the account is not online if they send me a letter ( as they did with the {$1400.00} account ) so I have something in writing that I would pay it. My email on this is below : -Original Message -- From : XXXX Date : XX/XX/2022 XXXX PM To : XXXX Subject : Re : TRYING TO SETTLE ACCOUNTS- PLEASE ASSIST -- -- - Sensitive Message! -- -- - Sensitive Message! [ # XXXX ] Good afternoon, As discussed in my phone conversation yesterday with your agency, since I access to my account online was removed ( unnecessary and only adding to the ongoing difficulty of simply trying to make payments ) I will only pay the other account once I receive a letter stating the amount will satisfy the account and it will be considered paid in full. As a reminder, the amount is to be in the amount of {$440.00}.
If the person reading this letter is not able to respond in an appropriate manner, please forward it to a manager or decision-maker that CAN respond and provide the letter promised. I was advised that I would be able to receive this in writing and do not want to be run around any longer. Thank you.
Regards, XXXX XXXX They wrote back, letting me know that XXXX was now considered paid in full, that XXXX is being handled by their disputes department [ more on this account will be below ] and that XXXX can now be accessed online.
FINALLY, right? No.
When I logged into the account, the amount was still not listed as {$440.00} ( as agreed upon in the recorded conversation with the manager and as show in the screenshot of what was due on my account ) but instead it was {$560.00}. I mean, at this point, the back and forth and the changing of the figuresits all so intentional and stressful. I sent another email about it, saying I just want to PAY it, just please fix the amount to the amount your agency agreed to and I will PAY IT. My email to them is below : -- Original Message -- From : XXXX Date : XX/XX/2022 XXXX PM To : XXXX Subject : Re : TRYING TO SETTLE ACCOUNTS- PLEASE ASSIST -- -- - Sensitive Message! -- -- - Sensitive Message! -- -- - Sensitive Message! [ # XXXX ] Dear PRA Customer Care, Initially when reading this PRA email response, I was pleased that things were finally coming along and my account could once again be accessed online so I could finally pay it and be done with it.
Instead, when I logged onto the account to pay the account ending in XXXX, the " savings '' amount is still incorrectly listed as {$560.00}. As mentioned in every email I've written, every chat I've engaged in and the phone call I had yesterday, this amount is to be no greater than {$440.00}, as originally presented to me.
I am not going chat with a representative again about " concerns. '' The chat representatives have already proven that they are unable to assist me in a professional manner and if they don't abandon the chat conversation we're having, they can only refer me to call your office anyway.
So, to simplify this each of us, please correct the amount for the account ending in XXXX as confirmed on my RECORDED PHONE CALL with the PRA representative, as well as the SCREEN SHOT FROM YOUR WEBSITE that I emailed to PRA, that shows the amount of {$440.00}. Once the amount is corrected, I will pay it.
With regards to the account ending in XXXX, please tell me WHY this account is removed from the website now, and WHY it is in the " disputes '' department. I am not going to call AGAIN. You should be able to tell me why this is happening and should be able to tell me the status of my account IN WRITING.
As mentioned on the five previous emails, I have been attempting to PAY these accounts since XX/XX/XXXX. It is bullying and unethical to continue to make someone jump through hoops like this to accomplish this. This all could have been resolved in XXXX.
Again, if you are the reader of the email and do not have the authority to rectify this situation based on the amounts already presented to me and the confirmations VERBALLY already provided by YOUR agency, then please forward it to a manager or executive than CAN fix it.
I will not call or chat again as my MULTIPLE attempts to do that already have been met with animosity and inflated figures. I will advise the Massachusetts Attorney General of this situation if this can not be handled properly and in a timely fashion.
As a reminder, I am attempting to PAY these remaining two accounts and do not wish for any more unnecessary obstacles.
Thank you, XXXX XXXX They wrote back to this email saying we are not permitted to assist you with your concerns and that I could MAIL my concerns. How are they not permitted to assist me? Why is the only next option for me having to send old-fashioned mail? They are intentionally making this as difficult as possibleand I cant even imagine why. This debt has been sitting dormant for YEARS. I am trying to PAY it. In additional to saying they arent permitted to assist me and I have to mail my concerns, they then inflated the amount due to {$990.00}. ( screenshot below ) T hus, I do not wish to communicate with them any longer. They are only playing games and being manipulative and intentionally misleading. I have it in writing. I have it verbally recorded. I have emailed and chatted and made multiple attempts to pay this account since XXXX. I was in tears when I saw the {$990.00} amount. They KNOW they offered me {$440.00} and said I could pay it the next day. THEY ARE MAKING IMPOSSIBLE. Its sadistic!
In addition to the trouble with this account, they are also refusing to assist me with an account ending in XXXX. There are to parties involved in the collection of this debt and neither will hold responsibility of it. I have a letter from XXXX XXXX offering a settlement amount of {$410.00}. When I called to pay it, they told me that had expired and it was now over {$850.00} that was due. ( I cant recall the exact amount, and this happened over the phone. ) I asked to pay the amount on the letter, and they said they could not authorize that because the account was still owned by Portfolio Recovery Associates. Yet, when I speak to Portfolio about it, they say they cant do anything about it because its with their legal department. So neither party can authorize the {$410.00} ( that is ALSO IN WRITING ) and nobody can talk to me about it. I want to pay this account too and again, they are making it impossible to do so.
Im not sure how I can send you all of this information as some of the file sizes are quite large but I could set up a link and try to upload it all. You can see the video of the chat, and I have the recorded phone call ( over 43 minutes, it says it is too large to attach ) as well as copy & pastes of live chat conversations, all emails sent and received and multiple screenshots from the PRA website.
Please let me know what other information I can send you. Im bewildered that they behave this way even when someone is trying to pay. I thought they were just notorious for unethical collection processesto think that they are unethical in receiving collection amounts too is beyond any logical understanding. I hope you can assist and its unfortunate they cause more work and stress instead of just handling things in a professional way.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This was sent months ago regarding the fact that this company was unable to properly verify the alleged debt. I have continued to dispute it, but it still shows up on my credit report.
XXXX XX/XX/2020 Portfolio Recovery Associates, LLC Office of Complaints & Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CC : XXXX XXXX State of California Department of Justice XXXX. XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX XXXX XXXX : XXXX To whom it may concern : I am writing in response to the XX/XX/XXXX letter written by XXXX XXXX, care of Portfolio Recovery Associates, LLC. ( referred to herewith as Portfolio Recovery Associates , Inc. or PRA, LLC ) PRA, LLC and sent to XXXX XXXX of the State of California Department of Justice regarding the complaint and dispute I sent to their department in XX/XX/2020.
The introduction letter, as well as the alleged proof of debt included all have incorrect mailing addresses. PRA, LLC. has thus failed to validate any alleged debts owned by their company. I continue to deny any knowledge or responsibility of these alleged debts, and I am writing to notify PRA, LLC of their inability to validate any alleged debts and to agree to my demands as outlined in this letter.
In the introduction letter, XXXX wrote three times that I live at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, CA ( please see attachments ). That address is incorrect.
The information sent regarding XXXX XXXX XXXX ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see attachments ). That address is also incorrect.
The information sent regarding XXXX XXXX XXXX ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see attachments ). That address is incorrect.
The information sent regarding XXXX XXXX XXXX ( account number XXXX ) shows the address XXXX XXXX XXXX, XXXX XXXX ( please see the Attachment 4, in which I circled each mention of that address ). That address is incorrect.
Please also refer to my attached utility bill as proof that PRA, LLC failed to validate the alleged debts.
By proving in their own correspondence that they have at least two incorrect contact addresses, Portfolio Recovery Associates has not shown adequate or accurate validation of the debt nor do their stated records show adequate or accurate proof of their attempts to contact me by mail.
This letter serves as my formal dispute of the inaccurate validation Portfolio Recovery Associates provided. Portfolio Recovery Associates is hereby notified that I expect them to take the following actions and provide written proof that they have both agreed to take these actions and have, in fact, taken those actions.
If PRA, LLC does not provide written agreement to take all of the following actions and/or if PRA, LLC does not take all of the following actions according to the demands listed below, I will have no choice but to obtain legal counsel to seek monetary reparations for the emotional, financial, and physical damages I have suffered as a result of PRA, LLCs inaccurate information, their subsequent illegal and harassing behavior, and their inability to validate the alleged debt.
Here are the actions I am demanding that PRA, LLC. take to avoid costly litigation as a result of PRA, LLCs inability to validate the alleged debts : PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX ), and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX XXXX account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to the terms above in order for legal action to be suspended pending adequate and accurate fulfillment of the terms above and below on the part of PRA, LLC.
I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX XXXX account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX XXXX, and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ).
PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt. This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to the terms above in order for legal action to be suspended pending adequate and accurate fulfillment of the terms above and below on the part of PRA, LLC.
I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will immediately void and cancel the full amount of the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will consider the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to be invalid and therefore fully void, meaning it is legally neither enforceable, collectible, nor reportable, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will immediately remove and delete any and all references to the below-and above-referenced account ( s ) regarding the alleged debt from my credit profile at the three credit reporting agencies ( XXXX, XXXX, and XXXX XXXX, and at any other debt reporting system used by PRA, LLC, due to PRA, LLC.s inability to validate the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX.
PRA, LLC will not list the alleged debt as settled or disputed or any other words or phrases that indicate my responsibility for the alleged debt with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will not attempt to sell or transfer the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ) to another creditor, due to PRA, LLC.s inability to validate the alleged debt.
PRA, LLC will make no mention of this voided account nor this written agreement to outside parties, including but not limited to any verbal, written, or electronic correspondence with outside parties regarding the alleged debt owned by PRA, LLC with XXXX XXXX XXXX ( account number XXXX.
PRA, LLC understands that this is not an admission of responsibility for the debt, nor is it an offer to make any payments regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( XXXX ). This is a restricted offer made in good faith in order for both parties to avoid litigation, and PRA, LLC must agree to all of the the terms above in writing in order to avoid further legal action.
I require PRA, LLCs written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will take all of the actions demanded in this letter within three ( 3 ) business days of receiving this correspondence, sent electronically on the XXXX of XXXX, 2020, and to be sent via certified mail by Wednesday, the XXXX of XXXX, 2020, regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC will make no further attempts to contact me, my friends, my family members, or my employer. The one and only exception to this no-contact rule is the above-referenced written agreement to these terms outlined in this letter regarding the alleged debt owned by PRA, LLC with the original owner XXXX XXXX XXXX ( account number XXXX ), due to PRA, LLCs inability to validate the alleged debt.
PRA, LLC understands that the above demands apply to any and all owned by PRA, LLC with the original owners XXXX XXXX XXXX, XXXX XXXX XXXX, or any other companies from whom they have purchased debts allegedly attributed to me, due to PRA, LLCs inability to validate the alleged debts.
PRA, LLC understands that the above agreement is binding, and precludes any further activity or communications regarding the alleged debts owned by PRA, LLC in my name due to PRA, LLCs inability to validate any of the alleged debts. The only exceptions are listed above. Further activity on these accounts after PRA, LLC has provided written agreement to the above terms and after they have successfully completed the demands as requested, is not acceptable and will result in litigation seeking damages for the suffering inflicted on me by PRA, LLC.
Once PRA, LLC provides written agreement to these terms, and once they have taken the actions above exactly as requested, I am willing to provide a written statement confirming that I will not pursue litigation against PRA, LLC regarding the alleged debts that PRA, LLC was unable to validate. If any part of the agreement is not performed strictly as described above, I will not provide any written statement, and I will pursue litigation against PRA, LLC in regards to the alleged debts that PRA, LLC was unable to validate.
The terms of this offer will expire on the XXXX of XXXX, 2020. I look forward to your prompt and positive response.
Sincerely,
|
| 11/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX ( XXXX XXXX XXXX | ( XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX : Report of Portfolio Recovery Associates, LLC Report Date : XX/XX/XXXX _________________________________________________________ Amended Fair Credit Reporting Act Complaint and Statement Disputing accuracy of Information Contained in Consumer Files Furnished by Portfolio Recovery Associates, LLC Pursuant to Title 15 of the United States Code, Section 1611i ( B ) ___________________________________________________________ To The Consumer Financial Protection Bureau : Pursuant to Title XXXX of the Texas XXXX XXXX and Remedies Code ( TCPRC ), section 32.001 ( d ), I, XXXX XXXX XXXX, a resident of the State of Texas of qualified age of majority, hereby declare as follows.
I.
Declarant Details 1. That my given and legal name is XXXX XXXX XXXX.
2. That I was born on XX/XX/XXXX, and thus am qualified age of majority under the laws of and for the State of Texas.
3. That my Social Security Number, as assigned by the U.S. Social Security Administration, is XXXX.
4. That I currently reside at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas.
XXXX.
Subjects of Disputation 5. The subjects of this dispute are as follows : a. Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX c. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX.
Subject Matter of Dispute 6. This statement is submitted pursuant to the terms of 15 U.S.C. 1681i ( b ), which provides in relevant part : If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute.
7. This is an unresolved dispute the nature of which is information contained in my consumer files with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX reporting agencies ( CRAs ) that I am in default upon a debt owing to Portfolio Recovery Associates, LLC ( PRA XXXX to the sum of {$2300.00}, as reported to said CRAs by PRA on XX/XX/XXXX.
8. The pretense of PRAs debt allegation is that, in early XXXX, I defaulted upon a XXXX Credit Card Account issued by XXXX, XXXX, as purchased by PRA.
XXXX Portfolio Recovery Associates, LLC 9. PRA is a buyer of charged off debt XXXX junk debt buyer ). PRA files thousands of collection lawsuits each year against consumers, hiring local collection attorneys to file the lawsuit. PRA relies on witness testimony in a business record affidavit when trying to prove their case.
10. PRA buys delinquent accounts from other companies and entities. It then uses various tactics to collect the debt from individuals including, but not limited to, harassing individuals with telephone calls and letters before filing lawsuits. PRA pays the creditor a percentage on the dollar for the delinquent account. The creditor benefits by receiving some of the debt that it has charged off as bad debt and believes that it will never collect from the individual. PRA benefits by receiving the account for less than is owed on the account with the intention of collecting the full amount owed from the individual thereby making a profit on the purchase. For this to be profitable PRA, must aggressively pursue collections efforts against each account.
11. As per the XXXX XXXX XXXX XXXX XXXX XXXX, during the past three years, 1,311 complaints implicating PRA were closed through the XXXX. Of those complaints, 1,169 complaints were due to billing and/or collection issues. An alert on the XXXX website refers to a settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices. N.Y. Attorney General XXXX XXXX said, Debt collectors must follow the same rules the rest of us do when bringing lawsuits in this case, suing for debts that were not enforceable in the first place.
12. PRA often files lawsuits on debts that are too old to collect to scare individuals into paying these debts even though there is no legal obligation on the part of the consumer to repay the debt due to its age. The company has agreed to pay {$470000.00} in penalties.
13. PRA is also facing more problems as the Consumer Financial Protection Bureau ( CFPB ) investigates the company to determine if it has violated provisions of the Fair Debt Collection Practice Act. According to the CFPB, more than 11,000 complaints were filed between XX/XX/XXXX and XX/XX/XXXX against various debt collection companies, including PRA. PRA ranked third for having the most complaints.
14. There is also a class action lawsuit is pending in the U.S. District Court in California from XXXX. Plaintiffs claim that PRA violated fair debt collection laws by using an autodialed to contact consumers on their cellphones. The Fair Debt Collections Practices Act sets forth the actions that a debt collector may not use to collect a debt.
V.
Bases for Statement 15. The bases for this Statement are as follows : a. That I am not indebted to PRA to the sum of {$2300.00} or any other sum.
b. That I do not hold and have never held a XXXX Credit Card.
c. That despite repeated request to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I hold or have ever held a XXXX credit card.
d. That I have never made, or authorized anyone to make on my behalf, an application for credit offered by or through XXXX.
e. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I made or authorized anyone to make on my behalf an application for credit offered by or through XXXX. I have not even merited the honor of a receipt of its famous business record affidavit.
f. The foregoing considered that I never received any benefits from a XXXX credit card.
g. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I ever received any benefits from a XXXX credit card held by me or the circumstances pursuant to which the benefits were received.
h. I have not even merited the honor of a receipt of its famous business record affidavit. All that the junkie, PRA, has offered by way of proof is it is unsubstantiated and unprovable allegation that I owe the debt.
i. In XX/XX/XXXX and XX/XX/XXXX, PRA reported the same debt allegation to XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX.
j. By letter dated XX/XX/XXXX, I filed with PRA and the Consumer Financial Protection Bureau ( CFPB ) a validity challenge to the debt allegations pursuant to pursuant to 15 U.S.C. 1692g, Upon review, as further review will reveal, the PRA debt allegation was removed from my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX.
k. That the removal of the PRA debt allegations XXXX XXXX ) from my XXXX XXXX, and XXXX reports has Res Judicata effect.
XXXX Although a resident of Texas always relevant, on XX/XX/XXXX, PRA, for some inexplicable reason, filed suit against me to recover upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana XXXX Docket No. XXXX ).
m. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sued me to recover upon the alleged debt was not included in its XX/XX/XXXX report tXXXX XXXX XXXX, and XXXX XXXX XXXX.
XXXX On XX/XX/XXXX, for reasons unexplained, PRA sought and obtained a dismissal of its lawsuit against me to recover upon the alleged debt dismissed its suit against me upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX XXXX o. The dismissal sought and obtained by PRA was without prejudice, meaning that it could refile within the statute limitations.
p. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sought and obtained a dismissal of its lawsuit against me in Louisiana to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX, XXXX, and XXXX.
q. Upon its own motion, PRA allowed the applicable statute of limitations period in the State of Texas to expire without refiling suit to recover upon the alleged debt., and hence the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).
r. By allowing the statute of limitations in Texas to expire without refiling suit to recover upon the alleged debt PRA, under the law of lawsuit abandonment, relinquished and renounced all claims pertaining to the recovery upon the alleged debt, forever barred from resuming or reasserting such claims.
s. Undoubtedly, the Texas Attorney General, and the courts are going to love PRAs explanation as to its legal basis for pursing debt collection enforcement having abandoned its legal claims with respect to enforcement by operation of law. PRA can not sue for enforcement, drop its suit without prejudice, and purposefully allow the statute of limitations to expire with respect to continuing the suit, and then use the credit reporting process to extort me into paying a debt neither proven nor owed.
t. I can not wait to see the business record affidavit with respect to those presents.
u. What PRA is attempting to do by contrivance is to offer the fact of its lawsuit as proof of the validity of the alleged debt.
v. XXXX! And the XXXX knows it. Just another payment extortion scam by the XXXX that is PRA.
XXXX By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX XXXX and XXXX are in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) for the reinsertion of previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by PRA.
x. By continuing to include the information of my alleged indebtedness to PRA, XXXX, XXXX, and XXXX are in violation of 15 U.S.C. 1681i ( a ) for the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRA 's own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score which it did, resulting in a {$12000.00} credit line decrease by XXXX XXXX XXXX.
y. By continuing to include the information of my alleged indebtedness to PRA, XXXX XXXX and XXXX are liable for any damages sustained by me as a result of their negligence in the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRAs own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score.
VI Suggestions for XXXX XXXX and XXXX 16. The foregoing considered, and further considering their liability issues, XXXX XXXX and XXXX, may want to consider reinvestigation of this matter, as the reporting of the alleged Junk debt by the XXXX PRA on XX/XX/XXXX, has become an ANNUAL event. A perusal of their files will reveal previous instances of the same report levied by PRA as in the instant case.
17. It is a habit that the XXXX needs to break and now.
18. The foregoing considered, and further considering their liability exposure in the instant scenario ( yes, by their reporting of the bogus information provided by PRA, I have experienced credit line decrease to the sum of {$12000.00} by XXXX XXXX XXXX ), XXXX XXXX and XXXX, may want to consider a posting on their website and making available to users of consumer information the settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices in that State.
19. If they choose to reinvestigate, XXXX, XXXX, and XXXX, may want to require PRA to establish that at the time the application for credit with XXXX was allegedly made by me, and moreover, the times I allegedly received benefits from said credit card, that : a. I was not a resident of XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX b. I was not a patient at XXXX XXXX Hospital, XXXX XXXX XXXX, XXXX, Texas ( XXXX ) 20. If they choose to reinvestigate this matter, XXXX XXXX and XXXX, may want to suggest to PRA that it refrain from the utilization of autodial robocalls to contact me for the purposes of harassing me into paying a debt neither proven nor due.
21. If they choose to reinvestigate this matter, that XXXX XXXX and XXXX may want to consider an explanation from PRA as to why it abandoned its lawsuit against me to recover upon the alleged debt, renouncing all claims thereto as a matter of law, and the legal justification for utilizing the credit reporting mechanisms of the FCRA to enforce collection compliance of a debt renounced.
22. If they so choose to reinvestigate this matter, XXXX XXXX, and XXXX XXXX XXXX may want to : a. Initiate a SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ) b. Deleting from my consumer files the bogus information of my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
XXXX Cease and desist from reinserting into my consumer files the previously deleted items of information regarding my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
23. Of course, these are merely suggestions.
XXXX Notice to Evaluators of Creditworthiness based on Information furnished by PRA.
24. There are no secrets as to PRA about what it is, about what it does, about how it operates, or the abhorrent tactics it employs to extort consumers to pay debts not due and that, as in the instant scenario, it has no intention of proving owed. Thus, whosoever evaluates my creditworthiness based on information in my consumer files furnished by PRA does so at their own legal peril.
XXXX.
DECLARATION DECLARATION MADE, EXECUTED AND SIGNED under penalty of perjury on this the XXXX day of XX/XX/XXXX, at XXXX XXXX, XXXX XXXX, Texas.
XXXX XXXX XXXX XXXX
|
| 11/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX |XXXX XXXX, Texas XXXX XXXX ( XXXX XXXX XXXX | ( XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX : Report of Portfolio Recovery Associates, LLC Report Date : XX/XX/XXXX _________________________________________________________ Amended Fair Credit Reporting Act Complaint and Statement Disputing accuracy of Information Contained in Consumer Files Furnished by Portfolio Recovery Associates, LLC Pursuant to Title 15 of the United States Code, Section 1611i ( B ) ___________________________________________________________ To The Consumer Financial Protection Bureau : Pursuant to Title 6 of the Texas Civil Practice and Remedies Code ( TCPRC ), section 32.001 ( d ), I, XXXX XXXX XXXX, a resident of the State of Texas of qualified age of majority, hereby declare as follows.
I.
Declarant Details 1. That my given and legal name is XXXX XXXX XXXX.
2. That I was born on XX/XX/XXXX, and thus am qualified age of majority under the laws of and for the State of Texas.
3. That my Social Security Number, as assigned by the U.S. Social Security Administration, is XXXX.
4. That I currently reside at XXXX XXXX XXXX, XXXX XXXX, XXXX County, Texas.
II.
Subjects of Disputation 5. The subjects of this dispute are as follows : a. Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX c. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX III.
Subject Matter of Dispute 6. This statement is submitted pursuant to the terms of 15 U.S.C. 1681i ( b ), which provides in relevant part : If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute.
7. This is an unresolved dispute the nature of which is information contained in my consumer files with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX reporting agencies ( CRAs ) that I am in default upon a debt owing to Portfolio Recovery Associates, LLC ( PRA ) to the sum of {$2300.00}, as reported to said CRAs by PRA on XX/XX/XXXX.
8. The pretense of PRAs debt allegation is that, in early XXXX, I defaulted upon a XXXX Credit Card Account issued by XXXX, XXXX, as purchased by PRA.
IV Portfolio Recovery Associates, LLC 9. PRA is a buyer of charged off debt XXXX junk debt buyer ). PRA files thousands of collection lawsuits each year against consumers, hiring local collection attorneys to file the lawsuit. PRA relies on witness testimony in a business record affidavit when trying to prove their case.
10. PRA buys delinquent accounts from other companies and entities. It then uses various tactics to collect the debt from individuals including, but not limited to, harassing individuals with telephone calls and letters before filing lawsuits. PRA pays the creditor a percentage on the dollar for the delinquent account. The creditor benefits by receiving some of the debt that it has charged off as bad debt and believes that it will never collect from the individual. PRA benefits by receiving the account for less than is owed on the account with the intention of collecting the full amount owed from the individual thereby making a profit on the purchase. For this to be profitable PRA, must aggressively pursue collections efforts against each account.
11. As per the XXXX XXXX XXXX XXXX XXXX XXXX, during the past three years, 1,311 complaints implicating PRA were closed through the XXXX. Of those complaints, 1,169 complaints were due to billing and/or collection issues. An alert on the XXXX website refers to a settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices. N.Y. Attorney General XXXX XXXX said, Debt collectors must follow the same rules the rest of us do when bringing lawsuits in this case, suing for debts that were not enforceable in the first place.
12. PRA often files lawsuits on debts that are too old to collect to scare individuals into paying these debts even though there is no legal obligation on the part of the consumer to repay the debt due to its age. The company has agreed to pay {$470000.00} in penalties.
13. PRA is also facing more problems as the Consumer Financial Protection Bureau ( CFPB ) investigates the company to determine if it has violated provisions of the Fair Debt Collection Practice Act. According to the CFPB, more than 11,000 complaints were filed between XX/XX/XXXX and XX/XX/XXXX against various debt collection companies, including PRA. PRA ranked third for having the most complaints.
14. There is also a class action lawsuit is pending in the U.S. District Court in California from XXXX. Plaintiffs claim that PRA violated fair debt collection laws by using an autodialed to contact consumers on their cellphones. The Fair Debt Collections Practices Act sets forth the actions that a debt collector may not use to collect a debt.
V.
Bases for Statement 15. The bases for this Statement are as follows : a. That I am not indebted to PRA to the sum of {$2300.00} or any other sum.
b. That I do not hold and have never held a XXXX Credit Card.
c. That despite repeated request to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I hold or have ever held a XXXX credit card.
d. That I have never made, or authorized anyone to make on my behalf, an application for credit offered by or through XXXX.
e. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I made or authorized anyone to make on my behalf an application for credit offered by or through XXXX. I have not even merited the honor of a receipt of its famous business record affidavit.
f. The foregoing considered that I never received any benefits from a XXXX credit card.
g. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I ever received any benefits from a XXXX credit card held by me or the circumstances pursuant to which the benefits were received.
h. I have not even merited the honor of a receipt of its famous business record affidavit. All that the XXXX, PRA, has offered by way of proof is it is unsubstantiated and unprovable allegation that I owe the debt.
i. In XX/XX/XXXX and XX/XX/XXXX, PRA reported the same debt allegation to XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX.
j. By letter dated XX/XX/XXXX, I filed with PRA and the Consumer Financial Protection Bureau ( CFPB ) a validity challenge to the debt allegations pursuant to pursuant to 15 U.S.C. 1692g, Upon review, as further review will reveal, the PRA debt allegation was removed from my XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
k. That the removal of the PRA debt allegations ( s ) from my XXXX XXXX, and XXXX reports has Res Judicata effect.
l. Although a resident of Texas always relevant, on XX/XX/XXXX, PRA, for some inexplicable reason, filed suit against me to recover upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX ).
m. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sued me to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX XXXX and XXXX Information Services.
XXXX On XX/XX/XXXX, for reasons unexplained, PRA sought and obtained a dismissal of its lawsuit against me to recover upon the alleged debt dismissed its suit against me upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX XXXX o. The dismissal sought and obtained by PRA was without prejudice, meaning that it could refile within the statute limitations.
p. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sought and obtained a dismissal of its lawsuit against me in Louisiana to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX XXXX and XXXX.
q. Upon its own motion, PRA allowed the applicable statute of limitations period in the State of Texas to expire without refiling suit to recover upon the alleged debt., and hence the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).
r. By allowing the statute of limitations in Texas to expire without refiling suit to recover upon the alleged debt PRA, under the law of lawsuit abandonment, relinquished and renounced all claims pertaining to the recovery upon the alleged debt, forever barred from resuming or reasserting such claims.
s. Undoubtedly, the Texas Attorney General, and the courts are going to love PRAs explanation as to its legal basis for pursing debt collection enforcement having abandoned its legal claims with respect to enforcement by operation of law. PRA can not sue for enforcement, drop its suit without prejudice, and purposefully allow the statute of limitations to expire with respect to continuing the suit, and then use the credit reporting process to extort me into paying a debt neither proven nor owed.
t. I can not wait to see the business record affidavit with respect to those presents.
u. What PRA is attempting to do by contrivance is to offer the fact of its lawsuit as proof of the validity of the alleged debt.
v. XXXX! And the XXXX knows it. Just another payment extortion scam by the XXXX that is PRA.
XXXX By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX XXXX and XXXX are in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) for the reinsertion of previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by PRA.
x. By continuing to include the information of my alleged indebtedness to PRA, XXXX, XXXX, and XXXX are in violation of 15 U.S.C. 1681i ( a ) for the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRA 's own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score which it did, resulting in a {$12000.00} credit line decrease by XXXX XXXX XXXX.
y. By continuing to include the information of my alleged indebtedness to PRA, XXXX, XXXX, and XXXX are liable for any damages sustained by me as a result of their negligence in the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRAs own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score.
VI Suggestions for XXXX XXXX, and XXXX 16. The foregoing considered, and further considering their liability issues, XXXXXXXX XXXX and XXXX, may want to consider reinvestigation of this matter, as the reporting of the alleged Junk debt by the XXXX PRA on XX/XX/XXXX, has become an ANNUAL event. A perusal of their files will reveal previous instances of the same report levied by PRA as in the instant case.
17. It is a habit that the XXXX needs to break and now.
18. The foregoing considered, and further considering their liability exposure in the instant scenario ( yes, by their reporting of the bogus information provided by PRA, I have experienced credit line decrease to the sum of {$12000.00} by XXXX XXXX XXXX ), XXXX XXXX, and XXXX, may want to consider a posting on their website and making available to users of consumer information the settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices in that State.
19. If they choose to reinvestigate, XXXX XXXX and XXXX, may want to require PRA to establish that at the time the application for credit with XXXX was allegedly made by me, and moreover, the times I allegedly received benefits from said credit card, that : a. I was not a resident of XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX ) b. I was not a patient at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas ( XXXX ) 20. If they choose to reinvestigate this matter, XXXX XXXX, and XXXX, may want to suggest to PRA that it refrain from the utilization of autodial robocalls to contact me for the purposes of harassing me into paying a debt neither proven nor due.
21. If they choose to reinvestigate this matter, that XXXX XXXX, and XXXX may want to consider an explanation from PRA as to why it abandoned its lawsuit against me to recover upon the alleged debt, renouncing all claims thereto as a matter of law, and the legal justification for utilizing the credit reporting mechanisms of the FCRA to enforce collection compliance of a debt renounced.
22. If they so choose to reinvestigate this matter, XXXX XXXX, and XXXX XXXX XXXX may want to : a. Initiate a SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ) b. Deleting from my consumer files the bogus information of my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
c. Cease and desist from reinserting into my consumer files the previously deleted items of information regarding my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
23. Of course, these are merely suggestions.
XXXX Notice to Evaluators of Creditworthiness based on Information furnished by PRA.
24. There are no secrets as to PRA about what it is, about what it does, about how it operates, or the abhorrent tactics it employs to extort consumers to pay debts not due and that, as in the instant scenario, it has no intention of proving owed. Thus, whosoever evaluates my creditworthiness based on information in my consumer files furnished by PRA does so at their own legal peril.
VIII.
DECLARATION DECLARATION MADE, EXECUTED AND SIGNED under penalty of perjury on this the XXXX day of XX/XX/XXXX, at XXXX XXXX, XXXX County, Texas.
XXXX XXXX XXXX XXXX
|
| 11/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX |XXXX XXXX, Texas . XXXX ( XXXX XXXX XXXX | ( XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX : Report of Portfolio Recovery Associates, LLC Report Date : XX/XX/XXXX _________________________________________________________ Amended Fair Credit Reporting Act Complaint and Statement Disputing accuracy of Information Contained in Consumer Files Furnished by Portfolio Recovery Associates, LLC Pursuant to Title 15 of the United States Code, Section 1611i ( B ) ___________________________________________________________ To The Consumer Financial Protection Bureau : Pursuant to Title 6 of the Texas Civil Practice and Remedies Code ( TCPRC ), section 32.001 ( d ), I, XXXX XXXX XXXX, a resident of the State of Texas of qualified age of majority, hereby declare as follows.
I.
Declarant Details 1. That my given and legal name is XXXX XXXX XXXX.
2. That I was born on XX/XX/XXXX, and thus am qualified age of majority under the laws of and for the State of Texas.
3. That my Social Security Number, as assigned by the U.S. Social Security Administration, is XXXX.
4. That I currently reside at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas.
XXXX.
Subjects of Disputation 5. The subjects of this dispute are as follows : a. Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX c. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX.
Subject Matter of Dispute 6. This statement is submitted pursuant to the terms of 15 U.S.C. 1681i ( b ), which provides in relevant part : If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute.
7. This is an unresolved dispute the nature of which is information contained in my consumer files with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX XXXX consumer reporting agencies ( CRAs ) that I am in default upon a debt owing to Portfolio Recovery Associates, LLC ( PRA ) to the sum of {$2300.00}, as reported to said CRAs by PRA on XX/XX/XXXX.
8. The pretense of PRAs debt allegation is that, in early XXXX, I defaulted upon a XXXX Credit Card Account issued by XXXX, XXXX, as purchased by PRA.
XXXX Portfolio Recovery Associates, LLC 9. PRA is a buyer of charged off debt ( junk debt buyer ). PRA files thousands of collection lawsuits each year against consumers, hiring local collection attorneys to file the lawsuit. PRA relies on witness testimony in a business record affidavit when trying to prove their case.
10. PRA buys delinquent accounts from other companies and entities. It then uses various tactics to collect the debt from individuals including, but not limited to, harassing individuals with telephone calls and letters before filing lawsuits. PRA pays the creditor a percentage on the dollar for the delinquent account. The creditor benefits by receiving some of the debt that it has charged off as bad debt and believes that it will never collect from the individual. PRA benefits by receiving the account for less than is owed on the account with the intention of collecting the full amount owed from the individual thereby making a profit on the purchase. For this to be profitable PRA, must aggressively pursue collections efforts against each account.
11. As per the XXXX XXXX XXXX XXXX XXXX XXXX, during the past three years, 1,311 complaints implicating PRA were closed through the XXXX. Of those complaints, 1,169 complaints were due to billing and/or collection issues. An alert on the XXXX website refers to a settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices. N.Y. Attorney General XXXX XXXX said, Debt collectors must follow the same rules the rest of us do when bringing lawsuits in this case, suing for debts that were not enforceable in the first place.
12. PRA often files lawsuits on debts that are too old to collect to scare individuals into paying these debts even though there is no legal obligation on the part of the consumer to repay the debt due to its age. The company has agreed to pay {$470000.00} in penalties.
13. PRA is also facing more problems as the Consumer Financial Protection Bureau ( CFPB ) investigates the company to determine if it has violated provisions of the Fair Debt Collection Practice Act. According to the CFPB, more than 11,000 complaints were filed between XX/XX/XXXX and XX/XX/XXXX against various debt collection companies, including PRA. PRA ranked third for having the most complaints.
14. There is also a class action lawsuit is pending in the U.S. District Court in California from XXXX. Plaintiffs claim that PRA violated fair debt collection laws by using an autodialed to contact consumers on their cellphones. The Fair Debt Collections Practices Act sets forth the actions that a debt collector may not use to collect a debt.
V.
Bases for Statement 15. The bases for this Statement are as follows : a. That I am not indebted to PRA to the sum of {$2300.00} or any other sum.
b. That I do not hold and have never held a XXXX Credit Card.
c. That despite repeated request to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I hold or have ever held a XXXX credit card.
d. That I have never made, or authorized anyone to make on my behalf, an application for credit offered by or through XXXX.
e. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I made or authorized anyone to make on my behalf an application for credit offered by or through XXXX. I have not even merited the honor of a receipt of its famous business record affidavit.
f. The foregoing considered that I never received any benefits from a XXXX credit card.
g. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I ever received any benefits from a XXXX credit card held by me or the circumstances pursuant to which the benefits were received.
h. I have not even merited the honor of a receipt of its famous business record affidavit. All that the XXXXXXXX, PRA, has offered by way of proof is it is unsubstantiated and unprovable allegation that I owe the debt.
i. In XX/XX/XXXX and XX/XX/XXXX, PRA reported the same debt allegation to XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX.
j. By letter dated XX/XX/XXXX, I filed with PRA and the Consumer Financial Protection Bureau ( CFPB ) a validity challenge to the debt allegations pursuant to pursuant to 15 U.S.C. 1692g, Upon review, as further review will reveal, the PRA debt allegation was removed from my XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX
k. That the removal of the PRA debt allegations ( s ) from my XXXX XXXX, and XXXX reports has Res Judicata effect.
XXXX Although a resident of Texas always relevant, on XX/XX/XXXX, PRA, for some inexplicable reason, filed suit against me to recover upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX ).
m. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sued me to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX XXXX and XXXX XXXX XXXX
XXXX On XX/XX/XXXX, for reasons unexplained, PRA sought and obtained a dismissal of its lawsuit against me to recover upon the alleged debt dismissed its suit against me upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX XXXX o. The dismissal sought and obtained by PRA was without prejudice, meaning that it could refile within the statute limitations.
p. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sought and obtained a dismissal of its lawsuit against me in Louisiana to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX, XXXX, and XXXX.
q. Upon its own motion, PRA allowed the applicable statute of limitations period in the State of Texas to expire without refiling suit to recover upon the alleged debt., and hence the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).
r. By allowing the statute of limitations in Texas to expire without refiling suit to recover upon the alleged debt PRA, under the law of lawsuit abandonment, relinquished and renounced all claims pertaining to the recovery upon the alleged debt, forever barred from resuming or reasserting such claims.
XXXX Undoubtedly, the Texas Attorney General, and the courts are going to love PRAs explanation as to its legal basis for pursing debt collection enforcement having abandoned its legal claims with respect to enforcement by operation of law. PRA can not sue for enforcement, drop its suit without prejudice, and purposefully allow the statute of limitations to expire with respect to continuing the suit, and then use the credit reporting process to extort me into paying a debt neither proven nor owed.
t. I can not wait to see the business record affidavit with respect to those presents.
u. What PRA is attempting to do by contrivance is to offer the fact of its lawsuit as proof of the validity of the alleged debt.
v. XXXX! And the XXXX knows it. Just another payment extortion scam by the XXXX that is PRA.
XXXX By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX XXXX and XXXX are in violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( i ) ( ii ) for the reinsertion of previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by PRA.
x. By continuing to include the information of my alleged indebtedness to PRA, XXXX, XXXX and XXXX are in violation of 15 U.S.C. 1681i ( a ) for the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRA 's own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score which it did, resulting in a {$12000.00} credit line decrease by XXXX XXXX XXXX.
y. By continuing to include the information of my alleged indebtedness to PRA, XXXX, XXXX, and XXXX are liable for any damages sustained by me as a result of their negligence in the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRAs own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my FICO score.
VI Suggestions for XXXX, XXXX, and XXXX 16. The foregoing considered, and further considering their liability issues, XXXX XXXX, and XXXX, may want to consider reinvestigation of this matter, as the reporting of the alleged Junk debt by the junkie PRA on XX/XX/XXXX, has become an ANNUAL event. A perusal of their files will reveal previous instances of the same report levied by PRA as in the instant case.
17. It is a habit that the junkie needs to break and now.
18. The foregoing considered, and further considering their liability exposure in the instant scenario ( yes, by their reporting of the bogus information provided by PRA, I have experienced credit line decrease to the sum of {$12000.00} by XXXX XXXX XXXX ), XXXX XXXX and XXXX may want to consider a posting on their website and making available to users of consumer information the settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices in that State.
19. If they choose to reinvestigate, XXXX XXXX, and XXXX, may want to require PRA to establish that at the time the application for credit with XXXX was allegedly made by me, and moreover, the times I allegedly received benefits from said credit card, that : a. I was not a resident of XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX b. I was not a patient at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas ( XXXX ) 20. If they choose to reinvestigate this matter, XXXX XXXX and XXXX, may want to suggest to PRA that it refrain from the utilization of autodial robocalls to contact me for the purposes of harassing me into paying a debt neither proven nor due.
21. If they choose to reinvestigate this matter, that XXXX XXXX and XXXX may want to consider an explanation from PRA as to why it abandoned its lawsuit against me to recover upon the alleged debt, renouncing all claims thereto as a matter of law, and the legal justification for utilizing the credit reporting mechanisms of the FCRA to enforce collection compliance of a debt renounced.
XXXX. If they so choose to reinvestigate this matterXXXX XXXX XXXX, and XXXX XXXX XXXX may want to : a. Initiate a SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ) b. Deleting from my consumer files the bogus information of my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
c. Cease and desist from reinserting into my consumer files the previously deleted items of information regarding my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
23. Of course, these are merely suggestions.
VII Notice to Evaluators of Creditworthiness based on Information furnished by PRA.
24. There are no secrets as to PRA about what it is, about what it does, about how it operates, or the abhorrent tactics it employs to extort consumers to pay debts not due and that, as in the instant scenario, it has no intention of proving owed. Thus, whosoever evaluates my creditworthiness based on information in my consumer files furnished by PRA does so at their own legal peril.
VIII.
DECLARATION DECLARATION MADE, EXECUTED AND SIGNED under penalty of perjury on this the XXXX day of XX/XX/XXXX, at XXXX XXXX, XXXX XXXX, Texas.
XXXX XXXX XXXX XXXX
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Portfolio Recovery XXXX, LLC XXXX XXXX XXXX XXXX, Virginia. XXXX Transunion, XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX XXXX : Report of Portfolio Recovery XXXX, XXXX Report Date : XX/XX/XXXX XXXX Fair Credit Reporting Act Complaint and Statement Disputing accuracy of Information Contained in Consumer Files Furnished by Portfolio Recovery Associates, LLC Pursuant to Title 15 of the United States Code, Section 1611i ( B ) ___________________________________________________________ To The Consumer Financial Protection Bureau : Pursuant to Title 6 of the Texas Civil Practice and Remedies Code ( TCPRC ), section 32.001 ( d ), I, XXXX XXXX XXXX, a resident of the State of Texas of qualified age of majority, hereby declare as follows.
I.
Details 1. That my given and legal name is XXXX XXXX XXXX.
2. That I was born on XX/XX/XXXX, and thus am qualified age of majority under the laws of and for the State of Texas.
3. That my Social Security Number, as assigned by the U.S. Social Security Administration, is XXXX.
4. That I currently reside at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas.
II.
Disputed Debt 5. That on XX/XX/XXXX. Portfolio Recovery Associates, LLC ( PRA ), furnished to Experian LLC, ( XXXX ) for inclusion in my XXXX LLC consumer file, a report that I am indebted to PRC to the sum of {$2300.00}.
6. The pretense of the PRA debt allegation is that I am in default upon a XXXX Credit Card Account issued by XXXX, XXXX, as purchased by PRA.
III.
Title 15 of the United States Code, section 1611i ( b ), 7. Pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), more specifically, Title 15 of the United States Code, section 1611i ( b ), I submit this Statement of Dispute disputing the accuracy and validity of the information furnished XXXX XXXX by PRA for inclusion in my XXXX XXXX consumer file on XX/XX/XXXX.
IV Portfolio Recovery Associates, LLC 8. PRA is a buyer of charged off debt ( junk debt buyer ). PRA files thousands of collection lawsuits each year against consumers, hiring local collection attorneys to file the lawsuit. PRA relies on witness testimony in a business record affidavit when trying to prove their case.
9. PRA buys delinquent accounts from other companies and entities. It then uses various tactics to collect the debt from individuals including, but not limited to, harassing individuals with telephone calls and letters before filing lawsuits. PRA pays the creditor a percentage on the dollar for the delinquent account. The creditor benefits by receiving some of the debt that it has charged off as bad debt and believes that it will never collect from the individual. PRA benefits by receiving the account for less than is owed on the account with the intention of collecting the full amount owed from the individual thereby making a profit on the purchase. For this to be profitable PRA, must aggressively pursue collections efforts against each account.
10. As per the Better Business Bureau ( BBB ), during the past three years, 1,311 PRA complaints were closed through the BBB. Of those complaints, 1,169 complaints were due to billing and/or collection issues. An alert on the BBBs website refers to a settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices. XXXX Attorney General XXXX XXXX said, Debt collectors must follow the same rules the rest of us do when bringing lawsuits in this case, suing for debts that were not enforceable in the first place.
11. PRA often files lawsuits on debts that are too old to collect to scare individuals into paying these debts even though there is no legal obligation on the part of the consumer to repay the debt due to its age. The company has agreed to pay {$470000.00} in penalties.
12. PRA is also facing more problems as the Consumer Financial Protection Bureau ( CFPB ) investigates the company to determine if it has violated provisions of the Fair Debt Collection Practice Act. According to the CFPB, more than XXXX complaints were filed between XX/XX/XXXX and XX/XX/XXXX against various debt collection companies, including PRA. PRA ranked third for having the most complaints.
13. There is also a class action lawsuit is pending in the U.S. District Court in California from XXXX. Plaintiffs claim that PRA violated fair debt collection laws by using an autodialed to contact consumers on their cellphones. The Fair Debt Collections Practices Act sets forth the actions that a debt collector may not use to collect a debt.
V.
Bases for Statement 14. The bases for this Statement are as follows : a. That I am not indebted to PRA to the sum of {$2300.00} or any other sum.
b. That I do not hold and have never held a XXXX Credit Card.
c. That despite repeated request to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I hold or have ever held a XXXX credit card.
d. That I have never made, or authorized anyone to make on my behalf, an application for credit offered by or through XXXX.
e. That despite repeated requests to do so pursuant to XXXX U.S.C. 1692g, as of this date, PRA has refused to substantiate that I made or authorized anyone to make on my behalf an application for credit offered by or through XXXX. I havent even merited the honor of a receipt of its famous business record affidavit.
f. The foregoing considered that I never received any benefits from a XXXX credit card.
g. That despite repeated requests to do so pursuant to 15 U.S.C. 1692g, as of this date, PRA has refused to substantiate that I ever received any benefits from a XXXX credit card held by me or the circumstances pursuant to which the benefits were received.
h. I havent even merited the honor of a receipt of its famous business record affidavit. All that the junkie, PRA, has offered by way of proof is its unsubstantiated and unprovable allegation that I owe the debt.
i. In XX/XX/XXXX and XX/XX/XXXX, PRA reported the same debt allegation to XXXX, XXXX XXXX, and XXXX XXXX XXXX ( XXXX ).
j. By letter dated XX/XX/XXXX, I filed with PRA and the Consumer Financial Protection Bureau ( CFPB ) a validity challenge to the debt allegations pursuant to pursuant to 15 U.S.C. 1692g, Upon review, as further review will reveal, the PRA debt allegation was removed from my XXXX, XXXX XXXX ( XXXX ), and XXXX.
k. That the removal of the PRA debt allegations ( s ) from my Experian, Equifax, and Transunion reports has XXXX XXXX effect.
l. Although a resident of Texas always relevant, on XX/XX/XXXX, PRA, for some inexplicable reason, filed suit against me to recover upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. 257,241 ).
m. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sued me to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX, XXXX, and XXXX XXXX XXXX.
n. On XX/XX/XXXX, for reasons unexplained, PRA sought and obtained a dismissal of its lawsuit against me to recover upon the alleged debt dismissed its suit against me upon the alleged debt in the XXXX Judicial District Court for the State of Louisiana ( Docket No. XXXX ) o. The dismissal sought and obtained by PRA was without prejudice, meaning that it could refile within the statute limitations.
p. Contrary to 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ), the fact that PRA sought and obtained a dismissal of its lawsuit against me in Louisiana to recover upon the alleged debt was not included in its XX/XX/XXXX report to XXXX, XXXX, and XXXX.
q. Upon its own motion, PRA allowed the applicable statute of limitations period in the State of Texas to expire without refiling suit to recover upon the alleged debt., and hence the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).
r. By allowing the statute of limitations in Texas to expire without refiling suit to recover upon the alleged debt PRA, under the law of lawsuit abandonment, relinquished and renounced all claims pertaining to the recovery upon the alleged debt, forever barred from resuming or reasserting such claims.
s. Undoubtedly, the Texas Attorney General, and the courts are going to love the explanation PRAs explanation as to its legal basis for pursing debt collection enforcement having abandoned its legal claims with respect to enforcement by operation of law. PRA can not sue for enforcement, drop its suit without prejudice, and purposefully allow the statute of limitations to expire with respect to continuing the suit, and then use the credit reporting process to extort me into paying a debt neither proven nor owed.
t. I cant wait to see business record affidavit with respect to those presents.
u. What PRA is attempting to do by contrivance is to offer the fact of its lawsuit as proof of the validity of the alleged debt.
v. XXXX! And the junkie knows it. Just another payment extortion scam by the scum that is PRA.
w. By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX XXXX are in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) for the reinsertion of previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by PRA.
x. By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX XXXX are in violation of 15 U.S.C. 1681i ( a ) for the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRA 's own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my XXXX score which it did, resulting in a {$12000.00} credit line decrease by XXXX XXXX XXXX.
y. By continuing to include the information of my alleged indebtedness to PRA, as reported by PRA on XX/XX/XXXX, XXXX, XXXX, and XXXX XXXX XXXX are liable for any damages sustained by me as a result of their negligence in the inclusion in my consumer files information as pertains to the PRA debt allegation that they know, knew, or by the exercise of reasonable diligence should have known, is a canard, as substantiated by PRAs own actions, and for allowing PRA to use the FCRA credit reporting mechanisms to harass and extort me into paying, by its own admission as a matter of law, a debt neither owed or due by inflicting damage to my XXXX score.
VI Suggestions for XXXX, XXXX, and XXXX XXXX Reporting Agencies 15. The foregoing considered, and further considering their liability issues, XXXX, XXXX, and XXXX, may want to consider reinvestigation of this matter as the reporting by the junkie PRA, of the alleged junk debt allegation on XX/XX/XXXX, has become an ANNUAL event. ( 15 U.S.C. 1681i ( a ) ( l ) ( A ) ). Its a habit that the junkie needs to break and now.
16. The foregoing considered, and further considering their liability exposure in the instant scenario ( yes, by their reporting of the bogus information provided by PRA, I have experienced credit line decrease to the sum of {$12000.00} by XXXX XXXX XXXX ), XXXX, XXXX, and XXXX, may want to consider a posting on their website and making available to users of consumer information the settlement by PRA with the State of New York regarding allegations that the company violated New York laws in its debt collections practices in that State.
17. Their complicity with PRA in the instant scenario notwithstanding, if they choose to reinvestigate, XXXX, XXXX, and XXXX, a perusal of their files will reveal previous instances of the same report levied by PRA as in the instant case.
18. If they choose to reinvestigate, XXXX, XXXX, and XXXX, may want to require PRA to establish that at the time the application for credit with XXXX was allegedly made by me, and moreover, the times I allegedly received benefits from said credit card, that : a. I was not a resident of XXXX XXXX XXXX XXXX, XXXX, Texas ( XXXX ) b. I was not a patient at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas ( XXXX ) 19. If they choose to reinvestigate, XXXX, XXXX, and XXXX, may want to suggest to PRA that it refrain from the utilization of autodial robocalls to contact me for the purposes of harassing me into paying a debt neither proven nor due.
20. Moreover, if they so choose to reinvestigate this matter, XXXX, XXXX, and XXXX XXXX XXXX XXXX want to : a. Initiate a SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ) b. Deleting from my consumer files the bogus information of my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
c. Cease and desist from reinserting into my consumer files the previously deleted items of information regarding my alleged indebtedness to PRA as reported to them by PRA on XX/XX/XXXX.
21. Of course, these are merely suggestions.
VII Notice to Evaluators of Creditworthiness based on Information furnished by PRA.
22. There are no secrets as to PRA, what it is, what it does, how it operates, and the abhorrent tactics it employs to extort consumers to pay debts not due and that, as in the instant scenario, it has no intention of proving owed. Thus, whosoever evaluates my creditworthiness based on information in my consumer files furnished by PRA does so at their own legal peril.
VIII.
Necessity of Inclusion of Statement in Consumer File 23. Nevertheless, this Statement of Dispute is to be included in my consumer file as required by the FCRA, Title 15 of the United States Code, section 1681I ( b ).
IX DECLARATION DECLARATION MADE, EXECUTED AND SIGNED under penalty of perjury on this the XXXX day of XX/XX/XXXX, at XXXX XXXX, XXXX XXXX, Texas.
XXXX XXXX XXXX XXXX
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| 06/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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To start your site doesn't offer clear options for many circumstances. So I will do my best to explain what the issue is. I will also being added many scanned documents to support what I put forth here.
Sometime around XXXX of XXXX I heard someone in my driveway. We are on the second floor and there are two doors to get to our apartment ( both are locked ). I looked outside and saw a XXXX male around XXXX to XXXX years of age walking back to a minivan. There was a XXXX female in the front passenger seat that seamed to be the same age. I yelled down asking him who they were looking for and didn't get a reply. So I went downstairs and said hello at which point the man handed me papers. He didn't say I was being served in fact he said nothing. So I looked at the papers and said " I wonder what this is '' and his response was " It's probably a mistake and you should just throw them away. '' The papers were in fact from the law firm of XXXX XXXX XXXX from XXXX NY. It was a notification that they were suing me on behalf of their client Portfolio Recovery Associates LLC. There was an index number listed of : XXXX.
I only had a few days before the date I had to answer so I had to do my best to answer so that a default judgement wasn't issued. In this case had I done what the process server suggested I would have had a default judgement against me. The process server should never be telling someone they serve to throw the papers away. I downloaded a from from the County Website and created my response on XX/XX/XXXX of XXXX. My answer contained three defenses : 1 ) I did not do business with Portfolio Recovery Associates LLC and thus challenged their standing.
2 ) In the original documentation there was not enough information for me to know if this was or was not an account that ever belonged to me.
3 ) Please take notice that my only source of income is Social Security XXXX which is exempt from collection.
After I filed my answer I eventually received a packet in the mail from XXXX and XXXX which they said I had requested. There was a cover letter which said inside I would find my account documentation and it was signed by a XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX is said to be an Associate Attorney with XXXX and XXXX and is the one who has signed all the paper work to this point.
The CPFB is likely well aware of the fact that Portfolio Recovery Associates LLC is under sanctions from the CPFB. There is a 60 or so page document on the CPFB which is a consent order that was signed on XX/XX/XXXX and is to be in effect for a minimum of 5 years. This is where the bulk of my complaint is going to come from.
I am not sure how many documents I will be allowed to attached. So I will just describe the issue and add as many documents as I can in the step that allows that.
In the packet of documents that XXXX XXXX XXXX sent me was a claimed Bill of Sale, A screenshot of an account page which I am not really sure what the point of it is. Along with a Credit agreement which I couldn't say is or is not one I would have read and/or agreed to. There is certainly nothing included that shows I agreed to it. Along with Account Statements from XXXX of XXXX through XXXX of XXXX.
The Bill of Sale is just a vague statement. That says there was an agreement " the agreement '' as well as a reference to the Notification Files ( as defined in the Agreement ). More importantly " the agreement '' was entered on XX/XX/XXXX and the Notification Files were to be delivered to the Buyer ( Portfolio Recovery Associates LLC ) by XX/XX/XXXX. There is no specific identification of any supporting document to be attached to the Bill of Sale which would allow Portfolio Recovery Associates to attach any document and claim it was part of The Agreement.
All of the documents I have received will be attached to this complaint. From a legal stand point the Bill of Sale is not sufficient. However, in this case Portfolio Recovery Associates is also under sanctions by the CFPB. Under item 119 ( which is on page 33 of 60 ) of this agreement Portfolio Recovery Associates is not allowed to initiate any Debt Collection Lawsuit unless in possession of certain documents. In item 119 part C to be specific this includes : A certified or other properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including Respondent. Each of the bills of sale or other documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected upon, which can be done by referencing an exhibit attached to each bill of sale or other document transferring ownership of the Debt that is represented or warranted by a Seller to be a list of all Debts acquired in that Portfolio.
To this point the bill of sale and documents provided do not meet standard requirements and thus obviously do not meet the stricter sanctions imposed by the CFPB. Since Portfolio Recovery Associates LLC is not allowed to initiate a debt lawsuit without being in compliance with the above section. It would seem they have violated their agreement with the CFPB by doing so.
The dates in the bill of sale are also something I would bring to the attention of the CFPB. The bill of sale states that the agreement was reached on XX/XX/XXXX. The random account screenshot which was included has a box defined as last payment date and that date is XX/XX/XXXX. The Account Statements that were provided which cover XX/XX/XXXX through XXXX of XXXX. Show an account in good standing with the payments being made. Until the XX/XX/XXXX Statement which shows a past due amount in the same total as the minimum payment due in XX/XX/XXXX. Per my understanding an account is considered in default 30 days after a payment is not made. Per Federal Guide Lines a " charge off '' would happen after 180 days. Which would make sense as to the last statement being from XXXX of XXXX.
The point of the previous paragraph is that Portfolio Recovery Associates LLC has provided a bill of sale which per their " under penalty of perjury '' statement was agreed to be purchased on XX/XX/XXXX. The account in this complaint per their provided paper work was an account in good standing at that time. As far as I know Portfolio Recovery Associates LLC has not been approved to be a money lender or bank. So I would have to question how they were in the process of allegedly buying an account in good standing.
Another section of the CFPB agreement with Portfolio Recovery Associates LLC is the Compliance Plan. Which is Section XII and to be specific in this case pages 39 to 41. Part of this to be specific was that Portfolio Recovery Associates LLC had to submit a plan of how it would comply with all applicable federal consumer financial laws and the terms of this Consent Order ( compliance plan ). Part C of the Compliance Plan section of the Consent Order as provides certain requirements for Portfolio Recovery Associates LLC in regards to Law Firms. For example Portfolio Recovery Associates LLC must set forth to Law Firms that represent them : the law firm 's specific performance responsibilities and duty to maintain adequate internal controls, the Law Firm 's duty to provide adequate training on compliance with all applicable Federal consumer financial laws and Respondent 's related policies and procedures.
The reason I am including the proceeded statement is that per the Consent Order any Law Firm that represents Portfolio Recovery Associates LLC must not only be aware of Federal Consumer Financial Laws. They are also aware of the Portfolio Recovery Associates LLC policies and procedures which are laid out in the consent order by the CFPB.
This goes specifically to a document filed on XX/XX/XXXX. Where XXXX XXXX XXXX, XXXX filed a motion for a Preliminary Conference. In that document under penalty of perjury XXXX XXXX XXXX, XXXX makes the following statements : 1. I am an associate attorney with the law firm of XXXX XXXX XXXX XXXX, attorneys for Portfolio Recovery Associates, LLC, ( hereinafter the " Plaintiff '' ), I am fully familiar with the facts and circumstances of this case. Further, I attest that I have made a review of the legal file maintained in our office, documents provided by the Plaintiff, and all documents in the proceeding herein.
2. That I make this affirmation in support of Plaintiff 's request for a Preliminary Conference.
There were two more statements which will be on the scanned document. For this specific part this is what I am taking issue with.
Due to the CFPB Consent Order Portfolio Recovery Associates, LLC is required to make the law firm of XXXX XXXX XXXX aware of the procedures and policies laid out in the Consent Order. XXXX XXXX XXXX claims under penalty of perjury that they are fully familiar with the facts and circumstances of this case. That they have made a review of the legal file maintained in their office and provided by Portfolio Recovery Associates LLC.
If XXXX XXXX XXXX had in fact reviewed the legal file. XXXX XXXX XXXX would have known that the documents provided do not meet the Consent Order enforced by the CFPB on their client Portfolio Recovery Associates. That bringing such a lawsuit would in fact have violated the CFPB consent order. There are only two assumptions I can make here. Either Portfolio Recovery Associates LLC also violated the CFPB Consent Order by not informing XXXX XXXX XXXX of these requirements. Or XXXX XXXX XXXX in fact did not review or have full knowledge of the documents. Since Portfolio Recovery Associates LLC is also required to send documentation to the CPFB. The CPFB should in fact have a record of whether XXXX XXXX XXXX are aware of these policies. Which would then allow a much easier conclusion to this issue.
As to the reason I am filing this complaint at this time beyond what I see as multiple and willful violations of the CFPB Consent Order. Monday XX/XX/XXXX at XXXX was the preliminary conference of this case. This included Judge XXXX XXXX law clerk who I believe said his name was XXXX and a Lawyer from XXXX NY that I did not catch the name of. ( Was that lawyer required to be aware of the CFPB Consent Order? ). In that meeting I felt overly pressured to agree to a settlement. That pressure did NOT come from Opposing council. I was asked at least 7 times in different ways by the Law Clerk if I could accept a Settlement. Opposing Council was allowed to accept a 60 % settlement and the clerk multiple times brought up 50 %. This was after I clearly stated that I am on XXXX and every month have no money or am slightly overdrawn at the end of the month. That if I accepted a settlement I would obviously not be able to abide by the settlement and thus would have negative action taken against me. Even after stating this I was told I should take settlement multiple times all while being told the clerk was a neutral party and could also not give me any legal advice. I did not see the conversation as being neutral and instead saw it as something that would negatively impact me if I took that advice. Also in this discussion was that I should have an attorney even if I couldn't afford on. Which for a lay person implies that you will lose without one and should just agree to the settlement. The CFPB Consent Order with Portfolio Recovery Associates is full of paragraphs talking about what statements imply or how they may be taken by a consumer. At one point I asked if there would be a discovery period and was told by the clerk he couldn't give me legal advice. Perhaps being a layman there is something I missed. However, asking if there is a discovery period is not asking for legal advice. So I am filing this complaint because after the preliminary conference I feel forced to. As I have to look out for my best interest as no one else seems to be.
*Note* I am not going to include the claimed card agreement documents because they should not be relevant to my complaint here or the violations of the CFPB Consent Order, However, if needed I would be glad to send those as well. The Bill of Sale, Account Screenshot and Statements are the documents I was provided by XXXX XXXX XXXX. There were extra pages to the Statements that were not part of my complaint. I included the Statements XXXX XXXX XXXX sent to me. From XX/XX/XXXX to XX/XX/XXXX in order to show account status. I then included the final statement provided which was from XXXX of XXXX. This is relative to the date of the agreement on the bill of sale that is part of my complaint. As well as the Bill of Sale being insufficient under normal standards and obviously not sufficient per the CFPB Consent Order.
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| 03/28/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been dealing with Portfolio Recovery for quite some time. Initially, I sent the below-pasted letter via certified delivery, which was confirmed. Shortly after, they refused to sign to slow my administrative process. I have sent letters 2 and 3 ( pasted below ) without a response. Recently, I have disputed this with the credit bureaus in which Portfolio Recovery provided a fake set of bills addressed to me to all 3 credit bureaus causing further negative marks on my credit. They need to be prosecuted to the fullest extent of the law for their illegal practices. Please see to it that I am provided the remedy requested.
LETTER 1 SENT XX/XX/XXXX - WITH NO RESPONSE RESENT THE FOLLOWING A SECOND TIME XX/XX/XXXX WHICH THEY REFUSED TO SIGN. I SENT IT REGULAR MAIL XX/XX/XXXX.
SENT ALL LETTERS AGAIN WITH NOTICE OF DEFAULT ON XX/XX/XXXX.
ALL HAVE BEEN IGNORED AND NOTHING I HAVE ASKED FOR WAS PROVIDED!!!
LEGAL NOTICE 1 of 2 Time to respond - 30 Days From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Colorado XXXX XXXX CO XXXX XXXX : XX/XX/XXXX To : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX regards to : CONSUMER REPORTING AGENCY ( CRA ) FILES : XXXX : XXXX , non-adverse, non-belligerent, non-combative party, a secure creditor with power of attorney general, and executor on behalf of the XXXX XXXX XXXX XXXX , is in possession of your recent voluntary submission of evidentiary documents.
Upon reviewing our consumer credit reporting files, it was noticed that you are blatently disregarding previous disputes and requests for information from us. And, you are willfully and illegally continuing to report false credit information on our consumer credit reports.
We do not and have not had any contracts with PORTFOLIO RECOVERY ASSOCIATES , LLC or the alleged accounts/debts on my consumer credit report *Alleged Account XXXX *AllegedAccount XXXX *Alleged Account XXXX As you may or may not be aware, there are eight parts to a lawful contract.
1. Parties Competent to Contract - The parties to a contract should be competent, being of the age of majority/consent, of sound mind, and not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness, or status. The status of the parties should be of like kind, being artificial Legal Person and artificial Legal Person, or living Man/Woman and living Man/Woman, allowing two or more parties but never a mixture of these kinds.
2. Free and genuine consent - The parties consent to the agreement must be free and genuine. The parties ' consent should not be obtained by misrepresentation, fraud, undue influence, coercion, or mistake. If consent is obtained by any of these flaws, then the contract is invalid.
3. Full disclosure - When negotiating a contract, full disclosure is the act of providing all material information, or telling the " whole truth, '' about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract.
4. Sufficient mutual consideration - The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement.
5. Certainty of terms - The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates.
6. Meeting of the minds- A meeting of the minds 'consensus ad idem ' occurs between the parties when they recognize each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds in status, Man/Woman with Man/Woman, or when these are acting as Legal Person with Legal Person. A corporation and another corporation may enter into contract by way of 'accommodation parties ', and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of equal status.
7. Signatures or autographs- Written contracts between artificial Legal Persons must carry the wet ink signatures of both parties, because a wet ink signature is an accommodation from a living Man/Woman, declared or not. Written contracts between sentient beings must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living status is recognized by a thumbprint or more often by an unambiguous declaration with the autograph, such as authorized agent written below.
8. Privity of contract - A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
PORTFOLIO RECOVERY ASSOCIATES , LLC, must herein provide the original copies of the alleged contracts between us and each of the alleged accounts/debts listed above. The presentments need to fulfill the eight parts of a lawful contract mentioned above. Anything without these eight components of a lawful contract will demonstrate your attempts to commit identity theft and fraud against us 31 U.S. Code 3729, 15 U.S. Code 1692e.
PORTFOLIO RECOVERY ASSOCIATES , LLC, must provide Proof of Chain of Title of Ownership of these alleged accounts/debts. If the alleged accounts/debts were acquired by you as a debt buyer, then proof of chain of title of the alleged accounts/debts must be from the original creditor to the current owner without any break in the chain.
PORTFOLIO RECOVERY ASSOCIATES , LLC, must provide the payment history of this alleged accounts/debts.
PORTFOLIO RECOVERY ASSOCIATES , LLC, must provide copies of Privacy and Opt Out Notices that were allegedly sent to us from each of the three accounts/debts listed above. Also, include verification of when they were sent and received. 16 CFR 313 PORTFOLIO RECOVERY ASSOCIATES , LLC, must herein provide a true and certified copy of the complete audit trail of said accounts/debts. Furthermore, in order for PORTFOLIO RECOVERY ASSOCIATES , LLC to validate the accounts/debts, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s, in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. This includes ALL authenticated records of accounting including ALL tax filings. Also provide a copy of your Tax Registration certificate. We are entitled to this information according to UCC 9-210 In accordance with the fair credit reporting act, you have violated our rights.
-Under 15 U.S.C . 1681 section 602, we have the right to privacy -Under 15 U.S.C . 1681 section 619 you have obtained our personal information under false pretenses and you should be fined, imprisoned, or both PORTFOLIO RECOVERY ASSOCIATES , LLC, is using deceptive, misleading, illegal, and fraudulent tactics while working with *Alleged Account XXXX *AllegedAccount XXXX *Alleged Account XXXX which shows that you are violating 18 U.S. Code 241 - Conspiracy Against Rights. You have violated our right to privacy by conspiring with the above accounts and the consumer reporting agencies to pull our consumer report on four documented dates ( see Legal Notice 2 ) without written consent from us. 15 U.S.C. 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ]. 15 U.S. Code 1692j.
Your failure to substantiate the claim is a violation of our rights. Please settle the account immediately within the next thirty days. Delete the inaccurate information from our consumer report.
You are on notice that you are unlawfully attempting to collect the above-listed alleged debts for the above alleged accounts. Cease and desist all collection activity, including contacting the consumer reporting agencies ( CRAs ) to access our file without written consent from us.
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and our state attorney general. The CFPB, FTC, and state attorney general are authorized to fully investigate this matter and receive any information related thereto.
Be advised you have thirty days to respond with the required presentments. We demand you to remove the defamatory files on our credit reports and cease any further collection attempts or communication. If you fail to comply with this letter within the thirty days, we will turn this matter over to the CFPB, FTC, Attorney General of CO, and to a consumer attorney. Once this is complete, we will ask for additional fees.
Also, your permission to contact us or communicate with us by phone or any other means except by mail through the United States Postal Service is revoked per U.S. Code, 15 U.S.C. 1692c ( c ) Sincerely, By : XXXX XXXX XXXX All rights reserved without prejudice pursuant to UCC 130 Authorized Agent and Executor of the Estate for XXXX XXXX XXXX LEGAL NOTICE 2 of 2 Time to respond - 14 Days From : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/XXXX To : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX regards XXXX : DEMAND OF PAYMENT : XXXX : XXXX non-adverse XXXX XXXX XXXX non-combative party, secure creditor with power of attorney general, and executor on behalf of the XXXX XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents.
In accordance with the fair credit reporting act, you have violated our rights.
Under 15 U.S.C. 1681 section 602, we have the right to privacy You have violated our right to privacy by conspiring with the consumer reporting agencies to pull our consumer reports without written consent from us on four separate dates. 15 U.S.C. 620. Unauthorized disclosures by officers or employees [ 15 U.S.C. 1681r ].
Under 15 U.S.C. 1681 section 619 you have obtained our personal information under false pretenses and you should be fined, imprisoned, or both.
On XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC pulled our personal consumer report. 15 U.S.C. 1681 b, 619. 15 U.S.C. 1681q On XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC pulled our personal consumer report. 15 U.S.C. 1681 b, 619. 15 U.S.C. 1681q On XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC pulled our personal consumer report. 15 U.S.C. 1681 b, 619. 15 U.S.C. 1681q On XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC pulled our personal consumer report. 15 U.S.C. 1681 b, 619. 15 U.S.C. 1681q There was/is no credit or contract between you and us.
You were never given prior authorization or permissible purpose under the FCRA to pull our credit. Therefore, it should not be listed on our credit account as an inquiry.
As a result of you unlawfully obtaining our consumer report without permission, you are liable to me an actual damage of {$1000.00} per violation.
We are willing to settle this matter with admitted liability from PORTFOLIO RECOVERY ASSOCIATES , LLC.
Cease and Desist obtaining copies of our consumer report from the consumer reporting agencies.
Pay us {$4000.00} and deliver it to the address above within fourteen days of receiving this demand.
Please be advised, we are prepared to place a commercial lien on your company if you do not comply with this demand within the fourteen days.
Upon time of receipt of the {$4000.00}, this letter shall be general release of all claims herein.
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my our state attorney general. The CFPB, FTC, and state attorney general are authorized to fully investigate this matter and receive any information related thereto.
Be advised, if you fail to comply with this letter within the fourteen days, we will turn this matter over to the CFPB, FTC, Attorney General of CO, and to a consumer attorney. Once this is complete, we will ask for additional fees.
Also, your permission to contact us or communicate with me by phone or any other means except by mail through the United States Postal Service is revoked per U.S. Code, 15 U.S.C. 1692c ( c ) Sincerely, By : XXXX XXXX XXXX All rights reserved without prejudice pursuant to UCC 130 Authorized Agent and Executor of the Estate for XXXX XXXX XXXX
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| 03/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; Makes a false representation of the character of the herein above-referenced alleged debt ; Makes a false representation of the legal status of the herein above-referenced alleged debt ; Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : Voluntarily report this account to all credit bureaus as paid as agreed ; and, Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, The matter regarding the alleged debt is finally and totally settled ; and, Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$8200.00} ) which equals ( {$24000.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this _________ day of ___________________, XXXX by, __________________________________ Firstname Middlename Lastname, Agent for FIRSTNAME MIDDLE LASTNAME You are the second party that has written a letter purporting to represent, or have as your client, ORIGINAL CREDITOR, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
Alleged Name and Address of Creditor Name on File of Alleged Debtor : Alleged Account # : Amount of alleged debt : Date that this alleged debt became/becomes payable : Date of original charge off or delinquency : Amount paid if debt was purchased : Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Provide verification from the stated creditor that you are authorized to act for them.
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
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| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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After review of my credit report, I noticed that there were some inaccuracies that have not been corrected or deleted. I intend to seek damages for mental and physical pain and anguish due to these aggravating items being on my credit report falsely. I have requested that all of these accounts be properly validated in the past and they were not properly validated. These accounts have been disputed in the past and the credit report does not show the required notice of dispute by consumer and if it does, it was not inserted within the allotted amount of time. In any event, all of these accounts need to be deleted for multiple violations and inaccurate and unverifiable information. Please, my next letter will be a letter of intent to sue.
Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX Portfolio Serv Account XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX XXXX Forward letter To : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX Card Account XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor, Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Forward letter To : Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Forward letter To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX USA Forward letter To : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DOB : XXXX SSN : XXXX Hello, On XX/XX/2021 a letter was sent to you requesting removal of the below listed accounts from my credit report because of the fact that there was inaccurate and unverifiable information on my credit report which is a violation of the FCRA. You have not responded to my request nor have you corrected the error within the forty-five day time frame by the FCRA. Falsely reporting a debt can initiate possible legal action. Therefore, I demand that you immediately make the appropriate changes to my credit report to avoid further violating the FCRA.
Should you fail to timely follow Federal Law, I will file a complaint with the Federal Trade Commission and the Attorney General of my state. If necessary, I will direct my lawyer to file suit under the provisions of FCRA, for fraud and for credit slander in court.
The payment history is incorrect on the oldest late payment The date of last activity is incorrect The name of the creditor is misspelled There are truncated numbers that shouldn't be truncated Delete this account!!
I hope you will take advantage of this opportunity without the need for litigation.
Thank you, XXXX XXXX
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| 07/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : Portfolio with Account # XXXX for a debt owed of {$1600.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO SVC XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on debit.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
CREDIT BUREAU NAME Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to a debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE
ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit report by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
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| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Owed {$440.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies. This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file. Please confirm within 20 days that you have directed these credit reporting agencies to remove this information. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The debt for Portfolio Recovery Associates , LLC account # XXXX is contractually assigned to Social Security XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The debt is not assigned to the human beneficiary. Since this has been reported as fraud and have not provided any evidence that was requested under federal law, you are now malfeasance in doing so. You have an obligation to remove this account from the beneficiaries Credit Report and withdrawal any negative derogatory marks it may have received.In addition, the debt of the account is not valid. It does not meet the four essential conditions to a lawful binding contract-Namely : 1. Full Disclosure. ( I was not told that I was creating a credit with my wet ink signature ) ; 2. Equal consideration. ( Portfolio Recovery Associates , LLC brought nothing of value to the table and so had nothing to lose ) ; 3. Lawful terms and conditions. ( Yours were based on fraud ) ; 4. The wet signatures of both parties- ( Corporations cant sign because they have no Right or Mind to contract since they are soul-less legal fictions ; and furthermore, no third party can sign a contract on their behalf ).
One can not owe you money when the dollar is backed by the full faith and credit of the American people. You did not lend me your money. You were paid from the trust when you allegedly received my wet ink signature on said contract ( which was based on fraud as mentioned above. ) Not only have you been paid, but you are also requesting more money and double dipping on the money you received. House Joint Resolution 192, Public Law 73-10 states that all debt public and private are paid for. There is no debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. You did not send me validation rather you sent me an account summary which I will provide a copy of what you sent here. You are malfeasant and need to be investigated. You did not halt all phone communications with XXXX XXXX and you called numerous times a day harassing for payment. Even after he advised to not call as he is an XXXX year old man with XXXX XXXX! 15 USC 1681b - FCRA - Under the permissible Purpose Law the original Creditor has a written agreement with the consumer to make your payments directly to them they do not have my permission/written consent to give out my information and sell it to a third party ( that being Portfolio Recovery Services , LLC ) THAT IS ILLEGAL! FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of XXXX XXXX Section 605A-15USC 1681 c-1 Section 605B- 15USC 1681 c-2 You are in clear violation of numerous things and attempting to collect a debt that legally needs to be removed - You have NOT sent any validation and or purchase agreements as the above Permissible Purpose Law altogether puts you in violation - I DO NOT CONSENT - Further Investigation of your fraud should be pursued as you are in direct violation and harassing an elderly person to boot after he said to stop calling. CONSPIRACY AGAINST RIGHTSUSC 18 241 If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State in the free exercise or enjoyment of any right, they shall be fined under this title or imprisoned not more than ten years, or both. CONSPIRACY TO INTERFEREUSC 42 1985 If two or more persons in any State or territory conspire for the purpose of depriving, either directly or indirectly any persons rights the party so injured or deprived may have an action for the recovery of damages against any one or more of the conspirators. NEGLECT TO PREVENTUSC 42 1986 every person who, having knowledge that any of the wrongs conspired to be done or are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured ( Cruden v. Neale ) man is independent of all laws, except those prescribed by nature. he is not bound by any institutions formed by his fellow- man without his consent. THE REAL LAW ( Marbury -v-Madison, 5th US ( 2 Cranch ) 137, 174, 176, 1803 ) RIGHTS AND SOVEREIGNTY ( hurtado v. People of the State of California, 110 U.S. 516 ) The assertion of federal rights [ Bill of Rights ], when plainly and reasonably made, is not to be defeated under the name of local practice. ( davis v. Wechsler, 263 US 22, 24 ) Sovereignty itself is, of course, not subject to law, for it is the author and source of law. ( yick Wo v. hopkins, 118 US 356, 370 ). to deprive the People of their sovereignty, it is first necessary to get the People to agree to submit to the authority of the entity they have created. That is done by getting them to claim they are citizens of that entity Constitution for the U.S.A., XIV Amendment Isbill v. Stovall LAW OF THE LAND This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding. US Constitution If any statement, within any law, which is passed, is unconstitutional, the whole law is unconstitutional. ( Marbury v. Madison : 5 US 137, 1803 16Am Jur 2d : 16Am Jur 2d., Sec . 97 ; Bary v. United States - 273 US 128 16Am Jur 2d., Sec . 114 16Am Jur 2d., Sec . 256 Mudook v. Penn. 319 US 105, 1943 Owen v. lndependence 100 Vol. Supreme Court Reports. 1398 : [ 1982 ] ; Main v. Thiboutot 100 Vol. Supreme Court Reports. 2502, 1982 Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ; 1958 davis v. Burris, 51 Ariz. 220, 75 P.2d 689 ; 1938 In re duncan , 139 U.S. 449, 11 S.Ct. 573, 35 L.ed. 219 ; Minor v. happersett, 88 U.S. ( 21 Wall. ) 162, 22 L.ed. 627. Blacks Law dictionary, Fifth edition, p. 626 People v. Skinner, Cal., 110 P.2d 41, 45 ; State v. Rossi , 71 R.I. 284, 43 A.2d 323, 326 ; direct Plumbing Supply Co. v. City of dayton, 138 Ohio St. 540 , 38 N.e.2d 70, 72, 137 A.L.R. 1058 ; Stoner v. higginson, 316 Pa. 481, 175 A. 527, 531 Schware v. Board of Bar examiners, 353 U.S. 232 ; 1957 Schware v. Board of examiners, United State Reports 353 U.S. pages 238, 239 Sims v. Aherns, 271 SW 720 ; 1925 Murdock v. Pennsylvania, 319 U.S. 105, at 113 hertado v. California, 110 U.S. 516 Miller v. U.S., 230 F 2d 486. 489 14th Amendment Article I, section 1 Waring vs. the Mayor of Savanah Chisholm v. Georgia State v. dallas City United States -v- Williams Reminder A reminder that this is a trust action. You are in a fiduciary position as trustee because you are handling and working with my Social Security XXXX XXXX XXXX XXXX XXXX XXXX directly or indirectly as part of the service you provide. As a fiduciary everything you do MUST be for my benefit. If this debt is not placed in satisfactory status you are acting in your own best interest which makes you malfeasant of office. It is trust fraud and that is a felony. XXXX XXXX, XXXX XXXX XXXX, do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Common Law Contract, is true, accurate and correct to the best of my knowledge, information and belief and conveys the requirements set forth as intended by me without prejudice.
YOU have repeatedly submitted false claims against my name and have provided nothing substantial as I have asked NUMEROUS times if consent was given and if this contract was in fact valid / Furthermore if this alleged debt has been written off as a lost and you are collecting money on top of it from my trust then are you in violation " double Dipping '' which is a crime! You continue to report false information and continue to write false statement of things you have done and have not given any substantial proof that this debt is a debt from a man to a man. If this is not resolved after this final complain I will be pursuing you in common court and ask XXXX : Family of Fredrickson d/b/a Trustee of the Social Security XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX Chief Executive Officer of Corporation Portfolio Recovery Associates , LLC to appear in front of me this he is the man laying claim against my property. I have been more than lenient with you in getting this resolved. I will also seek punitive damages against my property as a man. So, If this man is willing to appear in front me in common court and can lay his hand on the bible swearing to God himself that I am the man that owes this alleged debt then let him show. This is your final chance to remove this debt and request a deletion from all three bureaus. I am a busy man and this as stated in my letters to you takes up my time. I charge {$21.00} dollars a second and this has been going on for months! YOU DO THE MATH! If this is not deleted I will see the man that lays false claims against my property in court! You will be held in accordance with conspiracy against my rights as a man who is only bound to the laws of GOD himself
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| 01/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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XXXX : Family of XXXX XXXX Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, Chief XXXXXXXX XXXX of XXXX Portfolio Recovery Associates , LLC Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Full XXXX. ( I was not told that I was creating a credit with my wet ink signature ) ; XXXX. Equal consideration. ( Portfolio Recovery Associates , LLC brought nothing of value to the table and so had nothing to lose ) ; Since there was no Equal consideration this alleged contract is NULL AND VOID!
XXXX. Lawful terms and conditions. ( Yours were based on fraud ) ; XXXX. The wet signatures of both parties- ( XXXX cant sign because they have no Right or Mind to contract since they are soul-less legal fictions ; and furthermore, no third party can sign a contract on their behalf ). ( Account Summary is not Validation ) An Account Summary is not debt validation and holds no merit to its validity. I have asked for specific documents that you are malfeasant in providing me with. Since you cant provide me with said documents and or contracts then the above debt needs to be dismissed and reported to the XXXX Credit Bureaus. I have been very patient with you and I have provided more than enough proof that this debt is not valid. Further communication with me should only be to provide me with the documentation that I have asked for in accordance with the original letter I sent you. You are required under Federal law to submit and provide me with debt validation and a copy of the contract, not an account summary. You have continued to report negative marks to the XXXX Credit Bureaus as well which you are not inclined to do under federal law since you have not provided me with a contract. The only thing you mailed me was the account summary and a copy will be attached for your reference. This is invalid and violates my rights under common law since you lay claim against my property. I have provided more than enough proof that this debt is not valid and you have provided nothing substantial. You lay false claim against my name and bond under common law. You are now required to remove and dismiss this from the beneficiary of Social Security XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Since you have failed to provide the information you are required to provideUnder the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
You did not send me validation rather you sent me an account summary which I will provide a copy of what you sent here. You are malfeasant and need to be investigated. You did not halt all phone communications with XXXX XXXX and you called numerous times a day harassing for payment. Even after he advised to not call as he is an XXXX year old man with XXXX XXXX!
15 USC 1681b - FCRA - Under the permissible Purpose Law the original Creditor has a written agreement with the consumer to make your payments directly to them they do not have my permission/written consent to give out my information and sell it to a third party ( that being Portfolio Recovery Services XXXX XXXX ) THAT IS ILLEGAL!
FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX whichever is greater. " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for XXXX or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of $ XXXX Section 605A-15USC 1681 c-1 Section 605B- 15USC 1681 c-2 You are in clear violation of numerous things and attempting to collect a debt that legally needs to be removed - You have NOT sent any validation and or purchase agreements as the above Permissible Purpose Law altogether puts you in violation - I DO NOT CONSENT - Further Investigation of your fraud should be pursued as you are in direct violation and harassing an elderly person to boot after he said to stop calling.
XXXX AGAINST RIGHTSUSC 18 241 If XXXX or more persons conspire to injure, oppress, threaten, or intimidate any person in any State in the free exercise or enjoyment of any right, they shall be fined under this title or imprisoned not more than XXXX years, or both.
XXXX TO INTERFEREUSC 42 1985 If XXXX or more persons in any State or territory conspire for the purpose of depriving, either directly or indirectly any persons rights the party so injured or deprived may have an action for the recovery of damages against any XXXX or more of the conspirators.
NEGLECT TO PREVENTUSC 42 1986 every person who, having knowledge that any of the wrongs conspired to be done or are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured ( XXXX XXXX XXXX ) man is independent of all laws, except those prescribed by nature. he is not bound by any institutions formed by his fellow- man without his consent.
THE REAL LAW ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) RIGHTS AND SOVEREIGNTY ( XXXX XXXX People of the State of California, 110 U.S. 516 ) The assertion of federal rights [ Bill of Rights ], when plainly and reasonably made, is not to be defeated under the name of local practice. ( XXXX XXXX XXXX, 263 US 22, 24 ) Sovereignty itself is, of course, not subject to law, for it is the author and source of law. ( XXXX XXXX XXXXXXXX XXXX, 118 US 356, 370 ). to deprive the People of their sovereignty, it is first necessary to get the People to agree to submit to the authority of the entity they have created. That is done by getting them to claim they are citizens of that entity Constitution for the U.S.A., XXXX XXXX XXXX XXXX XXXX LAW OF THE LAND This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.
US Constitution If any statement, within any law, which is passed, is unconstitutional, the whole law is unconstitutional. ( XXXX v. XXXX : 5 US 137, 1803 16XXXX Jur XXXX : XXXX Jur XXXX, Sec XXXX XXXX ; XXXX v. United States - XXXX XXXX XXXX XXXX XXXX XXXX, Sec XXXX XXXX XXXX XXXX XXXX, Sec XXXX XXXX XXXX v. XXXX. XXXX XXXX XXXX, XXXX XXXX v. lndependence XXXX Vol. Supreme Court XXXX. XXXX : [ XXXX ] ; XXXX XXXX XXXX XXXX Vol. Supreme Court XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX U.S. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX In XXXX XXXX XXXX XXXXXXXX U.S. XXXX XXXX XXXXXXXX. XXXX, XXXX L.ed. XXXX ; Minor v. XXXX, XXXX XXXX ( XXXX XXXX. ) XXXX, XXXX L.ed. XXXX. XXXX XXXX XXXX, XXXX edition, p. XXXX People v. XXXX, Cal., XXXX XXXX XXXX, XXXX ; State v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; direct Plumbing Supply XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A.L.R. XXXX ; XXXX v. XXXX XXXX XXXX XXXX, XXXX A. XXXX, XXXX XXXX v. Board of XXXX examiners, XXXX XXXX XXXX ; XXXX XXXX XXXX Board of examiners, United State Reports XXXX U.S. pages XXXX, XXXX Sims v. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX Pennsylvania, XXXX XXXX XXXX, at XXXX XXXX v. California, XXXX XXXX XXXX XXXX v. U.S., XXXX F XXXX XXXX. XXXX XXXX XXXX Article I, section XXXX XXXX vs. the Mayor of XXXX XXXX XXXX Georgia State v. XXXX XXXX United States -v- XXXX Reminder A reminder that this is a trust action. You are in a fiduciary position as trustee because you are handling and working with my Social Security XXXX que Trust XXXX XXXX XXXX directly or indirectly as part of the service you provide. As a fiduciary everything you do MUST be for my benefit. If this debt is not placed in satisfactory status you are acting in your own best interest which makes you malfeasant of office. It is trust fraud and that is a felony.
XXXX XXXX, XXXX XXXX XXXX, do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Common Law Contract, is true, accurate and correct to the best of my knowledge, information and belief and conveys the requirements set forth as intended by me without prejudice.
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| 03/21/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or about XX/XX/XXXX, I was notified by a potential employer that I needed to explain several small bills found in my credit report. Two of the bills are sham bills, i.e. I never opened or owned either of the two accounts. In XX/XX/XXXX, I contacted both of the creditors and submitted email requests asking for details about the alleged bills. There was a flurry of communications which provided extremely limited details. As of today, XX/XX/XXXX, I have demanded that both creditors remove the bills. Neither creditor has responded to my requests for information appropriately. The specific details follow.
First, I contacted Portfolio Recovery Associates ( hereafter " XXXX '' ) by telephone on XX/XX/XXXX. I asked for an explanation of the what the alleged debt pertained to. I spoke with XXXX 's representative, XXXX XXXX. I was told that the account pertained to a XXXX XXXX credit account and that the claimed debt was in the amount of {$310.00}. The account provided for this alleged debt is XXXX. I told XXXX XXXX that there was an error on the part of XXXX and that no such account existed as far as I could remember. I was instructed to state my dissent in writing, which I did, via email, forwarded to XXXX on XX/XX/XXXX. In the body of my email, I stated : " With reference to Account no. XXXX, a XXXX XXXX account, I do not own this account. I am disputing the legitimacy of this debt. I have attached a screenshot of the alleged account information below as it appears on my credit report. '' On XX/XX/XXXX, I also commenced the dispute process through XXXX. I have checked back several times, but no resolution whatsoever has come as a result of commencing the dispute through XXXX.
When four ( 4 ) weeks had passed with no response from XXXX, I sent a second email which contained the following language : " I am writing to demand that the falsely generated bill addressed in my previous emails below be removed from my credit report. I wrote on XX/XX/XXXX and there has been no response to my dispute. The debt has not been properly validated. Therefore, I am demanding that PORTFOLIO RECOVERY ASSOCIATES REMOVE THIS FALSE BILL FROM ALL OF MY CREDIT REPORTS AT ONCE AND EFFECTIVE IMMEDIATELY. '' XXXX sent me a 10 page package via U.S. mail, dated XX/XX/XXXX. Then, XXXX sent the same package ( which was also dated XX/XX/XXXX ) again. The bill total described in the package, {$310.00}, was due to be paid on XX/XX/XXXX. Other than listed a bill total of {$310.00}, allegedly due to XXXX XXXX, there was no other information whatsoever, pertaining to who opened the account, when it was opened, or any proof that I was the one who opened the account.
I contacted XXXX by telephone to let XXXX XXXX know that the two packages sent to me did not answer any question or serve to validate the claim. In response, XXXX sent a third package to me, via U.S. mail, dated XX/XX/XXXX. This third package was not very different from the first two. It did not contain one shred of information pertaining to any proof that the account ever belonged to me, or that I had ever opened the account with XXXX XXXX. The only difference between the first package and the third was that there were additional charges attributed to the alleged account listed ( in the third package ) that were allegedly made in XX/XX/XXXX, in addition to XX/XX/XXXX.
XXXX has to date, refused to give any proof that I opened this account, that I owned the account or that I made such charges that resulted in a bill due in the amount of {$310.00}. I am seeking relief, in whatever form that is due to me including an order that the bill be removed from my credit report, and that any and all penalties and costs and damages due to me be awarded to me.
The second bill I am complaining about pertains that a debt in the amount of {$610.00}, allegedly due to XXXX. The debt collector I contacted was XXXX XXXX XXXXXXXX ( hereafter " XXXX '' ) and I spoke with XXXX XXXX, an Assistant Manager. I provided the account number that was listed on my credit report ( XXXX ) and XXXX gave me some details on the account. XXXX asked me if I was and referred to me twice as " XXXX XXXX. '' I had to tell XXXX twice that I was not XXXX XXXX and I also explained to XXXX that I did not have an account with XXXX, especially on the dates that the account was specifically listed as being opened and active. In fact, I had an account with another rival telephone provider for the time period that this XXXX account allegedly existed in XXXX XXXX ' name.
I sent an email to XXXX on XX/XX/XXXX to commenced the dispute process. In the body of my email I stated : " This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. I dispute the validity of this alleged debt to XXXX. I did not open an account with XXXX in XX/XX/XXXX. This is completely untrue. I do not owe any debt to XXXX. I have attached a screenshot of the erroneous account that is listed on my credit report : '' I received an email response on the same day from XXXX XXXX, a Compliance Analyst employed by XXXX assuring me that the matter would be processed as soon as possible.
I received a five ( 5 ) page package dated XX/XX/XXXX. The package consisted of a piece of paper with XXXX 's logo at the top left hand corner, a NEW account number ( XXXX ) and a dollar sum listed in the middle of the page for {$610.00}. The rest of the page was blank except for standard boilerplate information. There was NO OTHER INFORMATION. There was no other information whatsoever, pertaining to who opened the account, when it was opened, or any proof that I was the one who opened the account, or even what the telephone number for the account was.
On XX/XX/XXXX, I responded via email to XXXX as follows : " I have reviewed the billing statement on the XXXX letterhead that was mailed to my residential address. I did not have service from XXXX at any point in time during XXXX XXXX the date listed on the bill. ) This bill has been falsely generated. The format of the bill is also suspicious. It simply lists {$610.00} without any sort of delineation of how this sum was reached or what charges were accrued to arrive at this total. The document you sent to me does not provide any information as to how the bill was generated ( i.e. what were the exact services provided that led to this bill being generated??? ) I want to see a list of telephone calls that were made on this account in XX/XX/XXXX. Again this bill has been falsely generated and it must be removed from my credit report at once. I am further demanding that if your agency has any written, documentable proof that service was provided to me by XXXX in XX/XX/XXXXthat such documentation be provided as soon as possible. As I know that no such proof exists, I am respectfully making demand that this bill be removed from my credit report as it has been falsely generated. I am also requesting that documentation that this bill has been removed from my credit report be provided AS SOON AS POSSIBLE as it is hindering me from an employment offer. '' XXXX responded again with another package sent to me via XXXX mail. The package was dated XX/XX/XXXX. The package consists of a replica of the contents of the XX/XX/XXXX package. I responded via mail, on XX/XX/XXXX as follows : " I recently requested validation of the debt to XXXX, on XX/XX/XXXX via the email in this chain below. On or about XX/XX/XXXX, I received a second package ( postmarked XX/XX/XXXX ). This is NOT validation of the alleged debt to XXXX. In fact the letter I received in the XX/XX/XXXX postmarked package is nothing but a photocopy of the EXACT SAME package you sent the first time. There is nothing in this letter but a dollar amount listed on a piece of paper that looks like a XXXX 's letterhead. I am not certain whether you are trying to insult me by sending an exact photocopy of what you sent me the first time. Does XXXX XXXX XXXX think I am unintelligent and can not read??? Or are you mocking me??? The letter in the XX/XX/XXXX postmarked enveloped provides NO INFORMATION VALIDATING THIS DEBT. In my communication to XXXX XXXX XXXX on XX/XX/XXXX, I requested very specific information. Therefore YOU, XXXX XXXX, XXXX have FAILED TO VALIDATE THIS ALLEGED DEBT. I THEREFORE CONCLUDE BASED ON YOUR FAILURE TO PROPERLY VALIDATE THIS DEBT THAT XXXX XXXX HAS NO VALID PROOF OF ANY DEBT OWED TO XXXX AND I DON'T OWE XXXX {$610.00}. This is a falsely generated bill. Remove it from my credit at once!!!! '' I also filed a dispute with XXXX in XX/XX/XXXX which remains unresolved to this date.
XXXX has to date, refused to give any proof that I opened an account with XXXX, and/or that I owned the XXXX account or that I made such charges that resulted in a bill due in the amount of {$610.00}. I am seeking relief, in whatever form that is due to me including an order that the bill be removed from my credit report, and that any and all penalties and costs and damages due to me be awarded to me.
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| 05/29/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i have sent 2 letters to PORTFOLIO RECOVERY ASKING THEM TO VALADATE THIS DEBT FOR ME BECAUSE I HAVE KNOW KNOWLEDGE OF IT BOTH LETTERS WAS SENT VIA CERTIFIED MAIL AND IT HAS BEEN OVER 60 DAYS WITH NO RESPONSE, THIS DEBT DOSENT BELONG TO ME I HAVE NO CONTRACT NOR ACCOUNT WITH THEM .THEY REFUSED TO EVEN TELL ME WHO WAS THE ORIGINAL CREDITOR WHICH IS A VOILATION OF MY CONSUMER RIGHTS, original creditor they have listed..i called them about the account and was hung up own after asking them why I haven't received a response.This company isn't legally allowed to collection in the state of texas, this company by law .The law states Every collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. I never received anything about this account it just popped up on my credit profile out of no where and they refused to respond.
I have attached a copy of the validation letter I sent to the company below that the company refused to respond to. this isn't my account can you please help me get this company to obey the law It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe, please COMPLETELY document and verify the debt, in which you reference to the above account. In regards to this alleged debt, I am sending this letter to request the following documented information from your company : I would like this agency to provide me with the following information in accordance with the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] 1. ) The original or certified copy ( NOT a photocopy ) of the parse syntax grammar document contract signed by the authorized representative of your agency and autographed by myself, that each individual entered into knowingly, intelligently, with full disclosure, and with a meeting of the minds saying that I owe you or your agency payment of this alleged debt, with both your agencies authorized representatives wet ink signature and my wet ink signature.
2. ) Proof that this debt has not been wrote off to an insurance company and claimed as a business loss and redeemed through an insurance claim by the original creditor.
3. ) Proof that this debt has not been sold to your agency for a lesser amount, and if so the amount your company purchased the alleged debt for.
4. ) Your agencies license to lawfully and legally collect debt in the state of TEXAS and provide me with your agencies license number.
5. ) Validation of the alleged debt ( the actual accounting showing a loss to your agency ) and the CUSIP number of the alleged debt along with a copy of a completed XXXX and Total Amount Due statement.
6. ) Verification of your agencies claim against me ( either a sworn affidavit or a hand-signed invoice ) 7. ) The original or a true and certified copy ( NOT a photocopy ) of the Original Note or Promissory Note ( Credit Agreement ) under penalty of perjury, that I have with your agency showing my agreement to pay to your company this alleged debt.
8. ) The name of the authorized representative from your agency who has carried out due diligence and what actions s/he has taken in regards to this alleged debt.
9. ) The contract between your agency and the original alleged creditor saying they gave your agency authority to collect the alleged debt with both agencies authorized representatives wet ink signature.
10. ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or proof I was given FULL disclosure of any contract signed between your agency and the alleged creditor.
11. ) Also, pursuant to P.L. 93579, Approved XX/XX/XXXX 1974 ( 88 Stat. 1896 ) Privacy Act of 1974 SEC. 7. [ 5 U.S.C. 552a note ] " ( b ) Any Federal, State, or local government agency which requests an individual to disclose his/her social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. '' I, hereby demand FULL disclosure of why the social security number assigned to me is used by this agency and what the purpose is this agency uses the social security number.
12. ) The process of how your agency calculated in the fees and interest attached to the alleged debt, if any, and the proof of where I agreed to pay such fees and interest.
13. ) Proof the Statute of Limitations has not expired on this account.
14. ) Verification, if any, that your agency did or did not purchase alleged debt from another debt collection agency.
15. ) Verification, if any, of tax deductions and/or tax-write offs made by your agency or any alleged creditor in regards to this alleged debt.
16. ) Any derogatory reports made by your agency to any credit bureau agency.
17. ) Verify that there is available lawful money to actually pay alleged debt as per the Constitution for the United States, Article 1 section 10 Clause 1.
18. ) If the original creditor is a government agency, ( i.e. County, state, municipal court ) please provide proof that they are following their oath of office to uphold the Constitution for the United States of America by only asking for gold or silver coin for payment of this debt as per Article 1 section 10 Clause 1 of the Organic Constitution for the United States of America.
19. ) Please send me information on my common law remedy to lawfully pay this alleged debt if found that I do lawfully owe any debt to your agency, and my remedy to lawfully pay this debt.
20. ) Please send me any verification that Federal Reserve Notes is lawful money that can be used to actually pay off this alleged debt.
Please be advised, if your agency has reported invalidated information to any of the major Credit Bureaus, said action might constitute fraud under TEAXS Federal and State Laws. If any negative marks are found on any of my credit reports by your agency, this may result in a legal action against you or your agency for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Also, if your agency continues to attempt to collect any alleged debt, that I do not legally or lawfully owe to your agency that could constitute as : Violation of U.S.C. title 18 Section 872 ; attempts to extort Violation of U.S.C. title 18 Section 1341, 1342 ; Fraud and swindles, use of fictitious names through postal services ( Addressing alleged debtor by improperly spelled name/ALL CAPITAL ) NOTICE TO CEASE AND DESIST : Notice is hereby given that, until your agency can provide ALL requested documentation and information to validate this alleged debt, your agency must cease and desist from any further collection activities on this alleged debt in accordance with the Fair Debt Collection Practices Act laws of your United States Codes.
If and when your agency provides me with ALL of the information requested above, I will require at least 30 days to investigate and verify ALL information provided.
NOTICE : The use of any statutes, codes, rules, or regulations by this alleged debtor, shall not be construed by your agency or any other person ( s ) or agencies that alleged debtor has submitted to, or entered into any jurisdiction of any agency or other person ( s ).
I do not give your agency consent to contact me by phone, I will be in contact with your agency only by mail.
If your agency can not produce all said information stated above and/or does not respond to this letter within 21 days, a dishonor has occurred and you agree to the following, 1. ) The alleged debt did not exist in the first place ; OR 2. ) The alleged debt has already been paid in full ; 3. ) There is not and never was a contract binding your agency and myself that was entered knowingly and intelligently stating I owe such alleged debt ; 4. ) Any negative remarks made to a credit reference agency in regards to this alleged debt will be immediately removed ; 5. ) You or your agency will no longer pursue this matter, you or your agency will offset the balance of this alleged debt to XXXX ( XXXX ) and close this account ; 6. ) I reserve the right to discharge this debt for an amount I believe is satisfactory for closing this account, the amount I send will be non-negotiable by your agency, you agree not to dishonor and refuse payment, you agree to accept for value the amount paid unto you to close this account, ONLY if your company can produce the information requested above ; 7. ) You or your agency agree to pay all fees and interest ; 8. ) Any liens against alleged debtor will be removed immediately and verification of removal will be sent to alleged debtor notifying alleged debtor of removal.
No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE WITHOUT RECOURSE
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| 01/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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***This is not about improper notification of the lawsuit. This is about the initiation and conduct of the lawsuit. I stipulate that I did receive proper service, but there's no category for improper filing of the lawsuit. *** Portfolio Recovery Associates violated sections V, VI, VIII, IX, and X of Consent Order In the Matter of Portfolio Recovery Associates, XXXX ( Hereafter Consent Order ), in the filing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, case number XXXX, in the Superior Court of California for the County of XXXX. Portfolios attorneys in this matter were XXXX XXXX XXXX ( Bar No. XXXX ) and XXXX XXXX XXXX ( Bar No. XXXX ), and their declarant / witness was XXXX XXXX. Relevant case documents and filings are attached.
1. On XX/XX/XXXX, Portfolio served me with a summons and complaint in Superior Court on a common count of account stated. This summons and complaint was accompanied only by 2 alleged billing statements and a brief statement claiming compliance with California Civil Code 1788.50 et seq.
This does not constitute compliance with section VI of the consent order, which prohibits making any representation, expressly or by implication, that a Consumer owes a Debt unless, at the time of making the representation, [ Portfolio ] can substantiate the representation. ( Consent Order, paragraph 116 ) Portfolio made no indication in their summons and complaint of any substantiation which would comply with the requirements of section VI of the Consent Order.
It is also a violation of section VIII of the Consent Order, which prohibits the initiation of a collection lawsuit without an intent to prove the debt, if contested.
2. On XX/XX/XXXX, I served a demand for production of documents, in accordance with applicable California laws regarding the discovery process. Portfolio made no response and disclosed no documentation. This is an ongoing violation of section VIII of the Consent Order, which permanently restrains and prohibits Portfolio from the initiation of a collection lawsuit without an intent to prove the debt, if contested.
3. On XX/XX/XXXX, I received a large packet of papers from Portfolio, including their trial brief, a declaration in lieu of personal testimony ( with several exhibits ) from a so-called records custodian, and their witness and evidence lists.
The declaration in lieu is a process whereby, in limited civil jurisdiction cases in the state of California, a declaration or affidavit may be used as testimony, so long as it complies with the requirements of Code of Civil Procedure sections 98 and 2015.5. It will be admissible to the extent that the testimony contained within it would be admissible were it delivered in person.
Compliance with CCP98 ( a ) requires that the declarant make themselves available for the 20 days prior to the trial at a current address within 150 miles of the courthouse for service of a subpoena. CCP2015.5 requires that the declaration be made under the penalty of perjury. The declarant offered the address of an uninvolved third-party law firm. Upon the attempt to serve a subpoena for personal appearance, nobody at that law firm knew who the declarant was. This constitutes a material misrepresentation, as an uninformed consumer would not know how to defend against such an affidavit and would likely assume that it was pointless to resist or would not know how to properly object. Additionally, in the event that a consumer makes no objection to the declaration in court, it will be accepted by a judge as admissible simply because it contains the appropriate statement of availability for service of process. It may also constitute perjury. This is a clear violation of section IX of the Consent Order.
The affidavit also contains statements that attached documentation relates to the specific Consumer being sued when that is not the case. ( Consent Order, paragraph 121b ) Specifically, declarants exhibit A, the terms and conditions. It is described at one part of the declaration as being a true and correct copy of the terms and conditions in effect for the case at issue, and in another location the declarant states that its a photocopy produced for the purposes of the declaration because the original is not available. In reality, the agreement produced by the declarant bears a copyright date a year after the account was opened. This is a clear violation of section IX of the Consent Order.
The balance of the declaration offered by Portfolio is, almost word for word, the same boilerplate declaration condemned in the Consent Order in paragraphs 49-55, 74, and 102. It is, in its entirety, materially false, misleading, and constitutes a deceptive act or practice in violation of the CFPA and the FDCPA. The declaration as a whole is inadmissible as evidence, and constitutes a violation of sections V, IX and X of the Consent Order.
4. Portfolio offered as evidence numerous documents which, individually and severally, fail to comply with the terms of the consent order. Additionally, the documents are inadmissible as evidence under California state law.
The bill of sale offered into evidence in exhibit B to the declaration contains no indication of what accounts were part of the sale, and it does not contain a meaningful and effective warranty. In fact, it explicitly disclaims all warranties, except as provided for in the forward flow purchase agreement. Portfolio, however, refused to show that agreement, claiming that it contains confidential and proprietary information. The bill of sale also fails to meet a business record exception to the hearsay rule under Cal. Ev. C. 1271. Any references to any specifics of the accounts transferred under this bill of sale were redacted. This is a violation of paragraph 119c of the Consent Order.
The affidavit of sale, likewise, does not contain any reference to the specific accounts transferred. It is not a business record and can not find an exception to the hearsay rule under Cal. Ev. C. 1271. Additionally, as an affidavit it is automatically hearsay in California courts, unless it complies with CCP 98 and CCP 2015.5, which this one does not.
The so-called sale file can not find a 1271 exception to the hearsay rule. It can not be authenticated even as a record of any sort, and shows no indication that it was any kind of attachment to the bill of sale. ( Additionally, it contains incorrect personal information used to identify me, and that raises its own set of issues. ) The statements attached to the declaration as exhibits C and D similarly can not find any 1271 exception, and are likewise hearsay.
This presentation of unauthenticated hearsay documents clearly demonstrates Portfolios lack of intent to prove the debt, if contested. The declarant that Portfolio offers is incapable under California law of providing any authentication which might conceivably have any chance of making these documents admissible. This misrepresentation of evidence is material because, if a consumer is not aware of the details of the laws surrounding the admissibility of evidence in California, he or she might not know to object to this evidence on specific grounds, and the judge would then accept the evidence offered as genuine and admissible. This represents a clear violation of sections V, VI, VIII, IX and X of the Consent Order.
On XX/XX/XXXX, Portfolios counsel offered to dismiss the suit with prejudice, in exchange for a mutual release of claims. Specifically, I would be required to release them from any liability under the CFPA and the FDCPA. This release was, according to Portfolios counsel, because their declarant would not be available for appearance at the trial. This is a false representation : Portfolios trial witness list indicates that the declarant would be appearing by written testimony, and not in person. The unavailability of the witness for a personal appearance is irrelevant, and is a violation of sections V and X of the Consent Order.
On XX/XX/XXXX, Portfolios counsel represented to me via email that the Consent Order was not applicable to the alleged account at issue, and therefore that Portfolio was not in violation of the Consent Order. This is plainly not the case, as Portfolio acquired that account after the effective date of the Consent Order. This is a false representation, intended to discourage me from exercising my rights under the CFPA and FDCPA against Portfolio. It is a clear violation of sections V and X of the Consent Order. These emails form exhibit A to file XXXX XXXX XXXX - Defendant 's Declaration in Support of Opposition to Dismissal.pdf.
OnXX/XX/XXXX, Portfolio dismissed the case without prejudice, with the clear indication being that they intend to continue pursuing me. This is the ultimate expression of their violation of section VIII of the Consent Order : they filed a lawsuit and truly had no intention of ever actually proving the debt.
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| 01/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX VA XXXX RE : Alleged Account of Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing that the debt, or any portion thereof, is disputed,, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, and a copy of such verification or judgment is mailed to the consumer by the debt collector. It would be advisable that you and your client assure that your records are in order before you filed legal action.
809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment and a copy of such verification or judgment is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Portfolio Recovery Associates is in Violation of my FDCPA rights by continuing to pursue legal action against me even though I continued to dispute this debt and advised them that this debt is fraudulent. Per FDCPA 809 ( B ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, and a copy of such verification or judgment is mailed to the consumer by the debt collector. My first and last name and the last four of my SSN is not Validation. Portfolio Recovery is not able to provide ALL documents listed below.
CREDITOR/DEBT COLLECTOR DECLARATION : Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : I have disputed this fraudulent debt in writing, you must obtain verification of the debt or a copy of the judgment against me, because you failed to produce these items for verification before you took legal action you are in violation of my FDCPA rights, I XXXX XXXX, the consumer was still disputing this fraudulent account until XX/XX/2020 after Portfolio Recovery Associates LLC filed a lawsuit against me on XX/XX/2020. Any attempt to collect this debt without validating it, violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company. I have disputed this debt, therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.
811. Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
Portfolio Recovery is in Violation of FDCPA section 811 by filing legal action against me without providing a signed application or contract of which the debt collector is suing for.
PER NRS97A.160Records required in action to collect debt : Establishment of liability and amount ; authentication ; retention.
1.Notwithstanding the provisions of chapter 52 of NRS, in any action brought to collect a debt owed to an issuer : ( a ) The issuer may establish that the cardholder is contractually liable for the debt owed by submitting the written application for a credit card account submitted to the issuer by the cardholder Per NRS 97A 150 3.Any person, other than the cardholder or an authorized user, is liable for all charges the person incurs on the credit card account of the cardholder, except for the amount for which the cardholder is liable pursuant to 15 U.S.C. 1643.
4.Any person who causes an issuer to open a credit card account based on a false or fraudulent application is liable to the issuer for all charges incurred on the account, without regard to whether the charges were authorized by the person responsible for opening the account.
Per FCRA, All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Therefore, I the consumer advised Portfolio Recovery Associates that this is not my account and the account is in fact Fraudulent. Portfolio Recovery Associates is required to provide a written agreement, application or contract signed by me, proving I obtained this credit card.
813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per cent of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs.
Therefore, Portfolio Recovery Associates LLC is in Violation of my FDCPA rights I am entitled to sue for damages and unlawful and unethical practices.
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| 12/21/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Portfolio recovery services- debt not mines and was not validated properly with my drivers license and signature, also no contract. Delete debt thats not mines. Reporting debt from capital one when they have an account open?
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX and XXXX is harassing me for a debt that is not mine. I have disputed this with them and they sent a response back filled with lies.
I am rejecting their response because it contains lies and does not contain 100 % truth.
Thank you for responding XXXX. Your company did send me 3 letters for 3 different alleged accounts dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The importance of these will come into play shortly. 2 of your dates are correct, 1 is not. I have all the original letters.
The original letter I received addressed me as, " Dear Sir or Madam ''. Your company threatened to sue and get a judgement against me. I disputed these 3 accounts with your company within the first 30 days of receipt. In my first letter I sent to your company I stated " I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this debt if it turns out to be mine. '' Your client Portfolio Recovery Associates has been known to sue the wrong people. ( XXXX XXXX vs Portfolio ). XXXX won a six figure judgement from Portfolio Recovery for not properly investigating her disputes. She had to hire a lawyer who discovered the account belong to someone with a similar name. Because Portfolio has a history of not investigating consumer disputes, The Consumer Financial Protection Bureau signed a consent order against them in XX/XX/XXXX, requiring them to provide a Authentic Bill of Sale, with a specific reference to the alleged consumers account. The one I have been provided is generic and contains no specific reference.
You claim your company has provided me verification. I have never received any proof your company or Portfolio Recovery owns this debt and that this debt is mine. I have requested a Chain of Title, Assignment, Consideration for the assignment, A signed Contract, Bill of sale which references me. I have received zero of these items. If I was claiming you owed me money, and you had no knowledge of the debt, wouldn't you want proof as well? These items are required in the court of law and in the Illinois Collection Agency Act. You call this a laundry list?? Please explain.
I did receive a handful of photo copied statements and terms to a contract with no signature on it. Who do the terms belong to? For the statements I requested signed merchant receipts or proof I used this card or had any knowledge of these accounts. I have received nothing.
After I sent my first Letter to your company, the 2nd letter you sent back on XX/XX/XXXX says, " Dear Sir or Madam ''. That right there lets me know that know one has looked into my disputes.
For your opening remarks on your response to this complaint. You state " As support XXXX XXXX alleges that XXXX XXXX is not reporting the accounts on his credit report and that XXXX XXXX has an internal policy which only allows for 2 credit cards per consumer. '' You are correct. XXXX XXXX is not listing these 3 alleged accounts on my credit report. If they were on there, you would have provided proof of such. Negative information stays on one 's credit for 7 years. That is a fact. And XXXX XXXX does have a policy of limiting consumers to 2 directly issued cards. They have had that policy since XX/XX/XXXX. Which I sent you proof of that claim. You never mention if you called XXXX XXXX and verified or disproved me?? You never mention if these alleged 3 accounts are on my credit reports by XXXX XXXX? I have proof they are not. Can you provide proof of your claims?
I have no records of these accounts, nor do the 3 major Credit Bureau 's. Your company hasn't provided me any proper documentation on your alleged claims.
As far as your licensing requirements, you are not acting as a Law Firm in XXXX County, IL. Many other markets as well. Please provide me 1 case your firm as taken in this county that doesn't involve debt collection. I have documented evidence your company turns down jobs here if they are not debt collection related. And your web site states you practice that area of law. You are a 100 % a debt collection agency.
You state that the letter you received from me on XX/XX/XXXX, was now stating I was alleging identity theft. You are being dishonest XXXX. My first letter and 2nd letter both state that I have no knowledge of these accounts and " I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. My 2nd letter also states that I will conditionally agree to pay this debt, if it turns out to be mine.
You did send me a fraud investigation form. And in my 3rd letter to you I told your company, " until you provide me with documentation of your claims. I would have no way of knowing if this is an error, similar name issue, or identity theft. I would be more than happy to fill out any forms you need. But I need proof these are my accounts, that Portfolio owns this alleged debt, and I need to see if someone has forged my signature. Or if you have the wrong person etc. I don't appreciate the picture you are trying to paint of this matter.
I have everything documented and can back up 100 % of what I say.
Your company and Portfolio Recovery do have multiple violations against you. That is a true statement.
You stated that I wrote to your company saying the alleged accounts are invalid for collection. I have never once said that. I have never used the word rendered, rendering, or stated invalid for collection. Please provide me proof of this letter? I have copies of what I sent your company, and emailed Identical copies the same day. So if a situation like this presented itself, I would be able to show the truth.
You further state, I am now claiming Identity theft. Read my first letter. It states that exact same thing as my 2nd and 3rd letter. Nothing has changed. Please provide me proof of your claims on this statement?
Finally you state this account is on hold pending a resolution of the allegations. If you have already verified theses alleged accounts like you claim, why would this lawsuit be put on hold?? That does not make sense.
My 4th and final written letter to your company and to Portfolio Recovery states '' I would like you to move forward with your threats of a lawsuit/judgement. I request that you file suit on or before XX/XX/XXXX. Otherwise I will conclude that you have threatened a lawsuit and you weren't capable of following thru. And if you do file suit and it is dismissed by you after my request for Production and subpoena 's. Or it is dismissed for failure to adhere to the Illinois Collection Agency Act. I will conclude you had no intention to prove this debt if I contested it. '' I never said this debt was un-collectable, I never changed my statement to later add Identity theft. Your company has violated the FDCPA laws. That is a fact. Portfolio Recovery has violated a consent order from the CFPB. That is a fact.
Your company and Portfolio Recovery have been notified of your harassment abuse towards me. After my 4th and final written letter to both companies, I received letters from Portfolio Recovery from XX/XX/XXXXt thru XX/XX/XXXX. Over a course of 4 days. I received 21 letters from them. With many of them duplicates of each other and all of them generic responses that I have already received in the past. Out of the 21 letters there was not 1 unique letter or new piece of evidence provided to me. ( I previously stated it was 19 letters, I found 2 other letters in between a folder. I have probably around 80 total letters, and I apologize for stating 19. It is 21 letters from Portfolio Recovery over a course of 4 days.
And XXXX, your company did send me a letter on my birthday, XX/XX/XXXX threatening to sue and get a judgement against me.
I realize they were sent with the intent to annoy, abuse, and harass me. You have destroyed my credit, given me intentional infliction of XXXX XXXX, defamation of character, slander, economic loss, XXXX XXXX, XXXX XXXX XXXX, inability to sleep well at night, reduced work performance, and I have suffered humiliation.
I want your company to move forward with your threats of a lawsuit. You do not have the option of putting this on hold. You can't just now begin to investigate my disputes. It is too late for that. Too much damage has been done.
Sincerely, XXXX XXXX
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am told not to include any personal information such as my name address Social Security number etc. so I will provide all of that on the letters to the collection agencies and to the credit companies. I am writing in reference to not only all three of the credit reporting agencies XXXX XXXX, XXXX, and the most rude and ignorant one XXXX. I am also writing in reference to portfolio recovery services and the original creditor is XXXX XXXX who sold the debt to portfolio recovery services.
Not only have I been disputing this, battling this, and also have done a report with your company as well before but I have been dealing with XXXX and XXXX for the past two years trying to get help and get these things resolved it off of my credit report. Portfolio recovery services will not respond and does not listen or adhere to the notarized statement I sent them letting them know that I did not open up this fraudulent account in XXXX nor did I default on this fraudulent account that was sold to them in XXXX. This fraudulent account is now twice on all of my credit reports under portfolio recovery services original creditor XXXX XXXX. I will listed below I am done going through this I will not keep disputing this and sending them the proper information they request when they know that this is fraudulent and I have done everything Im supposed to do not only with the credit companies But also with the original grantor XXXX XXXX as well as the buying debt collector portfolio recovery services.
So now Im doing everything I have to including hiring the attorney and I will be collecting on these companies if they do not take the proper action to resolve this this is very unfair in XXXX to XXXX I was in XXXX in a state XXXX that is on paper and that I do not have to provide that information based on my HIPAA laws. However I have no problem providing the information because I have nothing to hide and it is proof that I did not open up the original accounts by XXXX XXXX in XXXX. Not only are the accounts being reported on my credit report but they are also being reported in accurately as open which they have been closed obviously and bought out by the debt collector portfolio recovery services.
So like I said XXXX and XXXX still have these two negative and fraudulent accounts on the credit reports and will not remove them. This month XX/XX/XXXX I sent the notarized statements and letters stating that I was indeed in XXXX when these false accounts were opened and that I was disputing this information once again and that I was reporting this not only to the consumer financial protection bureau but also the federal trade commission and XXXX XXXX XXXX XXXX. Im done dealing with this and would like something done immediately not only with portfolio recovery services but with XXXX and XXXX I am complaining on these companies right here.
On XXXX report Portfolio recovery services Act number XXXX is beginning only shows beginning Account # -Original creditor XXXX XXXX they open XX/XX/XXXX which is a lie the original debt was opened in XXXX by XXXX XXXX XXXX at an address that I had never lived that. It says that the balance is {$650.00} that the terms are one month and that this is seriously past due assigned to attorney and collection agency number one this information is an accurate the original opening was XXXX the date open by portfolio recovery services was XX/XX/XXXX of XXXX Also on XXXX the report portfolio recovery services account number XXXX Original creditor XXXX XXXX account type that buyer date open XX/XX/XXXX that must be the date portfolio recovery association bought it because this debt was also open in XXXX by a fraudulent person at an address that I have never lived at. It is also reporting a balance of {$830.00} Saying that the terms are one month and nothing else so obviously it is being reported in accurately as well because this account is not opened and this is a fraudulent account and this is the second item portfolio recovery Association has on my XXXX credit report and they will not get rid of it or help me and I recently sent them everything they needed to know XXXX Credit Report No one XXXX report this is horrible because it says no account number it just says portfolio recovery a original creditor XXXX XXXX XXXX account type open account right there that is a lie this account is not open the date opened it says XX/XX/XXXX balance is {$830.00} and responsibility individual account collection account this is reported in accurately this is a fraudulent account opened up by XXXX XXXX in XXXX at an address that I have never lived that. And it is also being reported as open which is a lie. This is on XXXX this is the first portfolio recovery account with no account number it just says XXXX XXXX Account on XXXX is also by portfolio recovery a with the original creditor is XXXX XXXX XXXX XXXX with no account number it has the account number aS XXXX this also says account type is open accounts which is an accurate and a lie because this account could not be open if it was bought from XXXX XXXX by a debt collector. It says date open XX/XX/XXXX with a balance of {$650.00} individual account collection account. This is in accurate and this fraud. It has been open fraudulently via XXXX XXXX XXXX in XXXX by a fraudulent person at an address that I never lived. I have also mentioned this numerous times and recently sent XXXX a report that was notarized letting them know that I was in XXXX from XXXX to XXXX which violates my XXXX laws by even telling them that and that I want this removed immediately I have also reached out to portfolio recovery services numerous times I would also like to know the XXXX XXXX once they had received my information and took both of these portfolio recovery associates and accounts off of my XXXX XXXX credit report immediately and I think that XXXX and XXXX should immediately do the same before I further my investigation.
I have provided all of the information needed I have reached out to portfolio recovery Association I have reached out to XXXX XXXX and I have reached out to XXXX and XXXX regarding these fraudulent and in accurately reported accounts on my consumer credit reports and it has been going on for two years and they are not providing me with any help or any feedback and they know that these are fraudulent and I am so not OK with this and I need you to immediately do something not only will portfolio recovery services not do anything and they keep validating the stats but so will XXXX and XXXX not do anything this is not fair.
I also Im stating that I do not what I repeat I do not want any security alerts or security freezes on any of my credit reports. It is now XXXX I have been fighting with that since I learned of it in XXXX when I came home from XXXX and started receiving letters at my address which I have been out for the past 10 years. I have been at The address that I am not allowed to say for the past 10 years and I have also told XXXX and XXXX that. And portfolio recovery services the original address by which the original XXXX XXXX XXXX issued these credit to was never my address or never known address for me and was around the time when I was in XXXX for XXXX XXXX years.
I learned of this fraudulent activity when I came home and started receiving mail at my current address that I had had all of my life. I am not going to keep repeating myself I want something done about this immediately I will be filing separate reports with separate companies and I am letting you know that I will not stop until this is revolved I have done everything youve said and not put any personal information in this letter as well as included every date amount an action that was taken by myself and my company. I also have let you know with the companies have done and what they have not done and that I have reached out to them on numerous times. Ive also watched diligently what I put in this letter so please please take every information seriously and submit this as soon as possible because I know I have followed every rule. I do not know how you can correlate these fraudulent accounts to me if I do not put my personal information in this letter but Im following the rules and immediately went to XXXX and XXXX and portfolio recovery services to know that this is being handled and we are not stopping thank you so much.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
A review of my credit report in the early part of XX/XX/XXXX showed Portfolio Recovery Associates LLC ( PRA ) had been reporting two seperate collection accounts to the credit bureaus since XXXX. XXXX XXXX indicated the original creditor as XXXX XXXX XXXX XXXX, the seller as XXXX XXXX XXXX ( USA ), and PRA as the owner of the debt. I contacted PRA, notify them that I was never informed that the debt existed, and at these accounts were not mine requesting them to remove their trade lines. PRA refused to do so saying they purchased the debt. I opened is dispute with PRA the question they provide me verification and validation of the debt, specifically since it was a credit card debt the agreement with the original creditor XXXX XXXX XXXX XXXX that bared my signature where an I agree to open these accounts and to pay the original creditor this alleged debt. And because they alledge they purchased this debt from XXXX XXXX ( not the original creditor ) I requested the date it was purchased, the amount it was purchased for, and documentation conferring authority from XXXX XXXX to XXXX XXXX, and from XXXX XXXX to PRA to collect this alleged debt. PRA responded by telling me they had opened the dispute, and would respond via u.s post, but refused to stop reporting to the credit reporting agencies. In addition I open disputes with the credit reporting agency. Because time is of the essence, and I believe the by mail process would be extremely slow, and I needed my credit report cleared as quickly as possible so that I could obtain housing for my family after suffering the consequences of hurricane Michael I attempted to negotiate with PRA via email correspondence. On XX/XX/XXXX I sent PRA via email a letter which clearly stated that the correspondence was not an acknowledgement or acceptance of the debt. That neither verification or validation of the debt from PRA had been provided to me. Yet in an attempt to save myself time and effort I would settle the debt if they agree to remove their trade lines. Again money was not an issue, what was an issue is this bad credit reporting kept me from being eligible provide housing. I received no response to that correspondence. I received correspondence from PRA dated XX/XX/XXXX, which stated we have completed our investigation of your dispute concerning this account. PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. The attached document appear to be photocopies of XXXX XXXX credit card statements dated in XXXX. I received a second correspondence from PRA dated XX/XX/XXXX for the second account. Is stated the same thing, inclosed what appeared to be photocopies of XXXX XXXX credit card statements for the second account number. Items of note : both accounts reported to be opened on the exact same day. The photocopy statement sent to me for each account were for the exact same billing periods day for day. Each set that they sent me we're missing the exact same billing periods ( the attachments were for XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX. During the five month report periods they did not include the debt on each of these alleged accounts were raised by hundreds of dollars. They did not provide any documentation that bared my signature or indicated in any way I agree to open these accounts or pay any debt that arose from these accounts. Nor did they provide me any documents confirming their authority to collect this debt. I again contacted PRA. I told them simply putting my name on a photocopy of a credit card bill and no way constitutes validation of a debt. in addition they provided me validation documentation conferring authority to collect this alleged debt. I informed them that their activities of reporting to the credit reporting agencies was a debt collection activity and that they had not validated the debt it should not be reporting this alleged debt and if they couldn't provide documentation they needed to stop immediately. They responded they were not going to do that. I receive correspondence on XX/XX/XXXX from PRA. The correspondence was on their letterhead, and was response to my request for documentation conferring authority to collect these alleged debts. I received on for each account they were attempting to collect. They stated the accounts and its proceeds were sold, assigned and transferred by the Seller to PRA, LLC on XX/XX/XXXX. At the time of sale, Seller provided an electronic file of its business records containing information concerning the account ; a summary of which can be found below. please contact us if you would like to receive a payment history of payments that have posted to this account since our company purchased this account. The summery provides account holders name provided by seller : XXXX XXXX XXXX, account holders last 4 digits of SSN ( I did not include ), and date account open provided by seller XX/XX/XXXX. A document on their own letterhead stating that someone sold debt is not a conveyance nor does it convert authority to collect the alleged debt. apparently they're not required to provide the credit reporting agencies any proof of debt beyond their own word. I can't prove something doesn't exist to prove my objection, and apparently they're not required to prove anything before they can XXXX my credit and cause tremendous suffering and hardship for my family. I was poised to fight I reviewed all of my credit reports again trying to remember any accounts with XXXX or XXXX XXXX. What I found in my XXXX credit report only furthered my belief that PRA debt collection practices we're not only unethical but may also be fraud. The report shows the following - XXXX XXXX for the account beginning XXXX made the following trade line entry on my XXXX report in XXXX of XXXX. Account XXXXxxxxxx, date opened : XX/XX/XXXX ; Date closed : XX/XX/XXXX. Last updated : XX/XX/XXXX. Past due : XXXX ; Highest Balance : {$1100.00}. Remarks : Card lost or stolen. So it seems that PRA is collecting a debt that doesn't actually exist, but they are using an old account number, and an old high balance amount ( jumbeled just enough ) as the amount owed, an account that was closed in XXXX, asserting they purchased it in XXXX. Still I can't prove something does not exist. Time is crucial, camping is fun, but living in a tent is not. I contact PRA on XX/XX/XXXX. I make an agreement to pay the fraudulent debt in return for them removing their tradelines from my credit reports, all three credit reporting agencies. They agree on a settlement amount, accept my bank account number, and I authorized the transactions. PRA tells me they will hold the account open for 10 days waiting for the funds to clear, after they have received the payment within 30 days they will remove they're tradelines through the three credit reporting agencies. XX/XX/XXXX, Portfolio Recovery Associates via ACH withdrawal received payment as agreed to from my bank for both accounts. XX/XX/XXXX my credit report remains as it did prior to them receiving the funds. XX/XX/XXXX ( today ) PRA making you entry do the credit reporting agency onto my credit report. Although they have received the funds as agreed upon through ACH transfer from a Federal credit Union to delete their tradelines. They instead report that I made a payment, and that the debt balance on these accounts is now reported as the difference between what they alleged was owed and what they agreed to accept as a settlement payment from me. So now, although PRA has received my funds as agreed too, they have decided to restart the statue of limitations date for collecting this alleged debt, and make false reports to the credit reporting agencies that I still owe a debt to them as of today. Once a debt is paid as agreed that debt is paid. Because I find PRA to be both lacking business ethics as well as not being held accountable for their actions, I have no reason to believe that they are not attempting to assert that a portion of the debt remains as not paid, and potentially trying to sell that debt to another debt buyer. Which would cause even more hardship for me and my family. This entry into my credit report stating that I owe any money to PRA is a fraudulent entry, and can be seen no other way. It was neither necessary nor is it acceptable.
|
| 10/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
In XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC informing me that they have an account in their offices under my social security number and requested that I pay the full amount {$700.00} within the next 30 days or they will bring legal judgement against me. This was the first time that I request validation of this debt made pursuant to the Fair Debt Collection, and the Fair Credit Reporting Act, along with the corresponding local state laws. I inform them ( PORTFOLIO RECOVERY ASSOCIATES, LLC ) that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them ( PORTFOLIO RECOVERY ASSOCIATES, LLC ) this debt or any other debt under my social security number. Additionally, I REQUEST THAT THEY SEND ME THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH PERSON WHO PERSONALLY VERIFIED THIS ALLEGED ACCOUNT, SO THAT I CAN INQUIRE ABOUT HOW THEY VERIFIED WITHOUT PROVIDING ANY PROOF, BEARING MY SIGNATURE. This was the beginning of a long battle to clear up a problem with this company. After my first request, I did not receive the requested information in XXXX, XXXX and now in XXXX, but this account STILL remains on my credit report as of today XX/XX/XXXX.
After several attempts ( by sending registered letters and contacting them by phone ) with disputing this account, I have yet to receive the validation that I was requesting for this debt. Instead, I got proof that they ( PORTFOLIO RECOVERY ASSOCIATES, LLC ) purchased this debt on XX/XX/XXXX and a printout of previous year 's statement ( s ) from the original creditor, and this is what they consider as proof of validation of this and all debts. Now, after trying to get this account validate or removed from my credit report ( s ), PORTFOLIO RECOVERY ASSOCIATES, LLC refused to remove this unverified account from my credit report.
On XX/XX/XXXX, I contacted Portfolio Recovery Associates, LLC at XXXX and I spoke with XXXX XXXX ( dispute department ), and request that this account be removed from my credit report ( s ) since they did not send me the requested documents proving that this account was validated. I asked Ms. XXXX if she understood the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 6 ) and ( 7 ) and she said that she did know the FCRA rules. I then stated to Ms. XXXX Since she was knowledgeable of these rules/polices and she understood this policies, then she should know that the documents that was sent to me did not establish Validation of a debt nor was it proof enough to verify this debt. I inform Ms. XXXX that documents that was sent to me, only establish that her company purchased this debt from the original creditor, and that per ( FTC option letter from ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL AND OR PROOF OF ACQUISITION OF A DEBT AND ITEMIZED DOCUMENTS ) does not, and can not constitute as VERIFICATION AND OR VALIDATION OF ANY DEBTS. I was told by Ms. XXXX that the documents that was sent to me ( a letter saying that they acquired this debt on XX/XX/XXXX AND previous years ' credit card statements from the original creditor ) was VALIDATION ENOUGH for them to verify that this debt is mine and that they will not remove this account from my credit report ( s ). I even ask Ms. XXXX if she knew about the CDIA ( Consumer Data Industry Association ) new laws for collection agencies, where collection agencies can no longer report any debts that WAS NOT the result of a contract or agreement to pay, but she did not REPLY TO THIS QUESTION, but she continue to say that this account was verified and it will not be removed from my credit report.
On XX/XX/XXXX, I received two letters dated XX/XX/XXXX, one said the same as the previous ones stating that this account was assigned and transferred by the seller to PORTFOLIO RECOVERY ASSOCIATES, LLC on XX/XX/XXXX. The other letter stated that : SINCE I DID NOT SEND THEM REQUESTED DOCUMENTS THAT THEY CLOSED THIS DISPUTE!!! I called PORTFOLIO RECOVERY ASSOCIATES, LLC again at XXXX on XX/XX/XXXX and spoke with XXXX XXXX to ask about the closing of this dispute. I was told that they sent a letter on XX/XX/XXXX requesting additional information from me ( WOW, REALLY?? ) I informed Ms. XXXX that I never received this letter but I did receive their letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and NOT ONE of these letters requested any ADDITIONAL INFORMATION FROM ME!!! I also informed Ms. XXXX that in response to the XX/XX/XXXX & XX/XX/XXXX letters, I emailed them my request for VALIDATION OF THIS DEBT to their ( Disputes E-Mail Address : [ PORTFOLIO RECOVERY ASSOCIATES, XXXX ] ) on XX/XX/XXXX and she acknowledge that they did receive my email, but they still CLOSED THIS DISPUTE. At that time, I ask MsXXXX XXXX if closing this dispute meant that they ( Portfolio Recovery Associates ) will be removing this INACCURATE, UNVERIFIABLE AND/OR UNFAIR ITEM from my credit report and she said NO this account will remain on my credit report and they will continue to collect on this account. One point I wanted to make with Ms. XXXX was ; how is it that Portfolio Recovery Associates sent a letter to me on the XXXX of XXXX requesting additional information but on the XXXX of XXXX. Portfolio Recovery Associates can closed this dispute because I did not send THAT ADDITIONAL INFORMATION? I did not get a reply to that statement. I also informed Ms. XXXX that when I received the two letters dated XXXX XXXX, XXXX & XXXX XXXX I replied to them by sending my email to their dispute department on XXXX, XXXX, XXXX ( that she acknowledge that they did receive ) and sent a Certified letter on the XXXX of XXXX ( all within the 30 days window ) but they can say that they sent me a letter ( requesting addition information for this dispute ) on the XXXX of XXXX and on the XXXX of XXXX close this dispute because I did not send THEM the requested information. SO, I GET LESS THAN A DAY TO RESPOND TO THEIR REQUEST BUT I HAVE TO ALLOW THEM 30 DAYS TO RESPOND TO MY REQUEST!!!!
I dont understand how this collection agency ( Portfolio Recovery Associates ) can put any INACCURATE, UNVERIFIABLE OR UNFAIR ITEM on my credit report ( s ) ( without a contract or agreement to pay ) and when I request VALIDATION OF THIS DEBT they can say it was VERIFIED ( without proof ) and keep it on my credit report. How could Portfolio Recovery Associates, violated the FCRA and FDCPA laws by
THEIR willful non-compliance to these laws, by refusing to remove this unverified item from my credit report, as well as : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) AND Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), by keeping this INACCURATE, UNVERIFIED AND NON VALIDATED ITEM ON MY CREDIT REPORT ( S )!! I have also tried to dispute this account with all three of the credit bureaus ( XXXX, XXXX and XXXX ) but they all said that the y can not remove this INACCURATE, UNVERIFIED AND NON VALIDATED ITEM ON MY CREDIT REPORTS because they stated that PORTFOLIO RECOVERY ASSOCIATES, LLC., said that this was verified as accurate!!! HOW?!!! I HAVE REPEATEDLY ASK PORTFOLIO RECOVERY ASSOCIATES, LLC, XXXX, XXXX AND XXXX TO DELETE THIS INACCURATE, UNVERIFIED AND NON VALIDATED ITEM FROM MY CREDIT REPORT BUT THEY ALL REFUSE!!!! HOW IT THAT ALL FOUR OF THESE BUSINESSES
ARE ABLE TO VIOLATE THE LAWS THAT THEY ARE GOVERNED UNDER AND THERE IS NOTHING THAT CAN BE DONE ABOUT IT?
Also, I sent Certified Letters to Portfolio Recovery Associates, XXXX, XXXX and XXXX about this matter. USPS Tracking Information ( Portfolio Recovery Associates ) XXXX ( Tracking # ) Sent XX/XX/XXXX Received XX/XX/XXXX and on XXXX ( Tracking # ) Sent on XX/XX/XXXX & Received on XX/XX/XXXX and again on XX/XX/XXXX XXXX Sent XX/XX/XXXX & received XX/XX/XXXX Sent Certified Letter to XXXX ( XXXX ) Sent XXXXReceived XXXX XXXX ( XXXX ) Sent XXXXReceived XXXX XXXX ( XXXX ) Sent XXXXReceived XX/XX/XXXX
|
| 10/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX Credit Card changed contact law and did not non disclosure changes within a contract without consent never had a credit card named XXXX XXXX claim was disputed and validation was requested. This XXXX XXXX Credit Card contract with this company. violations '' '' This Agreement governed by, construed and enforced in ... or relating to this Agreement and agree not to commence any such lawsuit, action or other ... quotation marks omitted ] ) in the absence of " some violation of law or ... " CPLR 202 is a reenactment, without substantive change, of section 13 of State or local laws held to be preempted by federal law are void not because ... in a prior enactment conveying certain lands violated the Contracts Clause ( Art. I, 10 ). 4. ... .. held to violate of Art I, 10, prohibiting levy without consent of Congress . ... ... with the result that rights to consequential damages for a change of street ... Florida contact law right of due process was violated statutory, regulatory, and contractual requirements are not automatically ... for payment or approval to the Federal Government, 31 U. S. C. 3729 ( a ) ( 1 ) ( A )..
Licensees shall not engage in any of the following unfair trade practices :. statutory, regulatory, and contractual requirements are not automatically ... for payment or approval to the Federal Government, 31 U. S. C. 3729 ( a ) ( 1 ) ( A ). ... The First Circuit reversed in relevant part, holding that every ... that the nondisclosure of legal violations is not actionable absent a special duty violated the change issued findings in the agreement but did not do so with consent of disclosure violations identify any changes in Nondisclosure Violations in a Contract Claim. Portfolio Recovery LLC operating without a valid business proceeding is an assertion of a cause of action.individual who does not have a direct connection with a legal transaction but affected by accuracy, compliance, it. As third-party beneficiary is an individual for whose benefit a contract is created even though that person is a stranger to both the agreement and the consideration. Such an individual can usually. victim of improper third party disclosures by a debt collector. In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Court for violations of the FDCPA.Violating Confidentiality Agreements. Confidentiality agreements ( also called non-disclosure agreements, or NDAs ) are common in many different contexts, including litigation settlements, business transactions, employment contracts and intellectual property. Violating a contract, agreement, changes, without consent is a violation of any contract non disclosure violations in a contract claim that i didn't know existed.
The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any mea
ns of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
permission to release the specified information to the third party as shown below. Please note that various federal and state laws require that CPAs obtain the clients written permission in order to HIPAA privacy rules as well, Business Associates and Business Associate Subcontractors. These third party entities are responsible for protecting PHI and, with the Common Agency Provision in the HIPAA Omnibus Ruling, you are now responsible for your Business Associates HIPAA Compliance. Ask to see their Compliance Plans before allow them to sign those required Business Associate Agreements, dIdnt have a Business Associate Agreement in place before disclose information, you have a Breach Besides, 1 violations are the most serious conduct warranting disciplinary action including failure to comply with administrative procedures, protocols, I have never had an agreement with this credit card company named XXXX XXXX nor ANY contract associated with this Bank company. Portfolio Recovery LLC Refuse to provide third-party litigation financing agreements, but when the committee first addressed the issue at its Entity Name Officer/Registered Agent Registered Agent Name Trademark Name Trademark Owner Name FEI/EIN it noted that the field was evolving and chose not to act. to validate their business and any 3rd party contract with the account that they filed in the XXXX County Circuit Court are subject of complaint ; personal credit card Non-party disclosure Related ContentIn the context of civil litigation, disclosure of documents from a third party who is not involved in the proceedings. A party seeking an order for non-party disclosure will make an application under Civil Procedure Rule ( CPR ) 31.17.
The court only has jurisdiction to order non-party disclosure where the documents sought such as DATA BREACH EXPERIAN, IDENTY FRAUD MORTGAGE, CREDIT CARD FRAUD my accounts, have been the victim of improper third party disclosures by a debt collector. In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Court for violations of the FDCPA. It was never disclosed to me that I had a XXXX XXXX Credit Card provider of private label credit cards in the International Company purchase patterns. I would never agree to platforms of an international credit card. Breach of any contract i never signed up for.
Information used by sent by servers and their office employee 's and court personnel. Refused to identify in the course of a proceeding, or the Department of Justice ; behavior that antitrust laws prohibit discrimination in prices charged to competing purchasers for products of like grade and quality. Its purpose is to protect smaller businesses by limiting the large company 's ability to command discriminatory discounts through its purchasing power.An antitrust lawsuit can be started when a company is to have engaged in unfair business practices.Stolen Devices, Improper, Third Party without contract agreement data disclosure. Confidential impartial No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
with third parties as necessary to get information relevant to resolving a complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal my request on a valid business license and a release of Anti Trust elating to legislation preventing or controlling trusts or other monopolies, with the intention of promoting competition in business. with other federal or state agencies or regulatory authorities for enforcement and statutory purposes ; and antitrust violation is collusion. For example, three companies manufacture and sell widgets.
DAMAGED, Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
They charge {$1000.00}. Exposure HIPPA with contractors, agents, and others authorized by the CFPB to receive this information, bringing a lawsuit to court, by filing a plea. or which the bank had NO LEGAL RIGHT to Getting evidence from third parties Sherman Antitrust makes monopoly power illegal. Under the Sherman Act monopoly power is considered the ability of a business to control a price within its relevant product market or its geographic market or to exclude a competitor from doing business within its relevant product market or geographic market.
Detail By Document Number Zip Code Street Address
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( XXXX ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( XXXX ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( XXXX ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 05/25/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I send them a certified mail back in XXXX asking for the verification and proof of the debt USPS tracking XXXX Proof Claim and Debt Validation DATE : XX/XX/2023 PORTFOLIO # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX Request : Validation and Proof of Claim I recently pulled my XXXX credit report and found PORTFOLIO RECOVERY ASSOCIATES ( will be referred to as PORTFOLIO or you ) is listing I owe PORTFOLIO a debt. The account number is showing as XXXX for the claimed amount of {$16000.00}. I found similar accounts from PORTFOLIO on XXXX and XXXX ( see bottom ). Please see the attached XXXX credit report for your reference. If you are unable to match any such account to me please update my credit reports on all three credit bureaus as well any affiliated vendor or law firms if any. This action to update my credit reports must be done effective immediately.
As I have no account with PORTFOLIO, nor am I your customer, nor have I entered into a contract with PORTFOLIO, I request the following documentation to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) What date did PORTFOLIO send me the 30 days that your PORTFOLIO was attempting to collect a debt? Please provide a receipt of this notice and the original plus subsequent notices.
2 ) Please evidence of your authorization to do business in my state. Please provide the California State DFPI license and the NMLS license of any agent of PORTFOLIO that has made any attempts directly or indirectly to collect this alleged debt.
3 ) Please provide evidence of PORTFOLIO 's authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. Such proof should be signed by an employee of XXXX XXXX XXXX and should list my full account at XXXX XXXX XXXX.
4 ) What is your authorization of law for your collection of information? Please provide all assignment information including the complete non-redacted bill of sale. Has PORTFOLIO followed all the assignment rules in connection to debt?
5 ) What is your authorization of law for your collection of this alleged debt?
6 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet or a non-typed signature. Specifically in regards to PORTFOLIO Account XXXX with complete non-redacted account information. Included all relative information.
XXXX ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged on the credit report specifically in regards to Account PORTFOLIO XXXX from the date of inception to the claimed amount of {$16000.00} showing on my credit report.
XXXX ) PORTFOLIO is showing XXXX XXXX XXXX XXXX. as the original creditor. If in fact, this is true I request a printed copy of this Card User Agreement and the whole account number from XXXX XXXX XXXX specifically in regards to XXXX.
XXXX ) Was this alleged debt account purchased from XXXX XXXX XXXX with any restrictions that limit the collection activity of PORTFOLIO such as bringing forth lawsuits on any alleged debtors? Please list all restrictions that govern the sale of the alleged debt specifically in regard to XXXX. This can not be a blanket statement from a collection agency employee, vendor, or collection agency plaintiff lawyer. This statement must be made by a XXXX XXXX XXXX employee.
XXXX ) Has an attorney reviewed the validity to collect on this account and possible restrictions? Has the attorney reviewed all restrictions to the allowable collection activity of an alleged debt? If so please provide a sworn statement for this by a California licensed attorney stating All information has been personally verified by me, this is an enforceable debt, all rules of assignment have been followed which included being able to bring court action against the alleged debtor, and I have read the entire nonredacted assignment contract from the original creditor and all re-assignments. This statement from the attorney must be made under penalty of perjury.
XXXX ) What guarantees were made to the validity and accuracy of the dollar amount, interest, or fees of the alleged debt from XXXX XXXX XXXX to PORTFOLIO specifically in regards to Account XXXX?
XXXX ) Has a 1099C been issued in regards to PORTFOLIO Accnt # XXXX from PORTFOLIO or XXXX XXXX XXXX?
XXXX ) Please provide a privacy document when I have granted the original creditor permission to share my private information in collection with PORTFOLIO for this alleged debt. Additionally, provide subsequent privacy documents if this alleged debt was purchased from any other related business entity other than the creditor.
XXXX ) Please provide signed authorization of all charges you are claiming that were made for the alleged debt amounting to the claimed amount of {$16000.00}.
XXXX ) Please provide a chain of custody for PORTFOLIO Accnt XXXX including sales/ assignments from all related subsidiaries in the normal course of business.
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter and will entitle me to presume that you reported this in error and that the matter is permanently closed.
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.
During the debt validation period please CEASE AND DESIST any and all further attempts to collect this alleged debt including filing any court complaints, terminating any existing court complaints if any, and all data collection practices prohibited by California Consumer Privacy Act ( CCPA ) during the debt validation period. I will notify PORTFOLIO in writing if I believe the debt is valid no later than 90 days from your response. Please allow 30 days for a response on my side and a 60-day review period. I will need to validate your response with the original creditor. I will further need to verify your authority to do business in my local jurisdiction. Until I notify you of the validation you are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.
I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. In the event PORTFOLIO RECOVERY ASSOCIATES decides to sell this alleged debt I request you furnish the purchasing collection company with this request.
CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/2023. Please process this request within 30 days in writing.
I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Accounts number showing this collection on my credit reports XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/11/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PORTFOLIO RECOVERY A bal. {$950.00} 2.PORTFOLIO RECOVERY A bal. {$520.00} 3. PORTFOLIO RECOVERY A bal. {$1100.00} 4. PORTFOLIO RECOVERY A bal. {$12000.00} 5. PORTFOLIO RECOVERY A bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 05/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
XXXX. PORTFOLIO RECOVERY A XXXX {$680.00}. XXXX. PORTFOLIO RECOVERY A XXXX {$210.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXXour ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is against Portfolio Recovery because they are reporting on my consumer files claiming I owe them a debt in regards to a XXXX XXXX account. I have sent this company a debt validation request directly to there Disputes mailing address XXXX XXXX XXXX, XXXX VA XXXX on XX/XX/XXXX tracking XXXX. Portfolio Recover had recieved my request on XX/XX/XXXX. Portfolio Recovery has sent a correspondence XX/XX/XXXX stating that the documents attached to there letter establishes the validity of this account. The documents that were attached to there letter was 2 XXXX XXXX statements. To my understanding without proper validation proof, I have full right to refuse to pay a alleged debt to this debt buyer 1692c ( c ) until proper validation has been supplied. Statements is not a form of proper validation that the courts will use to grant this alleged debt valid. The same validation information I requested will be the same information requested in court. The fact that Portfolio Recovery is verifying the validity of the account by providing only statements, tells me this debt buyer does not have legal proof nor any form of contract bearing my signature.
Portfolio Recovery did NOT provide a notice of sale, original contract between myself and the original creditor or a signed agreement between myself and this company agreeing to pay them what they claim I owe. So as a consumer, after I requested validation proof and only recieved statements as a response claiming to be validity, I DO NOT VALIDATE this alleged debt this company is claiming I owe and as far as im concerned by this company only providing me with statements this company is commiting FRAUD because they are advertising on my private non public consumer files making me feel as though coerce payment in necessary 1692d ( 4 ).
XX/XX/XXXX I sent Portfolio Recovery a direct letter once again putting them on notice of the violations and the specific errors they are reporting to the consumer reporting agencies tracking XXXX and they received my letter on XX/XX/XXXX and Portfolio Recovery responded on XX/XX/XXXX specifying that Because your dispute alleges no new facts and includes no new information in which to form the basis for anew investigation, we will not be conducting another investigation of the dispute pursuant to 15 u.s.c 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the FCRA. I disagree with portfolio because the last letter I sent them I specified each error that was reporting on my consumer files but portfolio recovery is claiming I didnt attach no new facts?
This account is reporting a past due {$720.00}, a payment history, a term and a on record until XX/XX/XXXX with XXXX. XXXX is reporting a past due {$720.00}, there misrepresenting themselves as a XXXX XXXX Account and the 7 year reporting date to be XX/XX/XXXX. The statement that I received says the this account was 6 months past due for the statement closing date of XX/XX/XXXX, this tells me that the date of commencement that led to the delinquency occurred on XX/XX/XXXX, further more proving that XXXX nor XXXX was not the month of the XXXX delinquency to determine the 7 year reporting period 1681c ( c ) ( 1 ). So the fact that portfolio recovery denies there are any inaccuracies being furnished to the CRAs is completly false. This account Portfolio Recovery original creditor XXXX XXXX has not been validated and information is in fact being reported inaccuractly. Portfolio Recovery clearly specifies themselves as a debt collector so the fact that they are reporting as a XXXX XXXX Account is a FCRA violation of false misleading representation because Portfolio Recovery is using another COMPANY reference themselves other than the true name of the debt collectors business 1692e ( 14 ). Portfolio Recovery is practicing UNFAIR practices because they are trying to collect a amount that was not permitted by law for them to collect on in the first place 1692f ( 1 ). It is not my fault that debt buyers purchase debts for pennies without legal validation proof included. I also believe that this debt buyer is misrepresenting themselves as a creditor because the fact they are reporting a past due and a payment history with XXXX. Portfolio Recovery never extended me credit and without proper validation, I do not owe Portfolio Recovery, therefor themselves misrepresenting themselves as a creditor is unlawful. Ive made it very clear on the definitions regarding a debt collector and a creditor in the last letter I sent them that I got directly from the FDCPA handbook 1692a ( 4 ) the term creditor means who offers or extends credit creating a debt or to whom a debt is owed, but such term DOES NOT include any person to the extent that he receives an assignment or transfer to the debt in default solely for the purpose of facilitating collection of such debt for another. Portfolio Recovery CLEARLY did NOT extend me creditor and without validation proof, I DO NOT owe portfolio recovery anything. Therefore Portfolio Recovery is NOT a creditor and should not be reporting as a creditor on my consumer files.
1692a ( 6 ) ( F ) ( ii ) the term debt collector does NOT include any person collecting or attempting to collect any debt owed or due that concerns a debt which was originated by such person.
In addition, I have the last statement from XXXX XXXX before Portfolio Recovery purchased this account in the following month of XX/XX/XXXX. In the last statement of the statement closing date of XX/XX/XXXX, it clearly specifies the New Balance was {$720.00} with a Past Due Amount of {$340.00} and a Payment Due Date XX/XX/XXXX. The Balance that Portfolio Recovery is currently trying to collect on is {$720.00}. If this statement was not the last statement produced then the XX/XX/XXXX Statement Closing Date would generate the previous balance of {$720.00} plus the Fees charged of {$37.00} and Interest Charged as well resulting in the current balance to not be {$720.00} any longer. If that is true then the amount Portfolio Recovery purchased this debt for in XX/XX/XXXX would have to be more than {$720.00}. and if its not true then that would mean the final past due amount on record was {$340.00}.
My privacy has been violated and Portfolio Recovery is NOT abiding by the FDCPA. This debt has not been proven under my name legally therefore I do not validate this debt. Ive given portfolio a chance to provide me with proof other than statements and I have not received any legal documents. I have given Portfolio Recovery notice of the inaccurate inconsistent information being reported directly. I have disputed with the consumer reporting agencies. I have given Portfolio plenty of time to produce such records that they shall have in order to assume this debt valid. Without validation proof I refuse to pay a alleged debt Im not obligated to pay for. Portfolio Recovery is committing fraud by reporting not only inaccurate inconsistent information with the consumer reporting agencies but reporting a alleged debt on my private non public consumer report illegally and damaging my credit worthiness with future financial institutions. I have already been denied for a XXXX Credit Card for the reason being there were errors found on your consumer file XXXX has advised me to reach out to the consumer reporting agencies to fix these errors and I have already tried that.
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PORTFOLIO RECOVERY A bal. {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PORTFOLIO RECOVERY bal. {$7500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PORTFOLIO RECOVERY bal. {$200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PORTFOLIO RECOVERY A bal. {$860.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 04/05/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. PORTFOLIO RECOVERY A bal. {$200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 05/10/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name XXXX XXXX ) Hereinafter collectively referred to as Claimant PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX |Hereinafter collectively referred to as RESPONDENT, you, your company FINAL NOTICE FINAL NOTICE NOTICE OF INTENT TO FILE LAWSUIT To Whom It May Concern : To Whom it May Concern and that of management staff This letter is being sent to PORTFOLIO RECOVERY ASSOC. XXXX XXXX in response to a computer generated entry to a report, view by XXXX XXXX XXXX the Director/Executor/Beneficiary/Grantor/Sole-Shareholder of the accounts for XXXX XXXX, on XXXX XXXX XXXX XXXX and the information obtained stated that your company is reporting this debt. If you do not cease reporting of the incorrect information IMMEDIATELY, I will be forced to take further action. Please be advised that your blatant disregard and Multiple Violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and my rights as a consumer have caused harm to me by seriously affecting my otherwise unblemished credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. I am currently shopping for a home right now, and the Damages due to your inaccurate information reporting, will resort in substantially more money .This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I was unable to find anything that shows PORTFOLIO RECOVERY ASSOC. or any third party law firms and collection agencies are in accordance with the O.R.C. ( OHIO REVISED CODE ) 1319.12 Taking assignment of debt : Section ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
( 4 ) Upon the effective date of the assignment to the collection agency, the creditors account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled. ( D ) A collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness in a court of competent jurisdiction located in the county in which the debtor resides, or in the case of co-debtors, a county in which at least one of the co-debtors resides. ( E ) No collection agency shall commence any litigation authorized by this section unless the agency appears by an attorney admitted to the practice of law in this state. ( F ) This section does not affect the powers and duties of any person described in division ( A ) ( 2 ) of this section. ( G ) Nothing in this section relieves a collection agency from complying with the Fair Debt Collection Practices Act, 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended.
( H ) For purposes of filing an action, a collection agency that has taken an assignment or assignments pursuant to this section may consolidate the assigned accounts, bills, or other evidences of indebtedness of one or more creditors against an individual debtor or co-debtors. Each separate assigned account, bill, or evidence of indebtedness must be separately identified and pled in any consolidated action authorized by this section. If a debtor or co-debtor raises a good faith dispute concerning any account, bill, or other evidence of indebtedness, the court shall separate each disputed account, bill, or other evidence of indebtedness from the action and hear the disputed account, bill, or other evidence of indebtedness on its own merits in a separate action. The court shall charge the filing fee of the separate action to the losing party. Effective Date : XXXX ; XXXX Please reference the following : OHIO REVISED CODE, Title [ 13 ] XIII COMMERCIAL TRANSACTIONS - OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation, Validation Proof of Claim XXXX XXXX the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition as well as other provisions of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
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| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My name is XXXX XXXX and I am a nature person and have researched and file this complaint from my knowledge and facts that are attached.
1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from May, 2021 to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX ) and PORTFOLIO RECOVERY ASSOCIATES, LLCXXXX, XXXX XXXX and XXXX BANK.
2. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
3. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
4 ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
5. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
6. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
7. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and drives my blood pressure up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
8. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
9. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them.
10. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
11. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
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| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Attached, you will find the documentation to validate a debt collector, Portfolio Recovery Associates , LLC whom has been inaccurately, reporting information regarding my credit history. Falsely reporting late payments, delinquencies and collections in accordance to my name as a consumer, but not accurately in accordance with this account as a consumer. According to this document, portfolio recovery associates, LLC., which I am not linked to. There is no validation that has been provided to me as a consumer to validate this account in accordance with 15 US code 1692g.
I submitted a dispute in XX/XX/XXXX and the account was not validated or deleted upon me submitting information to the credit bureaus regarding portfolio recovery associates LLC. The XXXX account they are referring to has already been deleted and removed from my credit history.
Portfolio Recovery Associates , LLC refuses to follow the fair debt collection practices of validating evidence against me as a consumer. They attempted to intimidate me by filing a suit against me, however, failed due to lack of evidence, linking me to the accounts, they are attempting to collect debt for.
This is a formal dispute regarding the account portfolio recovery associates LLC.
Portfolio recovery associates , LLC was sold on XX/XX/XXXX of XXXX regarding a XXXX XXXX XXXX. Account number beginning with XXXX. Account balance at the time of sale was {$3100.00}.
XXXX XXXXXXXX XXXX XXXX XXXX was closed XX/XX/XXXX with a XXXX balance as I reported the card stolen or lost. As a consumer I opened that account XX/XX/XXXX, five years and eight months with a payment history, reflecting 100 % of payments made on time until this occurrence.
In an attempt to clarify the origin of the portfolio recovery associates , LLC I called XXXX customer service and was unable to communicate with the gentleman that this XXXX account associated with this debt collector was in accordance to a XXXX XXXX account that had been closed years prior. Due to his lack of understanding, investigating and merely communicating with me as a consumer he stated that the account was not related to a XXXX XXXX account because it started XXXX. I advised the gentleman that I would send the information over to the bureau so that my financial account could accurately be updated and error be deleted.
Portfolio recovery associates , LLC continues to open accounts under my name as a consumer and to which I am not associated with and I have the documentation which I will continue to provide in order to clear my credit history in the most efficient and accurate disposition.
The inaccurate reporting of information regarding me as a consumer is fraudulent. I have no association with portfolio, recovery associates, LLC, and there is no competent evidence bearing my association with them or that I have a contractual obligation to pay this third-party debt collector. Any negative mark sound of my credit, including other credit bureaus must be removed immediately. I do not owe this company a debt. According to 15 USC 1692 g validation of debts ; I do not recognize how this account is reporting on my credit history/report. I do not recognize this account number. I do not recognize this account status. I do not recognize the high balance associated with this unrecognizable account nor do I recognize these late payments or no data related to a payment history whatsoever.
According to an account related to XXXX XXXX, XXXX and the debt collector portfolio recovery the debt on XX/XX/XXXX was {$3100.00} and had a past due amount of {$3000.00}.
I submitted a dispute and XXXX and the debt collection agency portfolio, recovery and associates. LLC reported to the three credit bureaus. The account was in collection for about five years.
I filed a dispute with XXXX, XX/XX/XXXX of XXXX, and due to the inability and an accuracy of portfolio recovery and associates being able to link me as a consumer to this debt. The account was closed.
According to portfolio recovery Associates LLC the date of my first delinquency was XX/XX/XXXX, the date that they reported this was XX/XX/XXXX.
The portfolio recovery associates , LLC is in accordance with an account no. XXXX reference no. XXXX. The seller is XXXXXXXX XXXX in the amount of {$3000.00} You will also note a communication letter from a debt collector sent to address, XXXX XXXX XXXX XXXX This is not my place of residence, this is not a residence to which I am associated with or to where I reside. I have disputed this address in the past, and it was previously removed. Portfolio recovery associates LLC continues to an accurately send forms of communication to homes within my community that reflect poorly upon a consumer related to their finances and a defamation of character. This is by all means, inappropriate, inaccurate, misleading and above all else wrong.
Portfolio recovery associates , LLC has violated 1692 ( e ) by without my consent, or knowledge, obtaining soft increase from XXXX along with XXXX XXXX XXXX, XXXXXXXX XXXX, and the XXXXXXXX XXXX I am a palled by the information that I have obtained in accordance with my recent consumer credit report.
I respectfully request that this entity refrain from contacting me in the future, as I am not associated with this debt nor am I associated with the debt related to XXXX XXXX XXXX I also respectfully request that portfolio recovery associates , LLC provide me with competent evidence that I am in legal obligation to pay them. Failure to respond in accordance with act 15 USC 1692g ( five days ) to all references to this account, must be deleted and completely removed.
Please note that I have also attached a legal document, granting notice of non-suit, defining and concluding that portfolio recovery associates LLC lacks the information to connect me as a consumer in any way to an account that has already been deleted.
Portfolio recovery associates , LLC has been reporting inaccurate information against me as a consumer, for five years, In conclusion, I would like to note a collection is by default late and past due, not an open account. The documentation I have attached reports that the status of my account is {$3000.00} past due as of XX/XX/XXXX that is inaccurate. Inaccurately reporting that this debt was only in relation to a XXXXXXXX account, and not specifying XXXX XXXXXXXX XXXX XXXX is also fallacious to the credit bureau and myself as a consumer. You will also note XXXX XXXX XXXX XXXX is not on my credit history as of today.
Portfolio recovery associates LLC is also obtaining a debt in accordance with a cXXXX XXXX account that I am not associated with. In the same manner and fashion, I have attempted to dispute these accounts and have been unsuccessful. This company continues to report false information and I will also attach that information.
Please delete the inaccurate information promptly and with integrity to me as a consumer.
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| 07/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates , LLC violated most of the options listed while trying to collect an alleged debt of {$2200.00} from XXXX, but my main complaint is not one of the listed options. I know PRA has done the similar things to many people, including XXXX XXXX, who was awarded {$82.00} XXXX in punitive damages by a jury in XXXX. This issue should be addressed.
My main complaint is that after I filed a lawsuit under the FDCPA, invasion of privacy on seclusion and outrage, on XX/XX/XXXX, PRA used litigation tactics that were unethical, illegal, deceitful and meant to inflict severe emotional distress.
PRA was represented by outside counsel, The XXXX XXXX Firm in Arkansas and XXXX XXXX from Virginia ( AKA XXXX XXXX ).
On XX/XX/XXXX, XXXX XXXX issued a blog post that said, in part : " According to the CFPB, entities can not take unreasonable advantage of circumstances where people lack sufficient bargaining power to protect their interests.
" The policy statement describes such circumstances as when consumers do not elect to enter into a relationship with an entity, '' and specifies debt collectors.
PRA used my lack of legal training, financial distress caused by the COVID related stock market crash, and my ill health, including diagnosed XXXX disorders and XXXX 's XXXX, to bully me in court. PRA also capitalized on the opportunity of a judge who is notoriously anti-consumer and anti-CFPB, XXXX XXXX XXXX XXXX.
PRA threatened me with having to pay its " significant '' attorney 's fees. A copy of the email is submitted. PRA filed a motion for the Clerk to tax {$8300.00} in costs to me. I am going to appeal the summary judgment, but thus far, PRA has ignored my request for them to stipulate to a stay of the cost motions until after the appeal.
PRA has never produced Old Account Level Documentation that shows what was purchased to incur the debt or the vendor who was paid by XXXX XXXXXXXX XXXX. PRA has never produced a credit card agreement and specified it does not have the credit card agreement.
Before I filed suit, PRA sent its identity theft and fraud letter to me, with directions to answer the intrusive questions under penalty of perjury and notarized or witnessed. I refused because PRA did not tell me where the debt was incurred or what it was for. Even if I could deduce who committed the fraud, the statute of limitations to file criminal charges on the person had passed, and it would be extraordinarily difficult to collect evidence. The only purpose I saw in having me fill out the details, including my social security number, all previous addresses, and so on, was for PRA to use against me in trying to collect the debt. The letter was backdated.
After I filed suit, PRA sent three more backdated letters that said it " concluded its investigation '' and closed my account and set the balance to zero. But the first letter informing me of this was addressed to " XXXX XXXX '' instead of " XXXX XXXX '' and had a different account number on it. I was fooled into thinking my account was closed. When I went to document the letter, I noticed the error. When I asked for a correction, PRA changed the wording. After my next request, they gave me another letter with the original wording and with my name and account number. Copies submitted.
Eight months after I filed suit, PRA produced a single account statement mailed to an address where I never received mail, that showed a balance of {$1900.00}. They said XXXX XXXX gave it to them and got XXXX XXXX to submit an affidavit, but XXXX XXXX had told me many months earlier that it had no OALD at all. ( Recorded ) PRA withheld and altered other documents. The company records filed under seal do not have each call made on PRA 's self-generated phone log documented on PRA 's notes. A representative told me the notes have an entry that I filed for bankruptcy, though I never filed for bankruptcy. That entry is not in the documents filed under seal.
PRA admits to calling a landline at my past residence in Arkansas hundreds of times. But, it claims it did not call my California cell phone for a seven year stretch with the first call they admit to being on XX/XX/XXXX. I recorded that call, after setting up my computer. ( There is a minute pause on PRA 's recording of the call. ) The reason I spoke to PRA on a recorded line was because they had called me about a hundred times from XXXX to XXXX. About 85 of those calls I blocked and they went to voice mail.
PRA would not produce a third party record of its calls. I got my cell phone record and found fourteen calls that came from PRA, that don't appear on PRA 's phone log, and each of the numbers those calls were placed from were disconnected. In fact, all the numbers PRA called me from were disconnected.
XXXX XXXX, in his order granting summary judgment in PRA 's favor, truncated a sentence to distort my testimony, then PRA repeated the falsehood. Eventually the judge admitted the sentence was truncated, and then said the complete sentence had a different meaning than the meaning given by XXXX 's OpenAI and the opposite of what I meant.
PRA requested and XXXX XXXX approved of making many of the business records under seal, against my heavy protest. It is difficult to write this complaint and complaints to other agencies with the confidentiality restrictions and the public can not make an informed decision about who is telling the truth. That is why I am using the awkward way of saying what was not in the documents, instead of what was in the documents.
After I filed a motion for partial summary judgment on the single issue of misrepresentation of the amount of a debt, PRA lied, saying it " waived '' my debt " in light of the litigation '', even though it did not issue a 1099-C to me in the two years since.
PRA hired an " expert witness '' who is a hired XXXX. He made a diagnosis that contradicted the diagnosis of my medical providers. The Psychiatrist they hired was not licensed in Arkansas, and the Arkansas medical board told me ( recorded ) that out-of-state doctors can review records, but not diagnose. The report is filed under seal and I am only allowed to share it with law enforcement and the various medical boards and committees on professional conduct. But I am willing to share my version of what happened during the horrific Defense Medical Exam with the CFPB in confidentiality.
PRA posted my credit report, marked " CONFIDENTIAL '', and another document that had my full unredacted social security number and birthdate on PACER. When I complained, they said it was an accident.
There is so much detail that I will give the case number and my blog address, where I write about the case and other instances of corruption in courts. I will then make bullet points of specific misconduct on my request for a fair resolution.
XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX.
XXXX XXXX XXXX
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am XXXX XXXX. I am acting on my own behalf, and no one is acting on my behalf, through this portal Portfolio Recovery Associates, this is a complaint regarding your Credit Reporting/Metro2/Compliance - and with respect to FCRA and FDCPA mandates. Their rules/laws/mandates are clear. While this is my issue - what is occurring, is systematic and across classes/people, and in full view as because of how consumer data is collected, entered into PRAs systems, stored and then reported/integrated to the CRAs.
The CFPB - should review this complaint, as any PRA customer - is no doubt dealing with the same systematic/file issues.
ALL Tradelines, on all reports are within the scope of this complaint. XXXX, XXXX, XXXX and XXXX. Those tradelines indicate you - PRA, as the ACCOUNT NAME and owner.
The request is simple - please fix all of them ( my accounts PRA has reported ) and at each CRA so the tradelines are compliant - or delete each, at each CRA.
If I know - you, PRA with a whole tech team, leaders and a whole IT QA team must. Your Metro2 files/integrations - to the CRAs, are historical and when/where applicable - discoverable.
This complaint is as follows : 1. PRA, willingly and knowingly, is reporting to all CRA 's - as if they are a Creditor/Credit Grantor ( Factoring Company ). Attachment 1. XXXX complaints, and description of the issue - where, PRA - blames the CRA ( all of them ).
2. XXXX, are NOT, in fact - Factoring companies, by definition, law and then their own acknowledgements. I rely on the FTCs definition of a CREDITOR/Debt Collector.
3. Factoring Companies/Creditors - can send all data applicable, to a consumer account, as per the industry file standard - Metro2. Outside of a Header/Trailer record - and depending on the type of credit, and its duration - the fields that can be sent per tradeline- are in the 100s ( hundreds ).
4. Debt Collectors - as per the industry file standard - Metro2 ( many sources ) are directed to populate approximately 19 fields.
5. When reporting in PRAs fashion ( as if they are Factoring Company/Creditor ) - the tradeline egregiously/knowingly and illegally anchors a consumer report with a Creditor account, that has not been paid, starts with a C ( Collections ) and since the tradeline was opened, but forever erroneously with/by PRA. Even when a consumer pays - the account then can never, ever be resolved and exists as it's intended to - unless it's deleted.
6. Even though CRAs expressly define the SEGMENTS for COLLECTIONS, PRA subverts the industry standard Metro2 - file specifications, and - lands in a space in the CRAs databases, where Creditors reside - and dutifully impacts consumers OPEN accounts, where calculations of scoring data is/are most impactful.
7. The impacts are broad - scores, CRAs calculation to display data - lenders assessing consumer worthiness and even with an orphaned/wholly inaccurate PRA tradeline - that destroys scores, consumer worthiness and views of accurate information ( Your data as reported is used in High Data Usage/AmountPast Due/Payment History/etc ) 8. The views of this data - are actually quite magical - CLOSED is in the tradelines description, yet - no CLOSED DATE - intentionally confusing consumers on a report most don't even understand today.
9. PRA - is mandated to send their files in Metro2 Format, Attachment2 - from all major CRA 's demanding file/integration standards be of Metro2 Attachment 2 - CRA statements 10. Debt Collectors - are mandated through Metro2 - to send a header/footer and approximately 19 consumer fields ( see attachment 3 - exert from CRRG, know other sources reiterate the same details ) 11. Metro2 - and its usage is defined, and for DebtCollectors - and then Factoring Companies ( Attachment 3 - Tech Specs sample, there are more tech specs available ) - regardless of source, standards of usage of the file/ resulting integration is industry wide - First Name = First Name, Header/Footer Details, Account Name etc.
12. Due diligence Mandated by FCRA - could resolve your technical reporting problems. The FILE SPECS are available - as are the rules. You also have your partnership with the CRA to test your requirements, to build, and as UAT/SYS/PAR testing allows in standard SDLC, to ensure your data you send is accurate. Standard TECH QA methodology - would have caught your issues from inception, unless it was acceptable behavior.
13. ALL CRAs have a section/segment for DEBT COLLECTORS 14. Why has yours, and why does your tradelines PRA - fail to ever show up there?
You are NOT a Factoring company.
You are sending fields and file attributes, that can not apply to a Debt Collector There are no contracts/agreements with a debt collector for payment on reportable terms You are reporting Monthly Terms Original Creditor has a Field - you are using comments - or nothing at all Original Creditor Acct Number - is MIA, when it must be retained and available for the consumer and the actual tradeline its reporting from, is never displayed FCRA.DOFD Dates are in fact made up by PRA - and, worse inaccurate Balance - PRA fluctuates Balances inside/outside of laws that govern them Terms - there are no such things as TERMS with a DEBT COLLECTOR Accounts have PAY HISTORIES - when they are never allowed, as per metro2 Accounts Rating/BALANCES Histories - when they are never allowed, as per metro2 Pay/Balances/Ratings, although never applicable - are always inaccurate You Reside in the OTHER ACCOUNTS Section/Segment of consumer reports, when its description says for Creditors ONLY Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements You intentionally - DO NOT REPORT in the COLLECTIONS Section of a consumer report - which is dedicated to you use, and its description Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score.
Your tradelines lack an ACCOUNT NUMBER Are Used to Calculate DEBT to CREDIT Ratio - when it is impossible to include this debt collection account Leverage a Creditor Classification field - of the alleged Original Creditors relationship - as a Retail Account, Installment Account etc.
Description says CLOSED in the HEADER When it is NOT NO DATE CLOSED is supplied - to coincide with your description Original Creditor is WIPED OFF XXXX OC - Account Number is WIPED OFF XXXX This is a summary of issues based on your reporting, and the assertion of a FCRA and FDCPA non compliance on many accounts, many times, and after complaints with the CRAs.
This complaint also serves to you - PRA as a do not contact, and as allowed by law.
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I am writing to file a complaint against PORTFOLIO RECOVERY ASSOCIATES for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by portfolio recovery.
Request for validation of the debt : I am requesting a validation of the debt being collected by portfolio recovery along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, portfolio recovery has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( portfolio recovery ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( portfolio recovery ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request portfolio recovery to send me the validation of this debt as requested above. If portfolio recovery fails to validate the debt, I dispute the debt, and request portfolio recovery to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Request for verification of the debt : I am also writing within this complaint, a direct request for information from portfolio recovery regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( XXXX items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires portfolio recovery to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that portfolio recovery fails to validate the debt, I dispute the debt and request portfolio recovery to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
It is important for portfolio recovery to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by portfolio recovery to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that portfolio recovery must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of portfolio recovery. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold portfolio recovery accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by portfolio recovery. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1955 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Servicemember |
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XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$130.00} Balance updated XX/XX/XXXX Recent payment $ 39 Monthly payment {$0.00} Original balance {$760.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX to XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX {$130.00} Balance {$0.00} Schedule payment {$39.00} Paid on XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$760.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Your statement PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
ATTACHMENTS Report Number XXXX ( XXXX KB ) Report NumberXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment related thereto. PRA purchased the XXXX XXXX XXXX " XXXX '' XXXX XXXX account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$760.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We placed the PRA account ending in XXXX with the law firm of XXXX XXXX XXXX, XXXX. ( the Firm ) on or about XX/XX/XXXX. XXXX XXXX XXXX, XXXX. filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Civil Court, XXXX XXXX County, Iowa bearing case number XXXX. The judgment amount was {$870.00}, and payment received post judgment was {$740.00} leaving the balance of {$130.00}. PRA furnished information from the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. Should you have any further questions about the account balance, please contact XXXX XXXX XXXX at XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The judgement was paid in XXXX according to the settlement amount in court and XXXX and XXXX also agreed with the amount which portfolio recovery did not use all court documents about the lesser amount their total amount is wrong because XXXX XXXX also agreed in court at the lesser amount they really need to research this issue and correct it on my credit file asap because they refuse to fix this issue I made the final payment to XXXX and gains PC as agreed upon in court of XXXX county, I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No What happens now?
The complaint process is complete and your complaint is now closed.
We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database.
Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company.
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.
Closed The CFPB has closed your complaint.
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| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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In early XX/XX/2013 Portfolio Recovery Associates, LLC. contacted me several times, harassing me up to 12 times a day from different spoofed numbers of real people. On one occasion, a female representative advised me that they had filed a suit against me and the only way to stop them from suing me or coming to my job to serve me with a summons was to make a payment with her over the phone. I refused to provide her with my social security number fearing it was a scam but I asked her questions about the debt and to my surprise she was so angry with me that she gave the name of a creditor that I had not done business with in over 10 years. When I explained to her that Portfolio Recovery Associates, LLC. was breaking the law by filing a suit on that debt and that she disclosed the information regarding a debt without verifying who I was, the young woman simply cursed at me and hung up on me. Immediately after that interaction I wrote to them at their Virginia address and provided very clear instructions to cease and desist contacting me then, and never to contact me in the future regarding any debts purchased by their company. I outlined each of their unlawful business practices and requested that they blacklist my SSN and Name together to prevent any contact from their company on any debt ever, past present or future. About 20-25 days later, all of the mail stopped coming from them, all of the phone calls stopped, and I never received any acknowledgment of my request. Portfolio Recovery simply stopped the harassment.
Today, I live in constant fear and anxiety from their current onslaught of harassment EVERY SINGLE DAY. They are reporting multiple accounts on my credit reports ( XXXX, XXXX, XXXX ) and I get on average, 6 to 8 BACK TO BACK phone calls from Portfolio. Sometimes they call me using their company phone number but the majority of phone calls they spoof from different area codes/cities/states all over America and I have to trace back to Portfolio Recovery. Their company calls me using every different kind of auto dialer and spoofed phone number they can generate ( using the phone numbers of real people, companies, government agencies, etc ), I have called the phone numbers back and there are real people whose cell phones and business phone numbers are being spoofed by Portfolio Recovery Associates, LLC. in order to mask the true business calling. Because they are calling me on my work cell phone, I dont always have the option to not answer the phone. Their representatives are horrifically rude, caustic and have reduced me to panic attacks at work. When I try to explain that I dont want to be contacted and tell them that Ive already written them several times and to stop contacting me ; the representatives tell me that they have no record of any one at their company speaking to me and that they dont have any information and cant help me unless I tell them my social security number. It is very clear that they are falsifying contact records because of the way that they violate Fair Debt Collection Practices Act ( FDCPA ). When they repeatedly call me, they get extremely agitated and demand my social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face or dial me back to back and leave long voicemails with them eating on the phone. Ive been cursed at, hung up on and then they dial me back to back to back as if it is a sport for them. I have SEVERAL VOICEMAILS from Portfolio Recovery Associates, LLC. that their phone collection agents leave just to harass me. Most all of the voicemails range 30 to 45 seconds in length and consist of them breathing on the phone, eating on the phone, while I hear very clearly the other people in the background introducing themselves and saying the Portfolio Recovery collection company name to the other people that they are harassing for the day. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. They have made it impossible to for me to live a normal life out of the constant fear and verbal assaults from their call centers. When I returned their monthly attack of postal mail from my home in Virginia with attachments advising them to cease and desist contact on any accounts past, present or any debts that they purchase in the future ; they amped up their phone campaign and then started to contact my family by postal mail. They have begun to send harassing letters to my father ( by the same name but lives over 2000 miles away ), and my parents have returned mail to Portfolio Recovery Associates LLC every single month but continue to get harassing letters even after explaining that Portfolio is going after the wrong person. I wrote Portfolio again about two months ago and I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. I also explained in that letter that I was filing for bankruptcy and when I have everything put together, that I would have whatever attorney I choose to work with, send them a copy of the filing by mail. Portfolio Recovery Associates, LLC has made a conscious decision to ignore my REPEATED requests for no contact and violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties after they have received notices from me on several occasions by mail and by phone. Im requesting escalation of my complaint to the FTC. I am confident that a review by the FTC will show that Portfolio Recovery Associates, LLC has been dishonest and continues to break the law. After consulting with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates, LLC, I intend to seek all options including any compensation available to me in every instance of violation based on the evidence ( extensive phone records, voicemails, and postal mailings ) I have accrued that documents in full detail their illegal use of telecommunications, continued aggressive harassment, their collection agents verbal abuse and coercion against me, disclosure of the debts to 3rd parties, forceful intimidation, falsification of communication records and failure to abide by repeated cease and desist requests for no contact on any debts owned past, present, or purchased in the future by them.
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| 04/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX & XX/XX/XXXX I sent by certified mail ( receipt number : XXXX & XXXX, In an effort to settle this matter in the most efficient possible manner, and CONDITIONALLY ACCEPTED your demand for payment and make an offer to pay in the above named matter, upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other Supporting documentation that give rise to and lawfully support the alleged Obligations you claims is owed to you, a man or woman.
Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above.
The names, addresses, dates and duration of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.
That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counterclaims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim.
That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner.
That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.
Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.
Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect.
Condition # 5. Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include : A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of Washington as a collection agency.
A notarized copy of the Bond on file with the State of Tennessee allowing your firm to operate as a collection agency.
A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim.
Condition # 6. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition # 7. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition # 8. Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations.
Condition # 9. Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.
Condition # 10.Provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt.
Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ).
Which your institution did and can not fulfill as you are a third party interloper to an alleged contractual agreement that you were not named a party too. Nor are you the holder in due course of the original consumer contract and did not satisfy any of the basic premises such as meeting of the minds for a contract of adhesion to occur. Nor did your institution get my consent to enter into this agreement nor provided a subrogation agreement granting you such access.
So without properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidation, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful.
Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and I assure you that you do so at your own peril and risk.
Remove said account from my consumer credit report and close this account within the agreed upon time frame of 14 days or as a litigious consumer I will no choice but to pursue remedy at venue closest to me. You do not have my rights to see this fraudulent instrument to any other party to further damage my person. You purchased a liability and it will stay a liability at your institution.
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| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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In early XXXX Portfolio Recovery Associates, LLC. contacted me several times, harassing me up to 12 times a day from different spoofed numbers of real people. On one occasion, a female representative advised me that they had filed a suit against me and the only way to stop them from suing me or coming to my job to serve me with a summons was to make a payment with her over the phone. I refused to provide her with my social security number fearing it was a scam but I asked her questions about the debt and to my surprise she was so angry with me that she gave the name of a creditor that I had not done business with in over 10 years. When I explained to her that Portfolio Recovery Associates, LLC. was breaking the law by filing a suit on that debt and that she disclosed the information regarding a debt without verifying who I was, the young woman simply cursed at me and hung up on me. Immediately after that interaction I wrote to them at their Virginia address and provided very clear instructions to cease and desist contacting me then, and never to contact me in the future regarding any debts purchased by their company. I outlined each of their unlawful business practices and requested that they blacklist my SSN and Name together to prevent any contact from their company on any debt ever, past present or future. About 20-25 days later, all of the mail stopped coming from them, all of the phone calls stopped, and I never received any acknowledgment of my request. Portfolio Recovery simply stopped the harassment.
Today, I live in constant fear and anxiety from their current onslaught of harassment EVERY SINGLE DAY. They are reporting multiple accounts on my credit reports ( XXXX, XXXX, XXXX ) and I get on average, 6 to 8 BACK TO BACK phone calls from Portfolio. Sometimes they call me using their company phone number but the majority of phone calls they spoof from different area codes/cities/states all over America and I have to trace back to Portfolio Recovery. Their company calls me using every different kind of auto dialer and spoofed phone number they can generate ( using the phone numbers of real people, companies, government agencies, etc ), I have called the phone numbers back and there are real people whose cell phones and business phone numbers are being spoofed by Portfolio Recovery Associates, LLC. in order to mask the true business calling. Because they are calling me on my work cell phone, I dont always have the option to not answer the phone. Their representatives are horrifically rude, caustic and have reduced me to panic attacks at work. When I try to explain that I dont want to be contacted and tell them that Ive already written them several times and to stop contacting me ; the representatives tell me that they have no record of any one at their company speaking to me and that they dont have any information and cant help me unless I tell them my social security number. It is very clear that they are falsifying contact records because of the way that they violate Fair Debt Collection Practices Act ( FDCPA ). When they repeatedly call me, they get extremely agitated and demand my social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face or dial me back to back and leave long voicemails with them eating on the phone. Ive been cursed at, hung up on and then they dial me back to back to back as if it is a sport for them. I have SEVERAL VOICEMAILS from Portfolio Recovery Associates, LLC. that their phone collection agents leave just to harass me. Most all of the voicemails range 30 to 45 seconds in length and consist of them breathing on the phone, eating on the phone, while I hear very clearly the other people in the background introducing themselves and saying the Portfolio Recovery collection company name to the other people that they are harassing for the day. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. They have made it impossible to for me to live a normal life out of the constant fear and verbal assaults from their call centers. When I returned their monthly attack of postal mail from my home in Virginia with attachments advising them to cease and desist contact on any accounts past, present or any debts that they purchase in the future ; they amped up their phone campaign and then started to contact my family by postal mail. They have begun to send harassing letters to my father ( by the same name but lives over 2000 miles away ), and my parents have returned mail to Portfolio Recovery Associates LLC every single month but continue to get harassing letters even after explaining that Portfolio is going after the wrong person. I wrote Portfolio again about two months ago and I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. I also explained in that letter that I was filing for bankruptcy and when I have everything put together, that I would have whatever attorney I choose to work with, send them a copy of the filing by mail. Portfolio Recovery Associates, LLC has made a conscious decision to ignore my REPEATED requests for no contact and violate the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties after they have received notices from me on several occasions by mail and by phone. Im requesting escalation of my complaint to the FTC. I am confident that a review by the FTC will show that Portfolio Recovery Associates, LLC has been dishonest and continues to break the law. After consulting with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates, LLC, I intend to seek all options including any compensation available to me in every instance of violation based on the evidence ( extensive phone records, voicemails, and postal mailings ) I have accrued that documents in full detail their illegal use of telecommunications, continued aggressive harassment, their collection agents verbal abuse and coercion against me, disclosure of the debts to 3rd parties, forceful intimidation, falsification of communication records and failure to abide by repeated cease and desist requests for no contact on any debts owned past, present, or purchased in the future by them.
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| 01/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In a prior complaint ( XXXX ), I requested detailed information to verify an alleged debt being collected by PORTFOLIO RECOVERY ASSOCIATES ( partial account number : XXXX ). If the request was met, this complaint would indicate another violation by PORTFOLIO RECOVERY of Regulation E of the Electronic Fund Transfer Act ( EFTA ) and the Fair Credit Reporting Act ( FCRA ).
Today, I am submitting a complaint against PORTFOLIO RECOVERY for violating EFTA and FCRA. Regulation E is a regulation issued by the Federal Reserve Board under the Electronic Fund Transfer Act ( EFTA ) to protect consumers who use electronic fund transfer ( EFT ) services, including credit card transactions, debit card transactions, Automated Clearing House ( ACH ) transfers, and ATM transactions. The purpose of Regulation E is to provide consumers with clear and concise disclosures of their rights and liabilities in EFTs. The regulation requires financial institutions and credit card companies to provide consumers with disclosures, including credit limits for particular credit cards and credit lines, error resolution procedures, and other protections related to EFTs. The regulation also imposes liability on financial institutions for unauthorized EFTs and sets out procedures for consumers to dispute errors, inaccuracies, and unauthorized transactions.
Pursuant to section 904 of the EFTA, if a credit card company ( original creditor in this case ) allows a charge that is higher than the credit limit, the credit card company is violating the EFTA by authorizing a legally unauthorized transfer of funds from the consumer 's account. Section 904 of the EFTA, specifically states that " a financial institution shall not honor an electronic fund transfer initiated through an automated teller machine or point of sale terminal if the transfer would exceed the account balance of the consumer or would exceed any established credit limit for the account. '' Therefore, by allowing a charge that is higher than the credit limit, the credit card company violated section 904 of the EFTA, by authorizing a legally unauthorized transfer of funds and not ensuring that the consumer 's account balance is not exceeded.
In this alleged debt, which has not yet been validated and verified as requested, PORTFOLIO RECOVERY, is attempting to collect an amount that exceeds any legally established credit limit for that account, a clear violation of the EFTA. An itemized payment history in my prior request for validation and verification of this account would have revealed this error and related inaccuracies. Furthermore, PORTFOLIO RECOVERY is in violation of Section 919 ( a ) of the EFTA, which imposes liability on financial institutions for unauthorized transfers, including those resulting from legally unauthorized credit card transactions. PORTFOLIO RECOVERY is violating section 904 of the Electronic Fund Transfer Act ( EFTA ) by collecting an alleged debt after the original creditor allowed a charge that was higher than the credit limit, a complete violation of the law. By authorizing a charge or transfer, the original creditor did not ensure that the consumer 's account balance was not exceeded, which violates the provisions outlined in section 904 of the EFTA.
Furthermore, the original creditor and now PORTFOLIO RECOVERY allowed a charge that was higher than the credit limit and are reporting and trying to collect this legally unauthorized charge or transfer as a legitimate debt, thereby violating the requirement to report accurate information under the FCRA, specifically, section 611 of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ).
PORTFOLIO RECOVERY is reporting this legally unauthorized charge/transfer to credit bureaus as a negative item on my credit report, which is inaccurate reporting with incomplete information. The FCRA requires consumer reporting agencies to ensure the accuracy, fairness, and privacy of consumer credit information, and to investigate disputes and correct errors promptly. By reporting the legally unauthorized charge/transfer as a negative item on my credit report, PORTFOLIO RECOVERY has impugned my creditworthiness and caused significant harm to my financial reputation and standing. In accordance with procedures established by the CFPB and pursuant to section 15 U.S.C. 1681g ( a ) ( 3 ) of this title regarding the completeness or accuracy of any item of information in a consumer 's file, PORTFOLIO RECOVERY is bound to reinvestigate disputes from consumers regarding the accuracy or completeness of information in their credit files, and to update or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which PORTFOLIO RECOVERY receives the notice of the dispute from the consumer.
15 U.S.C. 1681e of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies and collection agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports. This section of the FCRA ensures that the information in a consumer 's credit report is accurate, up-to-date, and complete. This provision of the law has been violated in this case. Specifically, 15 U.S.C. 1681e ( a ) - states requirements for maximum possible accuracy : This subsection requires consumer reporting agencies and collection agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports. 15 U.S.C. 1681e ( b ) - Duty to correct and update information : This subsection requires consumer reporting agencies and collection agencies to promptly correct or delete inaccurate or incomplete information in consumer credit reports.
Therefore, since PORTFOLIO RECOVERY is violating section 904 of the Electronic Fund Transfer Act ( EFTA ) by collecting an alleged debt after the original creditor allowed a charge that was higher than the credit limit, a complete violation of the law, PORTFOLIO RECOVERY is also reporting and trying to collect this legally unauthorized charge or transfer as a legitimate debt, thereby violating the requirement to report accurate and complete information under the FCRA. Specifically, section 611 of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ), which constitutes FCRA 's provisions regarding the accuracy, fairness, and privacy of consumer credit information. I respectfully urge the CFPB to investigate these facts of law and these violations by PORTFOLIO RECOVERY and delete this illegal account from my report.
Respectfully, XXXX XXXX
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| 09/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX continue to report an illegal debt. The debt has been XXXX and no longer due. Portfolio Recovery Associates is not able to collect on a XXXX debt and reporting this account as a collection is violation of FDCPA.
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Upon a review of my credit report, Portfolio Recovery Associates has misrepresented the type of account listed on my XXXX , XXXX & XXXX credit reports as a " factoring company ''.
Due to this false information, they have committed the following violations : Portfolio Recovery Associates violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX, XXXX, & XXXX credit report.
Portfolio Recovery Associates violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as Type Of Loan : Factoring Company Account on my XXXX, XXXX, & XXXX credit report.
Portfolio Recovery Associates violates FDCPA 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as Type Of Loan : Factoring Company Account on my XXXX, XXXX, & XXXX credit report.
Portfolio Recovery Associates violates FDCPA 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as Type Of Loan : Factoring Company Account to deceive current and potential creditors and to negatively impact my XXXX, XXXX, & XXXX credit scores.
Portfolio Recovery Associates violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency Type Of Loan : Factoring Company Account on my XXXX, XXXX, & XXXX credit report.
With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX, XXXX, & XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Portfolio Recovery, or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that Portfolio Recovery Associates has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing. Portfolio Recovery Associates purchases charged off bad debt which can not be factored. Portfolio Recovery Associates is representing themselves as something they are not. Furthermore, by labeling status as " Factoring '' when indeed this account is a collection forces XXXX, XXXX & XXXX to improperly place this account in its correct status as " Collection '', whereby allowing an extremely unfair egregious punitive monthly tanking of my credit score and failure to allow proper aging of the collection that it truly is.
I have sent written communication to Portfolio Recovery Associates and an attempt to rectify the situation, however they have failed to provide any response. Further I have filed disputes with XXXX, XXXX and XXXX however, Portfolio Recovery Associates has continued its practice of incorrect reporting on my credit reports.
Below is their contact information : Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com While conducting the same review, XXXX XXXX XXXX XXXX/XXXX XXXX has misrepresented the status of my account listed as " Charge-Off '' and with a balance. My account was paid immediately after closing by XXXX XXXX. Both the " charge-off '' status and balance listed on the account have negatively affected my ability secure credit with XXXX XXXX as well as other financial institutions. As such, XXXX XXXX XXXX XXXX/XXXX XXXX committed the following violations : XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as Type Of Account : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as an Type Of Account : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as Type Of Account : Charge-Off to deceive current and potential creditors and to negatively impact my XXXX & XXXX credit scores.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency Type Of Account : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Account Status : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as Account Status : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as an Account Status : Charge-Off on my XXXX & XXXX credit reports.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FDCPA 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as Account Status : Charge-Off to deceive current and potential creditors and to negatively impact my XXXX & XXXX credit scores.
XXXX XXXX XXXX XXXX/XXXX XXXX violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency Account Status : Charge-Off on my XXXX & XXXX credit reports.
I have sent written communication to XXXX XXXX XXXX XXXX XXXX XXXX instructing them to correct the account type to " revolving '' and change the account status to " paid/closed '' however they have failed to comply. Further I have filed disputes with both XXXX and XXXX however, XXXX XXXX XXXX XXXX has continued its practice of incorrectly reporting the type and status of my account.
Below is their contact information : Cscl Dispute Team XXXX XXXX XXXX, IA
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| 05/12/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments.
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' -consumerfinance.gov `` We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out.
In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, Non-Trustee, Beneficiary of the Social Security Trust and XXXX which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security Administration for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments.
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff.
XXXX XXXX XXXX.
v.
PORTFOLIO RECOVERY, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Defendant.
Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, and damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security Trust and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant.
Defendant, Your illegal communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- and existence on the XXXX, XXXX and XXXX credit reports of the Plaintiff is fraudulent. Now, there are various legal and lawful ways to approach Your illegal and unlawful acts against the Plaintiff, Consumer and Beneficiary. Let 's start with you putting into the record and public record, here on this " ... official website of the United States government '' which is displayed on consumerfinance.gov, as evidence and for examination by also the Plaintiff, the contract the Plaintiff signed that states the Beneficiary is legally and even lawfully bound to give You that which You are fraudulently attempting to obtain from the Consumer. The Defendant and definitely the Plaintiff already knows that no such contract exists and the Beneficiary never entrusted You with the Social Security Trust and Account information.
Therefore, the Defendant shall immediately remove Their communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- which are also already personal damaging, illegal and unlawful act and offenses listed under collections section of the existing credit reports -- which should not even exist for obvious reasons -- stat, and forever keep it off! That action of communication You have done is evidence of Your already committed voluntary personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Defamation ; 28 U.S.C. 4101 ( 1 ) Libel ; 28 U.S.C. 4101 ( 1 ) Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206 Aiding and Abetting ; 18 U.S.C. 2 Conspiracy ; 18 U.S.C. 956 You illegally and fraudulently communicated and claimed a debt is owed, which, again the debt is and has never been owed, can be communicated to the one to whom all alleged debt is responsible, anyway : U.S. Constitution ArtI.S8.C1 ; Congress. Will You harass Congress with Your communication which is fraudulent?
Moreover, Defendant, You are hereby, put on written legal and lawful notice : XXXX U.S.C. XXXX ( c ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). This legal and lawful notice also means You must, have to, and shall remove your communication -- XXXX XXXX. XXXX ( a ) ( XXXX ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- from the Consumer credit reports, stat, immediately, indefinitely and forever.
Furthermore, reparations is owed and in the form of a postal money order, or Post_Office-issued money order or check -- XXXX. XXXX ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff stat through the XXXX XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX. XXXX ( XXXX ) Libel ; XXXX XXXX. XXXX ( XXXX ) Harassment ; XXXX XXXX. XXXX ( d ) ; Truth In Lending Act ( XXXX ) XXXX ; XXXX XXXX. XXXX, XXXX XXXX. XXXX Aiding and Abetting ; XXXX XXXX. XXXX Conspiracy ; XXXX XXXX. XXXX
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have an account on my credit report from PORTFOLIO and it is being reported on XXXX. I do not recognize this account nor do I have an agreement with them.
This is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 09/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Well on XX/XX/2020 I sent a certified Letter by mail to PRA ( PortFolio Recovery Associates ) asking for validation of Debt I MADE IT VERY CLEAR THIS IS NOT AN ATTEMPT TO VERIFY MY PERSONAL INFO also the same day I emailed the same letter to them at the disputes email listed on the PRA website email was XXXX XXXX XXXX I ALSO HAD THE READ/RECEIVED FEATURE TURNED ON AND IT SHOWS READ. I ALSO HAVE THE TICKET FROM THE POSTAL SERVICES THAT I SENT IT BY CERTIFIED MAIL IN THE MONTH OF XXXX XX/XX/2020 YET THEY SAY THEY HAVE NOT RECEIVED IT I FIND THAT HARD TO BELIEVE. IN THE PREVIOUS COMPLAINT MADE IN THE MONTH OF XX/XX/2020 ) THEY HAVE SAID THAT THEY NEVER GOT A REQUEST ( SO WHAT I AM REFERRING To IS THE XXXX REQUEST NOT XXXX ) I ALSO DISPUTED THIS WITH THE CREDIT BUREAUS asking specifically For certain documents as in The original contract signed, tickets for original creditor along with other documents but the flag that was placed by PRA was removed XX/XX/2020 and then added again by PRA on XXXX XXXX 2020 again showing they received my initial dispute for debt validation request letter in XXXX yet none of this was sent to me not even in the response that pra has sent to me in XXXX 2020. I am wondering how they claim to NEVER have RECEIVED THIS REQUEST!! Also they call my job time after time after being asked to stop i do have the recording of me asking them to please stop calling my job and the the PRA lady on the phone says 'oh why you cant have calls at your job? does your boss not allow it? " I said no they don't allow it she said ill make a note of it well the calls continued after and i do have the records to prove it! Along with the recording of the conversation of her saying she will note it and me asking for them to stop calling and the time and date of this call and call logs at my job and the calls made there after asking them to stop calling my job as well yet in the response to the XXXX dispute i submitted they say they have no request made by me to stop calling my job and not only that XX/XX/XXXX when i received a response for the dispute by mail ( the second one made in XXXX not the ! st in XXXX ) the guy I spoke with ( PRA employee ) XXXX who i spoke with XXXX2020 ) asked me to confirm my number i gave him the work number because thats the only number that they had on me and he clearly says but i see a DO NOT CALL ON THAT NUMBER AND I ALSO HAVE A RECORDING OF THIS CONVERSATION AS WELL on this call with XXXX i also ask him for the date that the original debit notice was supposed to be sent to me with in 5 days and he refused to tell me are answer my question and I do have this recorded as well AGAIN NONE OF THE DOCUMENTS I REQUESTED In the XXXX dispute are XXXX dispute have been received STILL TO THIS DAY HAVE NOT RECEIVED ORIGINAL CONTRACT, TICKETS, I REQUESTED ALL I HAVE RECEIVED WAS A BILL WITH THEIR NAME ON IT I HAVE NOT RECEIVED THE ORIGINAL LETTER Dunning letter0 or letter stating that i have the right to dispute this debit within 30 days never have I received this FROM THEM THEY WERE SUPPOSED TO SEND WITHIN 5 DAYS NOW IM SURE THEY WOULD HAVE ALSO SENT THIS 5 Day notice BY CERTIFIED MAIL BECAUSE IT IS SUCH AN IMPORTANT DOCUMENT THEY WOULD MAKE SURE THEY HAVE POOF THEY SENT IT RIGHT? WITH CERTIFIED MAIL SO IM REQUESTING POOR OF THAT 5 DAY LETTER/NOTICE WITH THE POSTAL INFORMATION SHOWING THAT IT WAS SENT WITH DATE AS WELL AS THE ORIGINAL CONTRACT SIGNED AND DATED!! I HAVE OBTAINED AND ATTORNEY AND I DO KNOW MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT AND THIS COMPANY HAS BEEN REPRIMANDED FOR THE SAME VIOLATIONS MULTIPLE OTHER TIMES FOR THE SAME VIOLATIONS BY THE CFPB SO TO BE CLEAR I AM ASKING THAT YOU SEND ME THE LETTER AND POOR IT WAS SENT WITH THE INFORMATION FROM POSTAL OFFICE SHOWING THE DATES IT WAS SENT ALONG WITH THE ORIGINAL CONTRACT I SIGNED BECAUSE YOU OBTAINED THIS DEBT IN XX/XX/XXXX YOU HAVE NEVER SPOKEN TO ME BY PHONE OTHER THEN THE MONTH OF XXXX WHEN YOU CALLED MY JOB REPEATEDLY AFTER BEING ASKED TO STOP AND THE FIRST AND ONLY MAIL I HAVE EVER RECEIVED FROM YOU WAS IN XXXX AND ITS DATED XXXX MEANING THAT THE MONTH OF XXXX AFTER CALLING MY JOB AND SPEAKING TO ME YOU NEVER SENT ME THE DEBT NOTICE WITHIN 5 DAYS REMEMBER I HAVE THE RECORDINGS YOU HAD 5 DAYS TO SEND ME A DEBT VALIDATION NOTICE LETTER YOU ARE TRYING TO COLLECT WITH IN 5 DAYS OF CONTACT WITH ME UNDER THE FDCPA AND OF COURSE SOMETHING SO IMPORT WOULD BE SENT BY CERTIFIED MAIL SO NOT ONLY THE NOTICE YOU SO SAY SENT ME I WANT POOF OF THE DATE IT WAS SENT BY DOCUMENTATION OF WHEN IT WAS SENT BECAUSE I DO ON THE OTHER HAND HAVE PROOF OF WHEN AND WHAT I SENT WITH THE DATES FROM THE POSTAL OFFICE ALONG WITH THE DISPUTES FROM TJHE CREDIT BUREAUS ALONG WITH THE EMAILS ALL ARE DATED AND EMAILS SHOWING READ IN THE MONTH OF XXXX ALSO THE PHONE FROM MY JOB WHERE YOU CALL OVER AND OVER ALSO STATEMENTS FROM MY COWORKERS WHEN YOU CALLED ASKING FOR ME BY NAME AND PICTURES OF THE TIMES AND DATES SHOWING SO I CAN PROVIDE PROOF OF LETTER BY CERTIFIED MAIL IN THE MONTH OF XXXX POOF OF CALLS AFTER BEING ASKED TO STOP CALLING MY JOB POOF OF THE ! ST TIME WE SPOKE IN XXXX PROOF OF EMAILS IN XXXX PROOF OF WHO AND WHEN I SPOKE TO YOU BECAUSE I RECORDED ALL CONVERSATIONS SO THE ! ST TIME WE SPOKE WAS IN XXXX I STILL HAVEN'T RECEIVED THE 5 DAY NOTICE OF DEBT BUT AGAIN PLEASE SEND ME THE POOF THAT IT WAS SENT SHOWING THE DATE ON THE ENVELOPE ARE TICKET FROM THE pOSTAL SERVICE THAT SENT IT BECAUSE BY LAW UNDER THE FDCPA I HAVE RIGHT ASK FOR POOF AND YOU HAVE FAILED TO PROVIDE THIS PROOF YOU HAVE FAILED TO SEND ME WRITTEN NOTICE OF DEBT IN THE 5 DAY PERIOD ALLOWED BY LAW AFTER SPEAKING TO ME YOU HAVE FAILED TO RESPOND TO THE DEBT VALIDATION REQUEST IN THE MONTH OF XXXX ( XXXX/XXXX/2020 ) ALL YOU PROVIDED TO THE CREDIT BUREAUS WAS MY NAME ADDRESS AND SOCIAL SECURITY NUMBER THAT IS FOR FROM POOF OF DEBT I SPECIFICALLY ASK FOR DOCUMENTS AND DID STATE THAT THIS WAS NOT A REQUEST TO VALIDATE MY PERSONAL INFO THIS A REQUEST FOR DEBT VALIDATION YOU HAVE VIOLATED SEVERAL LAWS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT I KNOW MY RIGHTS AND YOU CAN EITHER REMOVE YOUR SELF ALONG WITH ALL NEGATIVE MARKS YOU HAVE REPORTED TO THE 3 MAIN CREDIT BUREAUS ARE I CAN AND WILL SEEK FURTHER LEGAL ACTION ON YOUR COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC XXXX/XXXX/2020
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| 07/31/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that PORTFOLIO RECOV ASSOC had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that PORTFOLIO RECOV ASSOC open account was opened on XX/XX/2021 with a balance of {$470.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package.
They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
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| 02/21/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a complaint for XXXXXXXX XXXX who sold my account that I have been questioning and now Portfolio Recovery Associates who bought the debt that I have been questioning.
Neither company has had much communication with me about this debt they say I owe. Ive sent emails and letters with very little response if any at all.
XXXX XXXX : I have been disputing this " debt '' since XXXX and have got limited response back to my requests to prove the debt is mine and I signed for this debt. I have found several errors in responses they have provided me. which include the following : I was sent a letter in response to my multiple emails and letters from XXXX. In this letter were multiple errors.I sent a letter in return where I have 7 highlighted areas that are numbered 1-7. These highlighted areas are pin pointing issues with this letter I received that I would like to point out.
Highlighted area # 1 : Dear Ms. XXXX. Are they not aware I am a male?
Highlighted area # 2 : This coincides with # 1. They spoke to me on the phone on XX/XX/XXXX. Giving me more confusion about why they would greet me with Ms. XXXX in the letter I received.
Highlighted area # 3 : They stated on XX/XX/XXXX I applied for a XXXX XXXX Credit Card. How do they know this? Were they there? Did they see Security footage of me being there? Did they hear a recorded phone call with me in it applying for this Credit Card? Instead of just telling me I applied for this Credit Card please provide me with proof. The only Proof I believe they have seen is most likely a signature of my name. Which I can guarantee will not be my personnel signature. Which now I would like to request a copy of the Loan application you say I filled out which I NEVER received.
Highlighted area # 4 : Joint Application. On the day XXXX Applied for a loan at XXXX XXXX I spoke with a gentleman over the phone to give him my information to be a REFERENCE on a loan application. Not to be on a joint account. I do not understand how this information was somehow mixed up or confused with. XXXX XXXX can assure you this information that I was not supposed to be on this loan.
Highlighted area # 5 : Address on File. On XX/XX/XXXX I lived at XXXX XXXX XXXX in XXXX XXXX. Was this the address on file? I did not receive any letters, phone calls, or emails about this account from XXXX. I did not find out this Account was in my name until I got a Negative hit on my Credit Report. That is when I started to fight this. I have hired a Credit Reporting Attorney that is also looking into this matter which I also gave them a copy of the CFPB return letter which showed the Errors I am pointing out in this letter.I gave them an updated address thinking maybe I will start getting some letters/notices about this account ( account that I still dont know the full account number of ) being delinquent. Yet, I still havent got any form of contact about this delinquent account besides the letter about the CFPB case that I started. I even considered on offering to pay this debt for XXXX in return to get this off my Credit Report. But, I cant even try that because I have NO information about this account to attempt this. Every effort I make to get any info I am turned down because I do not have enough information to give on this credit card.
Highlighted area # 6 : They stated in this letter that XXXX XXXX did not receive a payment after XX/XX/XXXX. I dont understand this. Please explain to me how payments were not received BEFORE the credit card was even applied for which they stated was on XX/XX/XXXX? Is this error a lack of knowledge of this case or just laziness? Both of these reasons irritate me mainly because this account has ruined my credit report which has affected my life in a negative way very much and no one is even making an effort to help me. XXXX is a large Corporation but of course you know this, these errors and/or lack of knowledge is unacceptable for business practices for such a large company.
Highlighted area # 7 : Charge off as loss on XX/XX/XXXX. How can a Loan be charged off 1 month after the credit card was issued which they stated was XX/XX/XXXX?
I understand typos happen, but in a professional letter that is impacting someones life severely, errors like these should be extremely important to not happen. This makes me think this is NOT important to XXXX and not worthwhile. Which is Unacceptable. I will Not stop fighting this until it is fully removed from my Credit Report. I am documenting everything as it goes on including all the mistakes, errors and lack of communication that XXXX is doing that is impacting my livelihood.
XXXX XXXX then SOLD this debt to Portfolio Recovery.
Portfolio Recovery : I once again noticed a Derogatory mark on my credit report on XX/XX/XXXX. I waited to see if I would get any for of contact from them. NOTHING came. On XX/XX/XXXX I sent an email to communicate with Portfolio stating my dispute with this account since they are killing my credit report but no communication with me. On XX/XX/XXXX I received an email back saying it has been sent over to the disputes department. Since then I had sent the same email to the disputes department 2 times with no response. All while it is killing my credit report. I finally decided to send a debt validation letter to Portfolio and I finally got a letter back, which once again had a major error on it. The letter stated to main account holders name. which is my ex girlfriends name which is who the loan was only supposed to be in. Then it states the main account holders last 4 numbers of social security number. which is the last for of MY ss # not my ex girlfriends. I find it extremely sad that I am reaching out to them to communicate with me with very limited response. You would think it would be the other way around, but XXXX. I have NEVER received any bill saying I need to pay $ XXXX amount. I have requested several times from the start of me disputing this debt that I need a copy of the original contract. which I yet have seen. I want this off my credit report. My credit report doesnt have a single negative make on it besides this " debt ''. It needs to be removed. I will not stop until it is removed.
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| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Dear Sir, I am writing regarding the alleged debt being held and reported by you for XXXX. I dispute this debt. In accordance with the Fair Debt Collection Practices Act, Cease & Desist all telephone calls, faxes and emails to all parties. You may correspond only by mail only to the address listed above.
I am requesting " written validation '' of this debt with competent evidence that bears my signature and shows I have a contractual obligation for this debt with your company, Portfolio Recovery Associates. In accordance with the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, I request that you provide proof that you own this debt as follows : 1. Written documentation with my signature on it showing a contractual obligation with your company, Portfolio Recovery Associates 2. Proof that you are the holder and current owner of this alleged debt. Proof beyond any doubt that you are the proper party to collect this alleged debt, and that you owned this alleged account at the time you began any collection efforts and that this alleged debt has not been transferred since that date.
3. Pursuant to Rule 191.1 of the Texas Rules of Civil Procedure, you need to produce the following documents : a. All documents showing a complete chain of transfer of ownership of this alleged debt from the original holder, through any and all interim transferees, and presently, legally held and owned by you.
b. All documents showing when and how the alleged debt was transferred, the purchase price received, how all the proceeds were applied, that if any credits to the alleged were due, has it been properly given, including any money received from any private insurer, and the balance demanded as now due and owing was calculated.
You need to respond to my request within 30 days with proof that you own this alleged debt, as per 15 U.S.C., Fair Debt Collection Practices Act, Section 1692g, and per 15 U.S.C., Fair Credit Reporting Act, Section 1681i, ( a ) ( 1 ) ( A ).
If you can not produce my signature in a contractual obligation with your company, Portfolio Recovery Associates, and you provide no proof that you own this alleged debt, then I must decline your invitation to do business with you.
If you can not provide me with any documentation showing a valid debt with your company, Portfolio Recovery Associates with my signature on it or any valid proof that you own it within the required Federal 30-day statutory time periods, you will have violated both the Federal Fair Debt Collection Practices Act and the Federal Fair Credit Reporting Act.
Your presumption that you have the legal right to collect anything from me is rebutted. If you feel there is some statute or law that entitles you to force me to do business with you, then produce it. If you feel there is some written agreement between us that gives you the authority to force me to do business with you, then produce it. Any future contact without written proof will be considered CRIMINAL EXTORTION on your part. I will have to act accordingly.
Please be aware that any negative mark on my credit report for a debt I do not owe by you, Portfolio Recovery Associates is in violation of the Fair Credit Reporting Act. Therefore, if you can not validate this debt with my signature on it with your company, Portfolio Recovery Associates, and you can not provide any proof that you own this debt, you must request that all credit-reporting agencies delete any entry being reported by your company. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports.
If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory remarks from my credit reports per the Fair Credit Reporting Act and send me confirmation that you have done so.
Please note that if you fail to respond within 30 days of receipt of this certified letter, I will take legal action against your company for causes of action including, but not limited to, defamation, fraud, criminal extortion and violations under the Federal and Texas Fair Debt Collection Practices Acts & the Fair Credit Reporting Acts.
If Portfolio Recovery Associates does not remove this disputed account permanently from my credit report within 30 days of the receipt of this certified letter, I will immediately bring a lawsuit against Portfolio Recovery Associates in Federal Court for their willful failure the follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In the lawsuit, I will be asking for Statutory Damages at {$1000.00}. Second, there will be Attorney Fees in the approximate amount of {$10000.00}. Third, there will be Actual Damages for Portfolio Recovery Associates willful refusal to remove the disputed account from my credit report that has damaged my ability to obtain credit for myself and my business in the approximate amount of {$100000.00}. Fourth, there will be Punitive Damages for Portfolio Recovery Associates willful failure to follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act law in the approximate amount of 3 times the Actual Damages at {$300000.00}.
Separately, if this matter is still not resolved within 30 days of the receipt of my certified letter, in addition to the Federal lawsuit, I will be submitting the complaint to the XXXX XXXX XXXX until this matter is successfully resolved. Second, I will be contacting the Texas Attorney General 's Office and provide them the complete file for Portfolio Recovery Associates failure to simultaneously follow the Texas Fair Credit Reporting Act law, Texas Fair Debt Collections Practices Act Law, Texas Finance Code, and the Texas Business & Commerce Code. Third, I will also file a complaint with the Federal Trade Commission with the complete file for their review.
By Sending this letter, I am disputing both validities of the alleged debt and the validity of any claims as being reported by you to the credit bureaus. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary.
|
| 12/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear Sir or Madam, XXXX. PORTFOLIO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. PORTFOLIO RECOVERY Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Please see attached for full complaint and proof of my claims XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX and XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX To Whom It May Concern : I AM RESPONDING TO A COLLECTIONS ACCOUNT ON MY 3 CREDIT REPORTS. This letter is regarding a negative inaccurate account which you claim I owe your company {$650.00}. I have never entered into any legally binding payment obligation with PORTFOLIO RECOVERY ASSOCIATES. The negative remark is not coming from XXXX XXXX, but from your company. I also have no contractual obligation to PORTFOLIO RECOVERY ASSOCIATES either. The original charge off from XXXX XXXX, was deleted from my reports and marked as inaccurate ( I am attaching the proof of this with this letter ) and was removed from my credit reports in XX/XX/XXXX.
1. This account was sold to a collections company who has never sent me any notice they acquired it or how they did so. The charge off date on this account is listed as XX/XX/XXXX, while in XX/XX/XXXX XXXX XXXX was reporting this account incorrectly to the bureaus. The debt cant be owned by both companies.
2. This 3rd party collection company is claiming they are a factoring company as stated on my report. This is a false statement. Charged off accounts are not suitable to be factored and dont meet the requirements to call them guaranteed future income.
3. The reason PORTFOLIO RECOVERY ASSOCIATES called themselves a factoring company is so they could lie about the date of the charge off/last payment to make an old debt look new and have it been the most harmful to my credit score as possible. The date of purchase/ownership listed by this fraudulent company is XX/XX/XXXX. When I disputed this account while it was under XXXX XXXX, I received a letter from XXXX XXXX stating they had erroneously sold the debt to PORTFOLIO RECOVERY ASSOCIATES Please note, that your account was sold on XX/XX/XXXX, to Portfolio Recovery Associates Sincerely, XXXX XXXX, on behalf of XXXX XXXX. This is reason enough to remove this account from all 3 of my reports immediately.
4. This account was sold to a collections company who has never sent me any notice they acquired it or how they did so.
This is a formal notice that your erroneous claim IS now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH PORTFOLIO RECOVERY ASSOCIATES NOT CAPITAL ONE, which I have no knowledge of anyways. I want a wet ink signature between myself and your company proving I owe YOU this or any debt you have in my name.
2. What the money you say I owe is for?
3. Explain and show me how you calculated what you say I owe?
4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME.
12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Thank You, XXXX XXXX
|
| 04/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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From XXXX to XXXX, I was living in Idaho. I purchased a home in XXXX Idaho in XXXX. In XXXX, my marriage of 21 years sadly ended due to my spouses substance abuse issues. At the same time, my mom died, I was laid off my job, and I contracted a XXXX XXXX and made me temporarily XXXX and unable to walk without fainting, I was in a wheelchair for 6 months. I had 2 young children and I worked diligently to find resources to make sure we did not end up living in our car. Because my ex-spouse did not pay his portion of child support or any debts, I did not have enough money to pay the creditors. When I was healthy and back to working full time, I was only making {$10.00} per hour as a Substitute Teacher. Although I was working with the bank to get a forbearance, they eventually took my house. In XXXX, XXXX XXXX took me to Court for a XXXX XXXX concerning a credit card debt of around {$20000.00}. Upon seeing I did not have my house or even a bank account, they said they would file a Judgement against me.
Periodically, XXXX XXXX would contact me and when I showed them my financials, they could see I really didnt have the resources to pay against the debt. By XXXX I stopped hearing from XXXX XXXX and the Judgement stopped showing on my credit report by XXXX.
Because I had sustained such a harsh financial set-back from the divorce, it took everything I could do to have enough money to live on. I tried and was unsuccessful in gaining permanent employment and continued as a XXXX XXXX until I moved in XXXX to Washington State.
My daughter had received a scholarship to attend an XXXX XXXX in XXXX, but it did not include living expenses. Unable to help her financially and unable to obtain credit, In XXXX we moved to Washington to use my limited housing budget for her to be able to live at home & go to school. I was also hoping I could possibly earn a better income in a larger city. In Washington I was able to gain temporary contract work, but nothing permanent until XX/XX/XXXX when I was hired as a permanent employee of XXXX XXXX XXXX.
On XX/XX/XXXX, I received a notification in the mail from XXXX XXXX XXXX including documents showing Portfolio Associates were garnishing my wages and taking 25 %. I called Portfolio Associates and they told me that they were representing XXXX XXXX on a Judgement from XXXX. I told them I was not aware that the bank was still trying to collect and asked how they could still pursue this after 10 years. The representative told me that they had renewed the Judgement in XXXX and again in XX/XX/XXXX.
I emailed Portfolio Associates and their attorneys listed on the paperwork, XXXX XXXX XXXX XXXX, Utah. I sent a letter requesting a settlement and/or installment plan that was more reasonable than the 25 % they were garnishing. I also sent a completed IRS Form XXXX showing my income and assets. I explained I was not aware that they were still pursuing this debt and that I was not contacted before the garnishment to be allowed to work out a payment arrangement. Portfolio Associates responded to my email and told me to contact their attorneys who are XXXX XXXX of XXXX Utah ( XXXX ).
I contacted XXXX XXXX and I spoke to their representative XXXX XXXX, Collection Manager XXXX XXXX. I asked XXXX XXXX if he had reviewed my email, and he said yes. He said that they would not accept my offer to settle this. I asked XXXX that if my offer wasn't good enough, tell me what would be workable, he said keeping the garnishment or paying it in full. I explained that I will be without enough money to have housing, and he said they dont care because they are allowed to garnish 25 % had sent me notices.
Interestingly, XXXX XXXX continually repeated that they had notified me prior to the garnishment and that is the reason they wont work out a settlement on this account. He had mentioned that they work with the Sherrifs Office in Idaho. I told him my employer is not located in Idaho. XXXX XXXX said, its because You live in Idaho. I said to XXXX XXXX that I havent lived in Idaho for several years. He asked me where I lived, and I told him I live in Washington State. He was completely unaware that I no longer live in Idaho, and he said, I will have to update the file with your address.
I never received any prior notifications on this garnishment. It is clear that the attorneys office did not know I was no longer living in Idaho and consequently did not send me notification. The last contact was in XXXX. They sent the garnishment paperwork to my employer, and they did not send it to me.
Within 5 months of obtaining permanent employment, this agency decided to garnish my wages and diminish my ability to support my family. I simply dont have the resources for this old debt. I am now XXXX XXXX XXXX, and finding employment is challenging because businesses dont readily hire employees in my age group. At the time this debt was incurred, I had no resources. I was not aware that this debt still existed, and I dont have the ability to pay the entire balance. I offered to pay {$6000.00} by XX/XX/XXXX, if they would agree to remove the garnishment and accept this amount to settle the account. This will take all my savings, but I simply can not afford the garnishment. I also asked that they work with me on a reduced settlement balance and/or a reduced installment plan, they refused.
I need help because the garnishment amount is excessive and I was not notified in advance and was not given the opportunity to settle this matter first. The organization did not notify me and revealed that they didn't know where I lived, they only notified my employer. Also, the debt is from XXXX and I was not aware they were still trying to collect. I don't know if the debt is too old for allowing a garnishment either. Any assistance in clearing this matter would be very much appreciated and urgently needed.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
|
| 11/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2020, {$680.00}, PORTFOLIO RECOVERY ASSOCIATES A account was opened in my name with XXXX XXXXXXXX XXXX XXXX XXXX. A collection account was placed in my name by the collection company Portfolio Recovery Associates. Portfolio Recovery Associate did not provided me with documentation showing me that I have the right validation. I never received a notice giving me the opportunity to send a debt validation letter of the false placed account. Portfolio Recovery Associates has report to XXXX, XXXX, and XXXX. Portfolio Recovery Associates has clearly voilated the FCRA laws.
15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
The XXXX XXXX XXXX sold my contract ( security ) to Portfolio Recovery Associates when the tender of payment was already received through discharge.
3-601. DISCHARGE AND EFFECT OF DISCHARGE.
Primary tabs ( a ) The obligation of a party to pay the instrument is discharged as stated in this Article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.
( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge. 3-602. PAYMENT.
( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph.
( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to pay the note receives adequate notification of the transfer.
( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( XXXX ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.
( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. 3-603. TENDER OF PAYMENT.
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION.
Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.
( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
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| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX. PORTFOLIO RECOVERY Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXXa. XXXXb., and XXXXc. ) as stated below XXXX XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXXa. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reportedXXXX XXXXb. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBAXXXX ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This account was taken out of bankruptcy discharge that it was in for years. Not a single complaint was addressed, not to mention using the pertinent laws to address or state your rebuttal from the actual violations that are brought against your company.
PORTFOLIO RECOVERY ASSOCIATES ( PRA ) is a problem company who thinks they are privileged and can break all the law that were created to be used against them Like the XXXX that I wrote about previously, I wrote complaints that was XXXX TILA violations to the BBB and I requested for PRA to respond to my complaint with pertinent laws that correspond to the specific TILA codes that PRA is in violation of. PRA did not answer XXXX single complaint, that is not good enough and their failure to respond to the relevant terms is an obvious admit of guilt they are more worried bout this very bad publicity being posted to the BBB website is evident of their knowing of the violations ( now the CFPB ), this company has a long rap sheet/ track record of violations and class actions and could be called the Poster Boy company of the Dirty DEBT collector industry. All the phone calls I Received, no comment from PRA, why would anybody in there right mind believe their internal investigations in to this, especially since they didnt address XXXX single complaint.
This so called Debt was part of a Bankruptcy it was XXXX, and for it to come back they are now falling into the XXXX XXXX XXXX XXXX fraud, they have already committed Identity Theft. I have every right to charge PRA the cost of the XXXX x XXXX vioilations multiplied by XXXX for all the violations, which they in Acquiescence of, meaning if they choose to not rebut the violations that they are accused of, then they are guilty of those violations. The debt was XXXX and I never received my XXXX, The fact that PRA canceled this debt with a XXXX on the last Quarter and I didnt receive my B copy is fraud also. This debt is related to the corporate entity and your trying to harass funds from the living natural Man, 15 U.S.Code 1692a ( 3 ). I am the agent for the Principal, I am not the surety. It is a fact, affiant is aware and has proof in the pages provided contain of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ), the principal has never been at such address much less taken residence.
I DEMAND THAT PORTFOLIO RECOVERY ASSOCIATES ANSWER THE FOLLOWING OR REMOVE THE DEBT, if PRA choses not to answer these violations that they commit, I request that BBB XXXX their WRONG-FULLNESS for the world to see, they need to be held accountable, for their illegal ways. The true story is 18 USC 8 the UNITED STATES IS obligated to pay all debt public and private. I am the original creditor because of 12 USC 411. XXXX XXXX will back this up since they wrote the XXXX, and I the living man not the Principal am being harassed.
15 U.S.Code 1692k ( a ) ( 1 ) It is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to PORTFOLIO RECOVERY abusive and deceptive business practices. Like calling and hanging ups over and over, and just sitting on the phone when I pick up, also not telling me who I am talking to. Causing why family distress and fear of grave danger, and causing mental anguish for my kids and my mother who is now passed from the undue stress to speed up her natural process.
15 U.S.Code 1692k ( a ) ( 2 ) ( A ) It is a fact, 15 U.S.Code 1692k ( a ) ( XXXX ) ( A ) states an individual action is a violation worth {$1000.00} dollars for proceeding, however understand 15 U.S.Code 1692k ( a ) ( 1 ) these violations has caused actual damages to me, it has caused me not to be able to get a credit to buy food causing hunger and lowered my immune system, then i fell terribly sick. I was unable to purchase fuel, for my truck to visit my mother one more time before she passed away. The unneeded stress from not having the credit that is my Birthright and that PORTFOLIO RECOVERY recently caused unneeded and unnecessary stress on my mother and so did I by being sick from my immune system being low, this caused my mothers worry for me coupled with the cold I gave her, caused her life to be shorter than it would have been with the credit that I deserve.
15 U.S.Code 1692e ( 8 ) It is a fact, affiant is aware and has proof in THE NEGATIVE CREDIT REPORT TO AGENCY of false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ) .15 U.S.Code 1692c ( c ) 15 U.S.Code 1692d ( 6 ) Notice, it is a fact, affiant is aware it is a violation of 15 U.S.Code 1692d ( 6 ) to make phone calls to a consumer without meaningful disclosures of the callers identity. I, affiant made several attempts to get meaningful and reasonable disclosure from XXXX however I did not receive any meaningful disclosure.
XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) It is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and PORTFOLIO RECOVERY is in violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry.
I am requesting that XXXX, Provide the prior written consent proof from affiant to have his personal information, phone, abode and Social Security XXXX. This is a violation of the 1974 Privacy Act.
please answer with the laws to which pertains to the relevant violations of which your being accused. If you choose not to ( for the second time the previous, BBB LETTER ) THAT will be a omission of guilt, and you must remove the negative reports to all the Bureaus immediately.
True, By : XXXX XXXX XXXX, XXXX UCC XXXX
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir, Ma'am, XXXX. PORTFOLIO RECOVERY Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir/Ma'am, XXXX. PORTFOLIO RECOVERY Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1969 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/21/2021 |
Yes |
- Checking or savings account
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. PORTFOLIO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, XXXX XXXXORTFOLIO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. PORTFOLIO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. PORTFOLIO RECOVERY Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Dear Sir/Ma'am, 1. PORTFOLIO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. PORTFOLIO RECOVERY Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PORTFOLIO RECOVERY and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir/Ma'am, 1. PORTFOLIO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1969 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Portfolio Recover Associates is attempting to collect a debt that is not owed. The debt has been discharged and under federal law PRA is no longer allowed to collect said debt from me and reporting this debt is not considered illegal. Failure to remove this debt from my report will immediately result in a lawsuit against you.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(
4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to
be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX BANK & {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RECOVERY & BAL. {$780.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RECOVERY & BAL. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC bal. {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Portfolio Recovery & BAL. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 12/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC & BAL. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 PORTFOLIO RECOVERY & {$460.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC & {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PORTFOLIO RC bal. {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RCbal. {$440.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting A ct FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PORTFOLIO & {$650.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO & {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PORTFOLIO bal. {$150.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 06/01/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PORTFOLIO RECOVERY IS TRYING TO MAKE ME PAY A DEBT I DO NOT OWE, THEY DIDN'T SEND ME ANYTHING THIS ACCOUNT JUST APPEARED ON MY CREDIT PROFILE, I SENT THEM A LETTER RECEIVE NO RESPOND AFTER 60 DAYS, PLUS THIS COMPANY HAS CALLED MY SISTER WHO STATED SHE WASNT ME AND STILL STARTED TELLING HER THINGS THAT I DONT LIKE TO PAY MY BILLS, ASKED HER FOR MY JOB NUMBER, THREATEN TO SUE ME AND ETC .AFTER SHE EXPLAINED AGAIN IT WASNT ME AND THAT WAS NOT MY CONTACT INFORMATION THEY CONTINUED TO CALL AND WHEN SHE BLOCKED THE NUMBER THEY STARTED HARASSING HER FROM OTHER NUMBERS UNTIL SHE BLOCKED THEM. THIS IS AGAINST THE LAW, I SENT THEM A DEBT VALIDATION LETTER AND THEY SENT NOTHING IN RETURN, I EXPLAINED A BILL ISNT VALIDATION SO DON'T SEND ME A BILL THEY NEVER REPLIED .THIS IS REALLY UNLAWFUL, THEY NEED TO BE STOPPED FOR THESE UNFAIR TACTICS & PRACTICES THEY'RE USING TO MAKE PEOPLE PAY A DEBT THAT DONT BELONG TO THEM.
I AM ASKING THIS COMPANY PLEASE VALIDATE THIS DEBT It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe, please COMPLETELY document and verify the debt, in which you reference to the above account. In regards to this alleged debt, I am sending this letter to request the following documented information from your company : I would like this agency to provide me with the following information in accordance with the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] 1. ) The original or certified copy ( NOT a photocopy ) of the parse syntax grammar document contract signed by the authorized representative of your agency and autographed by myself, that each individual entered into knowingly, intelligently, with full disclosure, and with a meeting of the minds saying that I owe you or your agency payment of this alleged debt, with both your agencies authorized representatives wet ink signature and my wet ink signature.
2. ) Proof that this debt has not been wrote off to an insurance company and claimed as a business loss and redeemed through an insurance claim by the original creditor.
3. ) Proof that this debt has not been sold to your agency for a lesser amount, and if so the amount your company purchased the alleged debt for.
4. ) Your agencies license to lawfully and legally collect debt in the state of LOUISIANA and provide me with your agencies license number.
5. ) Validation of the alleged debt ( the actual accounting showing a loss to your agency ) and the CUSIP number of the alleged debt along with a copy of a completed XXXX and Total Amount Due statement.
6. ) Verification of your agencies claim against me ( either a sworn affidavit or a hand-signed invoice ) 7. ) The original or a true and certified copy ( NOT a photocopy ) of the Original Note or Promissory Note ( Credit Agreement ) under penalty of perjury, that I have with your agency showing my agreement to pay to your company this alleged debt.
8. ) The name of the authorized representative from your agency who has carried out due diligence and what actions s/he has taken in regards to this alleged debt.
9. ) The contract between your agency and the original alleged creditor saying they gave your agency authority to collect the alleged debt with both agencies authorized representatives wet ink signature.
10. ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or proof I was given FULL disclosure of any contract signed between your agency and the alleged creditor.
11. ) Also, pursuant to P.L. 93579, Approved XX/XX/1974 ( 88 Stat. 1896 ) Privacy Act of 1974 SEC. 7. [ 5 U.S.C. 552a note ] " ( b ) Any Federal, State, or local government agency which requests an individual to disclose his/her social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. '' I, hereby demand FULL disclosure of why the social security number assigned to me is used by this agency and what the purpose is this agency uses the social security number.
12. ) The process of how your agency calculated in the fees and interest attached to the alleged debt, if any, and the proof of where I agreed to pay such fees and interest.
13. ) Proof the Statute of Limitations has not expired on this account.
14. ) Verification, if any, that your agency did or did not purchase alleged debt from another debt collection agency.
15. ) Verification, if any, of tax deductions and/or tax-write offs made by your agency or any alleged creditor in regards to this alleged debt.
16. ) Any derogatory reports made by your agency to any credit bureau agency.
17. ) Verify that there is available lawful money to actually pay alleged debt as per the Constitution for the United States, Article 1 section 10 Clause 1.
18. ) If the original creditor is a government agency, ( i.e. County, state, municipal court ) please provide proof that they are following their oath of office to uphold the Constitution for the United States of America by only asking for gold or silver coin for payment of this debt as per Article 1 section 10 Clause 1 of the Organic Constitution for the United States of America.
19. ) Please send me information on my common law remedy to lawfully pay this alleged debt if found that I do lawfully owe any debt to your agency, and my remedy to lawfully pay this debt.
20. ) Please send me any verification that Federal Reserve Notes is lawful money that can be used to actually pay off this alleged debt.
PORTFOLIO RECOVERY IS IN Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act
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| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC & {$740.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO & {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC bal. $ XXXXI am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO RC & {$650.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO & {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO & {$460.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PORTFOLIO bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PORTFOLIO bal. $ XXXX am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The XXXX XXXX XXXX which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX XXXX XXXX XXXX XXXX Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of XXXX XXXX XXXX XXXX XXXX ( XXXX U.S.C XXXX XXXX ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. PORTFOLIO & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act ( XXXX XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries ( XXXX XXXX XXXX. XXXX ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : Portfolio Recovery with for a debt you claim I owe of {$570.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : XXXX. Name and address of alleged creditor.
XXXX. Name on XXXX of alleged debtor.
XXXX. Alleged account # XXXX. Address on file for alleged debtor.
XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Date ( this alleged debt became payable ).
XXXX. Date of original charge or delinquency.
XXXX. Was this debt assigned to a debt collector or purchased?
XXXX. Amount paid if debt was purchased.
XXXX. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow XXXX days for processing after I receive this information.
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| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal from All XXXX Credit Bureaus XXXX, XXXX and XXXX : Portfolio Recovery for a debt you claim I owe of {$460.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding al
l of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 03/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates Sent me an alleged debt collection Letter on XX/XX/XXXX. I responded to the alleged debt on XX/XX/XXXX stating this alleged debt of XXXX is in dispute. Below is the letter sent : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX Dear Portfolio Recovery Associates , LLC : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX, and identified the alleged debt as XXXX XXXX XX/XX/XXXX Please supply the information below so that I have all information : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
Have there been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them.
Have there been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the alleged debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. It is imperative that I hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose by mail only no phone calls. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
Sincerely, XXXX XXXX Portfolio Recovery Associates, LLC Sent a letter back stating that : " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. " This claim is false I never received any documentation of any kind from their company. This issue is not resolved.
As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Please let Portfolio Recovery Associates, LLC know I need the requested documentation on the alleged debt. Until I do this is not resolved and is still under dispute.
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| 10/07/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate
and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You
can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these
inquiries are unverifiable information and must be deleted from out go my credit files.
1. XXXX Account Number
: XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be
Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account
Statement showing Fraudulent Items FTC Notice to Furnishers
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| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : Portfolio Recovery with for a debt you claim I owe of {$100.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account.
Grant me my title XXXX free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 06/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Collection Company : Portfolio Recovery Associates LLC Phone : XXXX Address : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX & XXXX XXXX XXXX XXXX, VA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Portfolio Recovery Associates LLC, its executive management team, in house collection team and any affiliated collection service companies. Currently I ( and members of my family are being attacked regarding a debt tied to my SSN ) via harassment by Portfolio Recovery Associates LLC regarding a debt they currently hold under my SSN.
Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well.
Portfolio Recovery Associates LLC has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX, VA XXXX & XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery Associates LLC is outright refusing to follow the law in order to bolster their fraudulent judgement request. Their relentless refusal to stop their harassment and disclosure of my personal debts to 3rd parties will not be tolerated. Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to bully and harass me into paying a debt that I can not pay they have begun their persistent aggravated contact attempts to my family members and roommates including an onslaught of daily phone calls to my father ( same name ), who lives in a different time zone and they call him daily between the hours of XXXX and XXXX XXXX his local time. They continue to send my father threatening letters and continue disclosing my debt to 3rd parties. I have secured his phone records validating the time of contact and all the numbers can be traced back to Portfolio Recovery Associates LLCs onslaught of robo call spoofing numbers which the company continues to deny using.
Portfolio Recovery Associates LLC is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to discontinue their harassment, intimidation, and contact with my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact.
I feel I am under extreme duress from their relentless refusal to cease their harassment and communications to 3rd parties disclosing my debt. Portfolio Recovery Associates LLC had received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against Portfolio Recovery Associates LLC in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to Portfolio Recovery Associates LLC. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. I am certain they have falsified their records.
In the process of their aggressive collection efforts even after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to my family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my XXXX XXXX state. I have also escalated a formal complaint including documentation to the Virginia State Attorney Generals office for investigation into the business dealings of Portfolio Recovery Associates LLC in my state. Regarding my concerns, I am requesting a further investigation into Portfolio Recovery Associates LLC including a full review of their business practices and detailed audit of other consumer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. Through ongoing talks with a legal advocate attorney who is handling other complaints against Portfolio Recovery Associates LLC, I intend to participate in a class action suit due to their flagrant intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.
|
| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company.
I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : PRA GROUP, INC : FORMERLY-PORTFOLIO RECOVERY ASSOCIATES INC Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g , more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
This is an ALLEGED debt that I do NOT owe.
Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies.
You had no permissible purpose by law to report this alleged debt and have violated 15 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law.
UCC Article 9-210 ( 2 ) is noted below.
9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).
( XXXX ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.
If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation.
Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report.
Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. As a reminder, your company agreed to abide by the rules set forth by the SEC : Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies.
CC : Securities & Exchange Commission Federal Trade Commission XXXX XXXX XXXX of Louisiana CFPB PRA GROUP, XXXX XXXX file number : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Executive Vice President and Chief Financial Officer XXXX XXXX XXXX XXXXXXXX, Chief Executive Officer and Director ( Principal Executive Officer Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Around XXXX or XXXX of XXXX, the debt in question was still held by XXXX XXXX. I had contacted XXXX XXXX to settle the charged off debt. I was transferred to what I assumed was an attorneys office. The agreed upon settlement was made and I was assured that the debt would actually be deleted from my credit report. I figured that this account was taken care of. On my XX/XX/XXXX credit report, the account was reporting as closed by XXXX XXXX. On my credit report dated XX/XX/XXXX, XXXX XXXX had been removed from XXXX and had a last reporting day in XX/XX/XXXX. I assumed that this was removed as part of my agreement made.
I have been in the process of purchasing a new home since XX/XX/XXXX through a builder. At the time I put my deposit down, I was pre-approved for my mortgage. The settlement of the XXXX XXXX account was one of the conditions that I was required to satisfy my contractual agreement with the builder and the mortgage company who is owned by the builder.
My credit had been pulled multiple times during this process. In XXXX my lender had informed me that XXXX XXXX was still reporting. He directed me to contact XXXX XXXX and ask for a settlement letter. When I contacted XXXX XXXX, I was provided with a number to contact number. I contacted your company on XX/XX/XXXX. I was under the assumption that this was the same place I initially made my payment with. You had provided me with an amount in which I assumed was the difference of what was owed. In order to not jeopardize my home purchase, I scheduled a payment. Where I became perplexed was when you provided me with an old address. I had contacted you back and asked you to cancel my scheduled payment.
On XX/XX/XXXX, I had called back and disputed the debt was owed due to the fact that I made and satisfied a payment with XXXX XXXX through the attorneys office I was transferred to.
After multiple calls from you, and no proof furnished to me, I reluctantly settled the alleged debt again to avoid anything that would damage my ability to purchase out first home. Upon final review of my credit profile, I noticed that there was now a debt with a XXXX balance reporting on my credit report which was never there in the first place.
On XX/XX/XXXX, I contacted your company again and spoke with a XXXX XXXX. I had my loan specialist on the line with me for us to try to clarify the situation. XXXX acknowledged the timeline of events as follows : -Portfolio Recovery acquired this debt on XX/XX/XXXX.
-Portfolio sent my debt validation notice to an incorrect address on XXXX.
-I had contacted you ( per the direction of XXXX XXXX ) on XX/XX/XXXX and setup a payment.
-I called back within 30 minutes of the call and cancelled my payment ( because something didnt match up ) -On XXXX I called you back to dispute the validity of the debt ( again, because I paid it already ) -On XX/XX/XXXX you deemed the debt was valid based on a letter that was allegedly sent to me via my correct address from XXXX XXXX directly on XX/XX/XXXX.
-You allegedly had attempted to contact me and/or made contact with me on multiple occasions and I held my stance the I wanted this account disputed because it was paid already.
-On XX/XX/XXXX I setup a payment arrangement because the fight over losing my home and dreams was not worth the headache of a couple hundred dollars.
-On XX/XX/XXXX my payment was made and the account was settled.
I feel this is a complete UDAAP violation.
Its unfair because Ive now paid two creditors for the same debt. This is a violation of FCRA. Furthermore, after speaking with XXXX, I was transferred to a supervisor by the name of XXXX XXXX who clarified that he thinks a payment couldve been made since the original debt was {$460.00} and the charged off amount sent was {$340.00}. XXXX, who is not an employee of nor collecting on behalf of XXXX XXXX stated it would be highly unlikely that they would settle for {$120.00}. The only documentation that Portfolio Recovery has from XXXX XXXX is a statement dated from XXXX to XXXX of XXXX and the alleged letter that was sent to me from XXXX XXXX. Per XXXX, the statement ending balance on that statement was {$460.00} which supports my claim that I had settled this dept.
Its deceptive because they only stated that this debt is valid and didnt provide me with any proof of their findings. It wasnt until the XX/XX/XXXX phone call when XXXX stated it was deemed valid because of the alleged letter from XXXX XXXX. I feel like Ive received multiple different answers on multiple phone calls with nobody truly addressing the issue at hand.
Its abusive on the grounds that I risk losing a {$5000.00} deposit through the lender for not being able to maintain my credit. Furthermore, we have already informed our landlord that we will be vacating our property and it has already been rented out. I now risk trying to find a place to live that will be around the cost of my proposed mortgage payment. This is why we are buying in the first place. The rent our current place is considered low and if not easily manageable with a large family.
Your acts are in clear violation of FCRA and your business practices have done nothing to physically prove to me there wasnt a payment made, that fact that you can clearly see different balances, had I not called XXXX XXXX on the direction of my lender ; this couldve been worse as I wouldnt have had an opportunity to dispute the validity of the debt. As soon as you collected money from me, you have washed you hands of everything since you have got paid.
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| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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To Whom it May Concern : I am filing this complaint with regard to a debt collection agency by the name of PORTFOLIO RECOVERY ASSOCIATES, LLC.
Several years ago I had an unsecured credit card issued by XXXX XXXX ending in XXXX for the amount of {$500.00}. Due to a recurring medical situation beyond my control, I was unable to pay it back, and it went into collections.
When I originally noticed it on my credit report I saw that I was being charged {$650.00} instead of the maximum credit Limit of {$500.00} ... .And There was absolutely no way that I couldve gone over that {$500.00} dollar credit limit because once the card reached the maximum amount of {$500.00} I was not able to use it anymore!
And ... PORTFOLIO RECOVERY ASSOCIATES, LLC is CLAIMING that I owe them {$650.00} and states that the OPENING DATE was XX/XX/XXXX when in fact the original account with XXXX XXXX was opened somewhere around XXXX and I first noticed it on my credit report in XXXX of XXXX after it was taken off from another debt collector and I was so confused because I was NEVER sent any letters or documentation of notification that anything was changed until I recently started disputing the charges and then PORTFOLIO RECOVERY ASSOCIATES started sending me some letters with the XXXX XXXX logo on it and a wrong address and phone number that all goes back to the PORTFOLIO RECOVERY ASSOCIATES offices? The whole letter is definitely doctored up and forged with falsified information as well as the credit card receipts they sent me that I have NEVER received prior to my recent communication!
I first filed a dispute in XX/XX/XXXX with all 3 credit bureaus for PORTFOLIO RECOVERY ASSOCIATES, LLC and they continue to deny the charges and keep putting it back on all XXXX of my credit reports! Even after the credit bureaus assured me that the information I gave them was correct and it would be removed from my credit report!
Then ... I started to do some research and received some additional information from a representative at THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) which states : A DEBT COLLECTOR MAY NOT COLLECT ANY INTEREST NOT AUTHORIZED BY THE AGREEMENT OR BY LAW So I filed another dispute by phone with all three credit bureaus and once again received no support and PORTFOLIO RECOVERY ASSOCIATES still remains on all three credit reports and I just keep getting the same response over and over again from them!
This all started in XXXX and I am so frustrated and sick because Im just trying to rebuild my business which was thriving and becoming very successful prior to my accident and brain injury.
Since they are required by law to send me a letter informing me of any changes and give me 30 days to ask them for proof that it is actually MY ORIGINAL ACCOUNT, instead PORTFOLIO RECOVERY ASSOCIATES continues to send me the same doctored letter from XXXX XXXX from XXXX as if the account had just been closed? I NEVER received that letter or anything from XXXX XXXX and the XXXX XXXX logo did not even have the correct information, address or phone number of the original creditor, XXXX XXXX! I did try calling XXXX XXXX and they no longer had the account on file.
XXXX*PORTFOLIO RECOVERY ASSOCIATES continues to send falsified documents and information stating that I owe them {$650.00} when the documents clearly state that the limit on the card was {$500.00}?
PLEASE SEE ATTACHED : DOCUMENT A XXXX. The XXXX XXXX phone number directs you to the offices of PORTFOLIO RECOVERY ASSOCIATES 2. The alleged XXXX XXXX bill they sent along with the dispute response is a fake bill which I never received and does not even have my apartment number on it, which I always include on anything that is addressed to me.
3. One portion of the fake XXXX XXXX bill says that my PREVIOUS BALANCE was {$650.00} and with FEES AND INTEREST is {$660.00}? If thats the case, then why are they only charging me {$650.00} on my credit reports?
4. A Balance of {$650.00} with an APR of 19.80 % should be around $ XXXX.not {$13.00}?
5. THE BILL CLEARLY STATES THAT MY CREDIT LIMIT IS {$500.00} WITH AN AVAILABLE CREDIT OF {$0.00} ... NOT {$650.00}!!
DOCUMENT B 6. A second confirmation that my original credit limit was {$500.00} and NOT {$650.00} DOCUMENT C 7. THE FAKE LETTER that I have been receiving with ALL of the contacts leading directly back to PORTFOLIO RECOVERY ASSOCIATES!
8. No company would write that : XXXX XXXX is a federally registered service mark after the Copyright sign?!
In closing, I am not someone who has tried to use the system and I unfortunately had a bad accident which set me back several years. But I truly believe that after diligently trying over and over again to reach some kind of resolution or compromise with no flexibility on the part of PORTFOLIO RECOVERY ASSOCIATES, that I have been wasting my time when all I want to do is move forward and NOT be charged additional fees or continue to have this mark on all three of my credit reports! Especially when I was NEVER even given the option to appeal, negotiate or confirm that It was my account! At this point the only thing holding me back from obtaining any type of business loans are these few old debts! And these companies DO NOT WANT TO WORK WITH ME OR MAKE A FAIR SETTLEMENT!! And this is why I am seeking help and reaching out to CFPB and would sincerely appreciate some help in trying too move forward once again.
I have enclosed several documents in support of my complaint Thank You for your time and support!
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| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To Whom It May Concern : First, this is a disclaimer to let you know I, XXXX XXXX, wrote this letter and not a credit repair company.
I received a copy of my XXXX, XXXX and XXXX credit report, and noticed a collection that needed to be deleted. The item is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Debt Collection Practices Act or 15 USC 1692g , more specifically 15 USC 1692a - Definitions, debt is defined as follows : ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
This is an ALLEGED debt that I do NOT owe.
Pursuant to 15 USC 1692g, I have the right to verify a debt, and this is an ALLEGED debt that I do NOT owe, therefore : this INACCURATE information needs to be DELETED from all consumer reporting agencies.
You had no permissible purpose by law to report this alleged debt and have violated XXXX5 USC 1692g - Validation of debt because you failed to satisfy all 5 requirements, which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I am not requesting a statement of generalized accounting, as this would NOT be accurate because it is NOT an authenticated record. I am demanding a request for accounting, pursuant to the Uniform Commercial Code ( UCC ), which is recognized as commercial law.
UCC Article 9-210 ( 2 ) is noted below.
9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).
( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.
If your agency is having a hard time understanding the law, my request for an accounting means the request for an accounting you provide me must be signed by someone under authority in order to VALIDATE/VERIFY the information in the instrument ; this is the meaning of what a record authenticated means. A record CAN NOT be authenticated without being signed by someone under authority. If you cant send me an actual ORIGINAL contract with my signature on it, you have no right furnishing this inaccurate information and not only have you violated my right to privacy, but youve violated various statutes of BOTH the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) simply by reporting this alleged debt. Im not sure if you know, but violations of these sections make you liable for at LEAST {$1000.00} per violation.
Even if you satisfy all 5 requirements, I am the one that has the right to verify whether it is my debt or not and as I have previously stated this is an ALLEGED debt that I do NOT owe. I have sustained defamation of my character as a result of this information and am demanding you to delete the above accounts from my consumer report.
Furthermore, I demand that you CEASE and DESIST all efforts to collect on this alleged debt and may only communicate with me further under the stipulations of sending me a letter with this alleged account deleted. As a reminder, your company agreed to abide by the rules set forth by the SEC : Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
You have 14 days to respond upon receipt of this letter to delete the negative items and send me a new letter, notifying me that the information has been deleted from all consumer reporting agencies.
CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
|
This is a response letter in reference to a summons/lawsuit letter I received on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates.
Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
There is mention of multiple companies in the documentation you sent : XXXX XXXX XXXX Portfolio Recovery Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am aware that section 609 of the FCRA requires that you provide me with a contract bearing my signature. Please forward me all signed documentation on this account and verifiable proof of this account belonging to me.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Has your firm done research and due diligence in reviewing original account-level documentation confirming the alleged debt?
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you only for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion.
Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above required proof. ( which, I am allowed under the FDCPA ) If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Furthermore, I see CFPB took action against Portfolio Recovery Associates, XXXX XXXX, and XXXX for violating the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. See attached.
I believe Portfolio Associates has violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act and have filed a formal complaint with Consumer Financial Protection Bureau XXXX
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This is a response letter in reference to a summons/lawsuit letter I received on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates.
Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
There is mention of multiple companies in the documentation you sent : XXXX XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that section 609 of the FCRA requires that you provide me with a contract bearing my signature. Please forward me all signed documentation on this account and verifiable proof of this account belonging to me.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Has your firm done research and due diligence in reviewing original account-level documentation confirming the alleged debt?
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you only for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion.
Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above required proof. ( which, I am allowed under the FDCPA ) If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Furthermore, I see CFPB took action against Portfolio Recovery Associates, XXXX XXXX, and XXXX for violating the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act. See attached.
I believe Portfolio Associates has violated the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act and have filed a formal complaint with Consumer Financial Protection Bureau XXXX
|
| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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On XX/XX/XXXX, I requested my credit reports from all three major credit bureaus. I went over all of them with a fine-tooth comb and found several errors, wrong dates, wrong amounts, the same accounts listed several times under the original card holder-with the amount, and a collection agency with the same account and different amounts. The same account should not be listed more than once first of all. I tried to set up a payment plan with Portfolio Recovery Associates, LLC through a phone call on XX/XX/XXXX to discuss what I was seeing on my credit report as well as some issues I had with the account information. I asked to speak with a supervisor because the agent told me that not only did I have one account but in fact had two. I stated that was not true and that I had new credit reports from all three major credit bureaus on XX/XX/XXXX, I requested my credit reports from all three credit bureaus. I went over them all with a fine-tooth comb and found several errors, wrong dates, wrong amounts, the same accounts listed several times under the original card holder-with the amount, and collection agency with the same account and different amounts. I was transferred to a supervisor who brought up an account that was opened in XXXX by XXXX XXXX and also gave a XXXX date as well. I stated this account was not mine and at no time during this time did I open an account BUT even if I had the 7 year period had long passed not was it listed anywhere on any of the three reports I have. The supervisor got aggressive and I ended the call after I asked several times for the account number, account info or where it was sent to collections and with whom. The supervisor refused to give me the account number and I ended to call.
I called back on XX/XX/XXXX the same day inquiring about the original account that is listed on my credit report on XX/XX/XXXX. The account number is XXXX in the amount of {$550.00} and the original card balance was {$250.00}. I asked questions about the amount as well as the dates provided and again the XXXX XXXX account from XXXX was brought up and being pushed on me to pay. I asked for the account number again and was given a four digit number as the account number because I had already been given the XXXX account number I knew the information I was being given was false, a lie and the 7 year mark had already passed, which I again stated, I feel and know that if I had not known this information this company would have nailed me with an account that was not mine and that had been turned in well over 10 years ago. I knew after this conversation that this company could not be trusted nor would they be honest with me about my account because they lied to me, tried to manipulate me, refused to give me account details, lied about an account that does not exist or is trying to collect on a debt that is well over 10 years old and is trying to manipulate me in to paying. It is not mine. Period.
I decided I would go online and look at the details there in order to move forward in clearing up my accounts ; if any. I saw the XXXX card and the original amount ; and I decided to make a payment on the account and dispute the dates and the amount I saw from the collection agency and thought we would work it that way because of the dishonesty and manipulation. I made a payment on my MasterCard ending in XXXX ; I have attached the screenshots of the payment and it shows the amount, the date, the last 4 digits of the card I used which is XXXX and a payment confirmation number which I also am including. The number and card they actually used was a Visa Card XXXX this is the full card number and as you can see ends in XXXX and is an XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have also attached the statement for both cards. The visa card ending in XXXX was never given to Portfolio Recovery Associates, LLC at any time ; ever. This information was given to Portfolio Recovery Associates, LLC by XXXX XXXX XXXX on XX/XX/XXXX without my permission, who lied to me about it and stated they would never do such a thing! I stated to Portfolio Recovery Associates, LLC that I had proof of my payment made to them online with the card ending XXXX, a conformation number from them, the amount and I wanted to know what was happening because I contacted the bank and they knew nothing about any pending payment to Portfolio Recovery Associates, LLC ; nothing was listed from them at all. This did not make sense to me all, which I expressed. I questioned them as to what was happening and they stated my payment was under the card- MasterCard ending in XXXX ; I stated are you sure? The agent replied yes. I informed her she was being dishonest again because I had their company name listed on my online bank statement with a pending amount on card Visa XXXX ; I asked how they got this card information because I did not give it to them at anytime, I also informed the agent that I wanted to send my bank statement with the information and I knew how they got my information and it was illegal. XXXX XXXX XXXX had shared my bankcard information with them without my permission. They still denied what they did and stated if XXXX XXXX XXXX did share my bank information it was not their fault ; they did not share my information it was in fact XXXX fault and theirs.
I want full legal action taken in this matter to the full extent of the law.
Thank you XXXX XXXX
|
| 09/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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Please see CFPB complaint # XXXX and current CFPB complaint # XXXX. As I have previously asserted I do not owe Portfolio Recovery Associates any unpaid debt due to XXXX XXXX BREACH OF CONTRACT/AGREEMENT. Portfolio Recovery Associates recently mailed me a letter which they claimed debt validity ; however, their letter dated XX/XX/XXXX and the attached XXXX XXXX billing statement just affirm and solidified why I do not owe PRA any unpaid debt as a result of XXXX XXXX BREACH OF CONTRACT/AGREEMENT and that original CFPB complaint which was prematurely closed is true. As I have stated all along, the original XXXX XXXX billing statement for the billing cycle of XX/XX/XXXX thru XX/XX/XXXX shows an outstand balance of {$760.00} and when we subtract my payment to XXXX XXXX of {$48.00} dollars as previously arranged with XXXX XXXX which they offered me as a means to bring my account into good standing and to avoid my XXXX XXXX credit card account from being charged off, we are left with a balance of {$710.00}. PRA has reported to the Credit Bureaus that the original balance as " {$710.00} '' as you can see by my attachment during a recent credit dispute I filed with XXXX, Portfolio Recovery Associates were fully aware for the " INCORRECT '' and the alleged debt amount which was presented to them during the before and after dispute results. The previously owed balance to XXXX XXXX prior deletion and what PRA included in a recently letter is {$760.00} minus the " {$48.00} dollars '' paid to XXXX XXXX in order to avoid Charge off of account ending in XXXX ( Please find attached the XXXX XXXX repayment offer/agreement along with my XXXX XXXX XXXX XXXX statement as proof of the breach of contract ) which explains why the this account was deleted as part of a previous dispute with XXXX XXXX. This account should have never been sold to Portfolio Recovery Associates since legally is it not a collectible debt due to BREACH OF CONTRACT/AGREEMENT. There was and still is only one solution as remedy for this error and that is full and complete DELETION. Furthermore, and as everyone can see, the previous debt amount is all over the place, {$760.00} which Portfolio Recovery Associates recently attached to their validation letter, {$710.00} which Portfolio Recovery Associates has always maintained and pursued and {$710.00} which was the previous debt amount until it was deleted from my credit file/report as a result of credit/debt disputes due to breach of contract by XXXX XXXX. Fact is, I can not owe a debt if a debt was previously deleted due to the original creditor failure to stand behind their agreement. No court would every uphold any claim by PRA or any third party debt collection agency where a breach of contract was made. It is a direct violation of state and federal contract law and a violation of consumer protection laws. and regulations. Unfortunately, PRA will find no remedy by pursuing a debt which I do not owe to them or anyone else but must pursue relief with XXXX XXXX for whom they purchased the illegal debt. For me, it is not about the money but rather the principal and the adverse negative impact this un-owed debt has cost me in credit rating. I would be more than happy to pursue a remedy using the legal system including court if CFPB and/or Portfolio Recovery Associates can not find a fair solution based on all of the evidence I have provided which supports position. I am not afraid to use the legal system to seek relief given CFPB lack of desire to apply the law and properly investigate my claim/complaint " AND NOT SIMPLY CLOSE MY COMPLAIN '' upon receiving any response for PRA. I have the original email agreement from XXXX XXXX and bank statements which shows that I made the required minimum payment of {$48.00} dollars to XXXX XXXX ( {$760.00} - {$48.00} = {$710.00} ) to avoid the account from being charged off. A payment of {$48.00} was made before XX/XX/XXXX but posted to my XXXX XXXX XXXX XXXX account on XX/XX/XXXX and as previously attached DISPUTE results which indicated a FULL DELETION as a result thereafter was warranted. And finally, as I have stated previously, I welcome PRA to take me to court so that I can have this un-owed debt fully discharged. Because I have no intentions of paying a debt I do not owe which was previously DELETED from my credit report as a result of a dispute with XXXX XXXX. Portfolio Recovery Associate recently stated in their response to a previously closed CFPB complaint that they found on evidence of a deletion although I'd attached the dispute result and subsequential DELETION in a previous CFPB complaint. This shows a blatant disregard of evidence by CFPB and a their lack of desire to protect, " ME '' the consumer whose right are being violated. For the last time, I am requesting that CFPB fully investigate my claim and pursue these violation of law as it pertains to consumer protection against unlawful pursuit of un-owed debt. My next option is to seek legal remedy against BOTH CFPB or Consumer Financial Protection Bureau for ignoring my rights under the law by not properly investigating my complaint and Portfolio Recovery Associates for continuously pursuing a debt not owe to them based on the original breach of contract by the original creditor XXXX XXXX and ignoring the previous DELETION of debt by XXXX XXXX which was previously verified.
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| 06/19/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX RE : account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : A t this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, i f any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must ceasesuch time all collection activity must cease and desist.and desist.
Also, during this validation period, if any action is taken which could be considered Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting reposThis includes listing any information with a credit reporting repository that could be itory that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the If your company fails to respond to this validation request within 30 days from the date of your receipt, all rdate of your receipt, all references to this account must be deleted and completely eferences to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.me immediately.
I would also I would also like to request, in writing, that no telephone contact be made by your like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and communication with me, including but not limited to computer generated calls and calls or correspondenccalls or correspondence sent to or with any third parties, it will be considered e sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that y It would be advisable that you assure your records are in order before I am forced to ou assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX.
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| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The more I go through my banking statements the more I am starting to see that my bank account information was leaked to criminals who saw big deposits going into my bank and a lot of auto pays set up. So they picked a few and were able to get the money released from the bank and it then went towards paying someone elses XXXX XXXX account and my account not actually given credit for the payments received. Though it showed receiving payments but heres the facts. I had two XXXX XXXX/XXXX consumer creditvaccounts. One had a hot tub on it for XXXX dollars and change and I was set up on auto pay to pay out XXXX each month. The accounts were opened in XX/XX/XXXX and XX/XX/XXXX. The other account had small balance of 800-900 dollars n change on it. I know interest made it a bit more but not that much more. Not 6,800 + more and 1,800 + more. So my husband had that bank account and we had separated and I know that these accounts were to be paid off. I totally forgot about them and received no notices about them. One day my husband tells me that that bank account these auto pays paying on was over drawn and XXXX XXXX was also processing without our authorization XXXX electronic checks. Well I went online and looked at my XXXX XXXX account. Very high balances so I called XXXX XXXX immediately and discussed the problem. They issued me new charge cards and were to look into for me. It was agreed that I didnt owe anything else on my account but I made one last payment to them because I trusted XXXX XXXX and was going to pull auto pay from the accounts. Then for some reason I went back on my XXXX XXXX accounts page and searched for transactions and saw many with even high dollar amounts that when you clicked on them had nothing to show for merchandise. So I called XXXX XXXX again. I told them the situation. This was same time their data breach news just became public. My husband said he would check with the bank and see what the deal was. I had no idea this was going to become a nightmare for me. I received no notices from XXXX XXXX. I went to look up my account with XXXX XXXX and couldnt get into my account. I figured thats because they closed it doing their investigation. I heard nothing from them. Im having other problems banking wise, I do a fraud alert and credit freeze in XX/XX/XXXX and I had done same in XX/XX/XXXX. I just know that I had a plan to pay everything off and suddenly my credit report shows balances on what Ive paid off. Small amounts but none the less I know my husband didnt charge anything. He made enough money he didnt need to do that. Anyway I never thought of how I get back in to show the charges with no merchandise if XXXX XXXX closes account. Again I trusted XXXX XXXX Then last year I check my credit report after not viewing it in awhile and XXXX XXXX is showing these large amounts.. I figure its just an error since I havent received any word from them. I try to get it fixed with credit reporting agency and they deny me. I am able to remove the second social security number off my report and incorrect addresses and spellings of my name. But all trying to fix XXXX XXXX did was wake up people to fact Im trying to correct these errors. My credit report is a nightmare. All wrong. Its very overwhelming. For over 30 yrs I had perfect credit. Its like Im on a list or something. Well last XX/XX/XXXX I get served court papers from a collection company on this problem with XXXX XXXX and these charges that had no merchandise attached to it. This is the first time I even heard of this company. Never received a notice from anyone about it just saw the error on credit report and tried to fix it. Then right after that here comes PORTFOLIO RECOVERY ASSOCIATES WITH A COURT FILING AGAINST ME FOR MONEY I DO NOT OWE. They never validated or verified the debt they claim I owed. They just went straight to court with it. I went and got bank statements and I went and filed an answer to their complaint. I said I didnt make those charges and explained the situation. Then a few months after that I get call from someone from portfolio recovery and I explain best I could about all the auto pays and how the accounts were paid off. She didnt ask me for money after that. In mean time my sons in car accident and I go to court in XX/XX/XXXXon this suit and I have to have it continued because Im still so overwhelmed as to how this company cant show the charges because if they could they too would see what alerted me to contact XXXX XXXX in the first place. They see blank purchases and just high dollar amounts. I dont know if its bank or XXXX XXXX I just know XXXX XXXX says it the accounts been charged off and sold and I have to go through the nw owner. Im like but you guys shouldnt have charged it off. I was never late. The statement Portfiliio Recovery claims is their proof I owe the money shows I was never late on payments because it was set up on auto pay!!!! Auto pay is a scary thing. Ive learned a lot from this this. My court date is in a week. A week ago I get four calls from numbers portfolio recovery the forth call I answered and they asked for someone else. Then yesterday I get a call from portfolio harassing me to pay them. I ask them for charges and all transactions and they say they cant do that. Well what the XXXX. How can they say I owe them money then.
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| 11/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. Portfolio Recovery Associates, LLC has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries.
Portfolio Recovery Associates, LLC has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery.
Portfolio Recovery Associates, LLC committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery.
Portfolio Recovery Associates, LLC also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation.
Portfolio Recovery Associates, LLC was also sent a Bill of Particulars, Affidavit of Truth, and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c ( c ) ( 2 ). Portfolio Recovery Associates continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe.
I demanded that Portfolio Recovery Associates, LLC send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). Portfolio Recovery Associates, LLC responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Portfolio Recovery Associates, LLC gave a response that was not sufficient as they did not provide all the information requested above.
I have also contacted XXXX XXXX for the above information which I have yet to receive from them and XXXX XXXX also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction.
Portfolio Recovery Associates, LLC has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that Portfolio Recovery Associates, LLC stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. Portfolio Recovery Associates nor XXXX XXXX no longer has my written permission to furnishing my report with this false information.
The United States government created a bond on me ( which is my birth certificate ) with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with XXXX XXXX. Security which covers all obligations or alleged obligations which is that of the United States government.
Pursuant to 31 USC 3718 Portfolio Recovery Associates, LLC has to have a contract with the Treasury in order to even collect an alleged debt which Portfolio Recovery Associates, LLC does not have.
I also informed Portfolio Recovery Associates, LLC that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today Portfolio Recovery Associates, LLC is in default and the necessary actions are being taken against Portfolio Recovery Associates, LLC and XXXX XXXX XXXX.
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| 10/23/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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on XXXX/XXXX/XXXX I authorized my wife to speak Portfolio Recovery on an account they obtained from XXXX XXXX XXXX Original Creditor Stating that I owed a balance of XXXX My wife specified she wanted to settle this account in full if the payment was to bring the account to a XXXX balance. We explained to them that we are a family of five living off of XXXX and other state programs at the moment. Therefore no other payment agreement would work. Although I had never received written notification about this debt and validation of the amounts they say I owe or a even a signed original contract from portfolio recovery I was trying to take the initiative and close out the account. After we repeated and confirmed the settlement of XXXX to close the account for a XXXX balance. We went on to discuss payment methods. My wife wanted to use her debit card to pay it immediately but the rep said because of the age of the debt and the statute of limitations they could not sue he would need to use a checking account. Being that we had done our researched and read where Portfolio Recovery Assoc was ordered to pay back over XXXX XXXX and a penalty of XXXX XXXX back in XXXX due to inaccurate, lacking documentation, or unenforceable collection practices. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. This left us very apprehensive when providing our banking institution knowing the bad practices merely two years ago. But trying to be a good Samaritan and settle we proceeded with our last savings from our family to put this behind us. We did request a letter be emailed to us about the agreement and they rep stated it was sent just give it 15 mins if not call back. We proceeded with payment information via our account and authorized the payment for XXXX on XXXX. Still at the time we had not received our letter confirmation of settlement of the account. We called back 1 hr later only to be transferred to someone who said they see where it just had been sent and we checked and we received nothing. The next day we called again and was told oh no we do n't email anything after the rep promised us we had settled the account to XXXX and the email was an option as our proof of confirmation of payment. We were furious feeling like we were taken advantage of on a unvalidated debt that we never received one letter about or any proof or anything that this balance was ever XXXX just was taking their word as the debt collector not knowing that they would yet again make false statements and deceive us as the consumer. Even after confirming the financial hardship with them. Not only did they not honor the agreement to settle the account but I received a letter in the mail stating that I authorized them for reoccurring debits in the amount of XXXX. They were trying to collect this balance in full when they may have paid XXXX for this account to XXXX XXXX.This was not a part of the agreement they never emailed me the documents of settlement I called 3x and they did not respond promptly. This company lied and illegally setup a payment plan that nor myself or my wife agreed to furthermore I never received a letter to dispute the debt or proper validation of the debt it just appeared to my credit reports. This is why consumers do not trust companies as such because they lie and they cheat consumers out of thousands of dollars when in fact they have paid pennies on the dollar for these accounts. Not only did they falsify information they did not honor the settlement agreement and bring the account to XXXX and provide letter of our verbal agreement. this company continues to practice illegal debt collection and falsify information. Why would I authorize a reoccurring debit in the amount of XXXX on an account that is outside of the statute of limitations and has n't been validated and I was doing my due diligence by settling the account that im not liable for and they have taken advantage of me and have abused my spouses account information for unauthorized reoccurring debits that she did not agree to. After Speaking with a branch Manager they advised my wife and I that they were concerned that we had not received any proof of payment and sounded like a fraudulent transaction deal. Not only did they freeze our account they closed it out due to the manager having encountered previous consumers dealing with the same situation where the consumer account had been overdrawn by 1000s of dollars from debt collectors. If Portfolio Recovery does not correct this situation and close this account altogether we will be forced to pursue legal actions against portfolio recovery services. Please see the attached Documents showing how they falsified reoccurring debits and did not bring the account to XXXX just reported that we were only making a payment to this balance.
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| 01/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed accounts, that are not correct. With all bureaus.
more than one time. For years now. The original creditor was XXXX XXXX. Then they created account for XXXX XXXX. Then portfolio recovery. They have tons of companies under the name portfolio. This is a scam and is against regulations. This is fraud in setting up these corporations as a arctic to manipulate the credit scores. To cause serious damage to score. To cause future interest rates and fees being higher than pawn shops. This is deceptive practices.
Portfolio recovery shows four accounts. Two accounts they have under portfolio recovery. The next is under XXXX XXXX. This should not show for two open accounts for one account. This is done maliciously to hurt the credit score. To manipulate the credit score and worsen the chances for future jobs and credit. This keeps me from being able to rebuild my credit to borrow money to pay off the original collection. That they show is over double the original maximum credit amount.
Portfolio recovery and XXXX XXXX uses this tactic to show I opened two more new accounts. They know this kills the credit score and doubles the damage. Which is manipulating the credit bureaus and credit score and causes long term damage. Even after debt is settled. These accounts remain to lower credit score and to keep consumer in their high risk interest rates and fees. For the initial creditor to lend new money, for the debt to be collected in excess by portfolio. Which keeps portfolio in business and creditor get higher interest. In future new accounts being offered.
It should not show the full amount due, in the payment box. It still shows the monthly payment due on four accounts Then it shows again on the new accounts with over double the maximum credit limit as my monthly payment amount due for the monthly payment.
It is not right to show I have opened this second account. Only one account should show for one account due. This is a tactic to worsen score by showing a huge amount due in the monthly payment box. For a new account that I never authorized to open.
Also it hurt the credit score worse for showing over the credit limit and shows I am at maximum of credit limit. Which also looses points. For each one of these issues. They know if the balance shows at or above limit. It lowers points. Which they show 4.
I can not get any loans with these monthly payments showing huge monthly payments, over the limit or at the limit on new account created to do this. If cresitor decides to sell this account. Only one account should show. Now it shows as a charge off on one account. Then it shows as another new opened account with a new company. Portfolio recovery and XXXX XXXX is one company. The initial debt was with XXXX XXXX. Not these two portfolio corporations created to manipulate the scoring system and leave The new fake accounts to hurt scores into many years into the future. Also employers see four collections.
Showing four accounts in the charge off, over limit, inaccurate monthly payments, inquiry, collections duplicated etc.
This really hurts a consumers credit score showing a new account being delinquent.
I lost my job at XXXX due to these multiple accounts being duplicated by portfolio recovery, XXXX XXXX and XXXX XXXX. I can not get another job in my industry and I can not get any loans to pay these off. Because XXXX one, portfolio recovery and XXXX XXXX are making the score drop dramatically by showing a new account being in collections and past due for a huge amount monthly.
I believe this is unfair and unethical business practices, fraud, false reporting, manipulation, untrue statements, internet and mail fraud. They know this will cause the score to drop much farther. Than if it just showed one delinquent account. Portfolio recovery shows R9 chargeoff But portolip XXXX shows they started duplicating the reporting in 2016. This has been killing my credit for several years and does not allow me to enter back into my occupation. They reported both accounts at the same time.
I believe this is fraudulent behavior. It is inaccurate information and is using credit reporting agencies to manipulate their system for using unfair and unethical business practices to put the consumer or employee in a worse situation to be out of a job. XXXX continues to send me preapproved offers for another new account. This is unfair to do this again to me. It is a trap. The interest rate was initially over 20 percent daily compounded interest which equates to over 30 percent. With the fees they added. The initial debt was XXXX. This is really unfair to give a consumer a loan and charge almost 3 times what was initially borrowe. Then to force a person to pay 3 or 4 times what was borrowed. Now they send me offers to do this again and continue this scheme for the rest of my life. So now they want me to borrow, To pay toward the debt that is more than I make in 2 months working at low end job. Out of my occupation.
I believe this can be a class action lawsuit. I see many bad things with this behavior. I have disputed with bureaus and both of these accounts show they are not going to correct this behavior.
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| 01/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed accounts, that are not correct. With all bureaus.
more than one time. For years now. The original creditor was XXXX XXXX. Then they created account for XXXX XXXX. Then portfolio recovery. They have tons of companies under the name portfolio. This is a scam and is against regulations. This is fraud in setting up these corporations as a arctic to manipulate the credit scores. To cause serious damage to score. To cause future interest rates and fees being higher than pawn shops. This is deceptive practices.
Portfolio recovery shows four accounts. Two accounts they have under portfolio recovery. The next is under XXXX XXXX. This should not show for two open accounts for one account. This is done maliciously to hurt the credit score. To manipulate the credit score and worsen the chances for future jobs and credit. This keeps me from being able to rebuild my credit to borrow money to pay off the original collection. That they show is over double the original maximum credit amount.
Portfolio recovery and XXXX XXXXl uses this tactic to show I opened two more new accounts. They know this kills the credit score and doubles the damage. Which is manipulating the credit bureaus and credit score and causes long term damage. Even after debt is settled. These accounts remain to lower credit score and to keep consumer in their high risk interest rates and fees. For the initial creditor to lend new money, for the debt to be collected in excess by portfolio. Which keeps portfolio in business and creditor get higher interest. In future new accounts being offered.
It should not show the full amount due, in the payment box. It still shows the monthly payment due on four accounts Then it shows again on the new accounts with over double the maximum credit limit as my monthly payment amount due for the monthly payment.
It is not right to show I have opened this second account. Only one account should show for one account due. This is a tactic to worsen score by showing a huge amount due in the monthly payment box. For a new account that I never authorized to open.
Also it hurt the credit score worse for showing over the credit limit and shows I am at maximum of credit limit. Which also looses points. For each one of these issues. They know if the balance shows at or above limit. It lowers points. Which they show 4.
I can not get any loans with these monthly payments showing huge monthly payments, over the limit or at the limit on new account created to do this. If cresitor decides to sell this account. Only one account should show. Now it shows as a charge off on one account. Then it shows as another new opened account with a new company. Portfolio recovery and XXXX XXXX is one company. The initial debt was with XXXX XXXX. Not these two portfolio corporations created to manipulate the scoring system and leave The new fake accounts to hurt scores into many years into the future. Also employers see four collections.
Showing four accounts in the charge off, over limit, inaccurate monthly payments, inquiry, collections duplicated etc.
This really hurts a consumers credit score showing a new account being delinquent.
I lost my job at XXXX, due to these multiple accounts being duplicated by portfolio recovery, XXXX XXXX and XXXX XXXX. I can not get another job in my industry and I can not get any loans to pay these off. Because XXXX XXXX, portfolio recovery and XXXX XXXX are making the score drop dramatically by showing a new account being in collections and past due for a huge amount monthly.
I believe this is unfair and unethical business practices, fraud, false reporting, manipulation, untrue statements, internet and mail fraud. They know this will cause the score to drop much farther. Than if it just showed one delinquent account. Portfolio recovery shows R9 chargeoff But portolip XXXX shows they started duplicating the reporting in 2016. This has been killing my credit for several years and does not allow me to enter back into my occupation. They reported both accounts at the same time.
I believe this is fraudulent behavior. It is inaccurate information and is using credit reporting agencies to manipulate their system for using unfair and unethical business practices to put the consumer or employee in a worse situation to be out of a job. XXXX continues to send me preapproved offers for another new account. This is unfair to do this again to me. It is a trap. The interest rate was initially over 20 percent daily compounded interest which equates to over 30 percent. With the fees they added. The initial debt was XXXX. This is really unfair to give a consumer a loan and charge almost 3 times what was initially borrowe. Then to force a person to pay 3 or 4 times what was borrowed. Now they send me offers to do this again and continue this scheme for the rest of my life. So now they want me to borrow, To pay toward the debt that is more than I make in 2 months working at low end job. Out of my occupation.
I believe this can be a class action lawsuit. I see many bad things with this behavior. I have disputed with bureaus and both of these accounts show they are not going to correct this behavior.
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| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dispute Center How it works File your dispute online If you see an account, a piece of personal info or a public record that's inaccurate or incomplete on your XXXX credit report, start a dispute online or by mail.
We'll contact the data furnisher We'll review your documents, and see if we can resolve the issue.
Get your results online You will be notified that the results are ready within 30 days* by email.
XXXXXXXX days for XXXX residents See options for XXXX or visually impaired Dispute Center Get started Let 's get started by taking a look at your report.
Completed Disputes XX/XX/XXXX Portfolio recov assoc XX/XX/XXXX Portfolio recov assoc Keep your info safe from identity theft Take the next step and protect your personal info from identity theft. We'll search the dark web and people finder sites for your info and help you remove it.
protection shield Protect my info Resources Owls branch DISPUTES Have questions?
owl bubble Learn more about the dispute process and pick up tips for success.
Learn more Dispute Guide Dispute FAQs Education freeze education thumbnail How Credit Report Disputes Affect Your Credit Filing a dispute to fix a credit report inaccuracy has no direct impact on credit, but some changes made in response to disputes can affect credit scores.
freeze education thumbnail How Long Do Credit Report Disputes Take?
Credit bureaus are legally required to finalize credit-report disputes within 30 days, but many inaccuracies can be fixed more quickly than that.
freeze education thumbnail When to Dispute Credit Report Information Disputing credit report inaccuracies is quick and simple online, but you can avoid credit approval delays by giving yourself time to complete the process.
freeze education thumbnail What Cant You Dispute on Your Credit Report?
Most information on your credit reports can be disputed, but certain items are simply a matter of record and can not be disputed. Learn more.
freeze education thumbnail Can Credit Report Disputes Lower Credit Scores?
Disputing inaccurate credit report data has no direct effect on credit scores, but if a dispute leads to a data change, credit scores may shift accordingly.
Report Number XXXX Date Generated XX/XX/XXXX PORTFOLIO RECOV ASSOC Account XXXX Updated Information on this item has been updated. Please review your report for the details.
What if I disagree with the outcome of this dispute?
Contact the source of the information You have a right to contact the entity that originated the information and dispute with them directly. This is usually the company that provided you the loan or other credit, but could also be a collection agency or government office. The contact details for the source of each item of information are listed in your credit report.
Add a Statement of Dispute A statement of dispute allows you to explain why you think the information is inaccurate or incomplete. The statement will appear on every copy of your credit report. Lenders and other businesses who view your credit report can read your statement and may ask you for more details or documentation as part of their application review process. To add a statement of dispute, enter the Dispute Center, choose the item in dispute, and select " Add a Statement '' from the menu of dispute reasons.
Dispute Again With Additional Relevant Information If you have additional relevant information to substantiate your claim, you have a right to submit a new dispute by uploading the additional documentation in the Dispute Center. You can also submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
File a Complaint You have a right to file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Still have questions?
Our XXXX Dispute Specialists are available to assist you. When calling, use Report # XXXX.
Customer Service Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2900.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX
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| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Portoflio Recovery Associates mailed me a letter that I received on XX/XX/XXXX in response to my dispute. This is the first time that I have ever received any kind of correspondence from them. I their letter they stated that they verified the information reported is accurate and they provided only a statement for the months of XXXX and XXXX XXXX XXXX, which according to the letter they included is over a year before they " allegedly '' purchased the debt and an " alleged '' letter from the " alleged '' creditor stating they acquired this account. In my initial dispute I made them aware that I never received correspondence from them initially and they never sent a letter regarding the debt. If you all did send a letter, then please provide the Certified Mail Return Receipt. In my original dispute, from a week ago, I requested a copy of the contract with my I requested the following information : To Whom It May Concern : Be advised that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
XXXX XXXX XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
The alleged account that they are claiming I owe from the " alleged '' original creditor, is not listed on my credit reports. They did not provide an original contract between myself and the " Alleged '' original creditor that bears my signature. I also requested a bill of sale and the amount they " allegedly '' paid for this debt. I have not received the requested documents in their entirety in order to VALIDATE the debt. The documents that were received by me on XX/XX/XXXX are not sufficient to VALIDATE the debt. As stated before, the " alleged '' original creditor does not show on my credit reports. This account needs to be removed immediately as the company 's response does not VALIDATE the account. It is innacurate
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| 11/24/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXXXXXX Dear CFPB, RE : Portfolio Recovery Associates , LLC Deceptive and Illegal Debt Collection Attempts.
I have communicated through written correspondence three times with Portfolio Recovery Associates , LLC in response to a letter they sent me dated XX/XX/XXXX XXXX stating that they were attempting to collect a debt from me. ( See Attached First Letter from Portfolio ) Portfolio Recovery Associates , LLC is demanding money from me, and I have not received any validation from Portfolio Recovery Associates , LLC with regards to my XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX written requests for validation/verification and proof of their ownership of the alleged debt mentioned in their letter.
In an attempt to collect a debt, Portfolio Recovery Associates , LLC did not inform me of my legal rights to dispute this alleged debt in their first written debt collection letter communication with me dated XX/XX/XXXX, nor did they make it easy for me to do so, which is a violation of the FDCPA. ( See Attached First Letter from Portfolio ) In an attempt to collect a debt, Portfolio Recovery Associates , LLC also didn't inform me in their first debt collection letter of how they calculated their amount, including any interest, that they are demanding from me, which is a violation of Regulation F of the FDCPA. ( See Attached First Letter from Portfolio ) In an attempt to collect a debt, the next day after my first dispute with them, Portfolio Recovery Associates , LLC illegally and unfairly reported their alleged account on my consumer credit file on XX/XX/XXXX, and falsely stated on my consumer credit file that they resolved my XX/XX/XXXXXXXX dispute. This is a misrepresentation by them as they never communicated with me at all within that 24-hour period between my first dispute and them reporting the account to my consumer credit file. This was a deceptive act! ( See Attached XXXX XXXX Credit Report ) In a letter dated XX/XX/XXXX, AFTER my dispute with them and 23 days AFTER Portfolio Recovery Associates, LLCs first communication with me about this alleged debt, Portfolio Recovery Associates , LLC stated that they received my dispute communication and that I had a right to dispute the debt. In the letter, Portfolio Recovery Associates , LLC stated that I need to dispute the alleged account with them again. This was confusing to me because in the same letter they admitted that they already received my first communication of dispute of their alleged account. In this letter, Portfolio Recovery Associates also stated that they are NOT attempting to collect a debt from me. ( See Attached Second Letter from Portfolio ) On XX/XX/XXXX, AFTER I disputed with them and AFTER their, XX/XX/XXXX letter stating they were NOT attempting to collect a debt from me, Portfolio Recovery Associates , LLC accessed my personal consumer credit report from XXXX without my written consent and without having a court order to do so. I never had any business transaction with Portfolio Recovery Associates , LLC for them to do this. Why and How did Portfolio Recovery Associates , LLC access my credit report? ( See Attached Portfolio Credit Pull of XXXX XXXX Credit Report ) Portfolio Recovery Associates is listed as the ONLY collection account on my personal consumer credit file which they are doing falsely, unfairly and illegally. Portfolio Recovery Associates , LLC also reported false dates of this alleged account on my consumer credit file. Portfolio Recovery Associates , LLC stated on my personal consumer credit report that this alleged account was opened XX/XX/XXXX, but had a first date of delinquency in XXXX of XXXX. This is impossible and proves that this account is completely inaccurate and false. ( See Attached XXXX XXXX Credit Report ) I have recently been denied credit from third party financial institutions because of this XXXX and only collection account that Portfolio Recovery Associates , LLC illegally parked on my personal consumer credit file, which has now caused me feelings of powerlessness, XXXX, and XXXX.
Portfolio Recovery Associates , LLC is harassing, abusing, and oppressing me based on these actions they are doing to me. Portfolio Recovery Associates , LLC blatantly ignores my requests for them to explain why they are doing this to me, and they continue to illegally access and post false information on my personal and confidential consumer credit report without my consent. How is Portfolio Recovery Associates , LLC able to do this so easily to people?
Because Portfolio Recovery Associates , LLC has not validated this debt with me, or provided me with any documentation proving that they have a legal right to collect any debt from me, shows me that this is a bogus debt and an illegal debt collection attempt.
Portfolio Recovery Associates , LLC has violated my rights under the FDCPA, the FCRA and the New York State General Business Law Section 349 ( Deceptive Practices Act ).
I therefore demand that Portfolio Recovery Associates , LLC remove all information regarding this alleged account that they placed on my personal consumer credit reports with Consumer Reporting Agencies forthwith.
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| 06/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Currently, Portfolio Recovery Associates is attempting to collect and lists an account on my credit report. The claim is that I have an unpaid balance in the amount of {$6400.00} from XXXX credit card. Portfolio Recovery Associates began attempting to collect in XX/XX/XXXX. Prior to their attempts XXXX was unable to be reached other than via online chat, and provided statements of varied amounts. The account in question originated from a XXXX XXXX account. I closed the account that had a {$5000.00} credit limit and had a balance just over {$3000.00} at the time. I continued making payment on the closed account until XXXX took the account and began placing late fees and charges on the closed account. Upon contacting XXXX, I was told conflicting information. One representative told me not to worry, and no further charges would be added. In fact, additional charges were added during account closure. Other XXXX agents continued to tell me I needed to pay or be reported to credit bureaus. I do have a XXXX account opened in XX/XX/XXXX that also closed in XX/XX/XXXX, but I have been making payments on this account monthly with a balance of {$1100.00}.
I believe that the account Portfolio Recovery Associates is attempting to collect includes BOTH XXXX balances, as well as additional interest, charges, and fees that I did not make, agree to, or am liable. When Portfolio Recovery Associates contacted me initially to collect, I instructed them that I had reached an agreement with XXXX to pay the {$3000.00} balance and requested additional information. Portfolio Recovery Associates told me in XX/XX/XXXX that they did not need to contact XXXX, and did not need to provide me any information, rather I needed to pay the balance requested. Per federal fair trade collection law, I requested in writing Portfolio Recovery Associates not contact me until they provided the ORIGINAL account information and documentation. Portfolio Recovery Associates attempted two additional phone calls, and then sent me two statements from XXXX that were dated from XX/XX/XXXX, after the account had closed. I did not receive the original documentation. According to fair collection laws, Portfolio Recovery Associates had a 30 day timeline to provide the requested documentation and failed to comply with federal law. I have received repeated phone calls, letters, abusive language during the phone calls - not allowing me to speak, no response to document requests, the statements have the wrong balance and they have added funds to the balance ( my XXXX credit limit was {$5000.00} so {$6400.00} is not possible ), and threatened credit damage if I did not pay. See attached XX/XX/XXXX chat where I was told fees would be removed, and they were not removed. The balance already exceeded {$5000.00} from charges and fees on a closed account, and Portfolio Recovery Associates is attempting to collect {$6400.00}. The balance continued to increase with additional charges/fees that were not only unauthorized, but representatives repeatedly told me would not be charged or would be removed.
I have been paying the one credit card I have access to records from XXXX, but I have NEVER received proper documentation from either XXXX or Portfolio Recovery Associates on the account.
I have disputed he account on my credit report. Portfolio Recovery Associates also inaccurately represents my account on all three credit reports ( XXXX, XXXX, XXXX ) as being an account opened in XX/XX/XXXX. This account did not open in XX/XX/XXXX, so it is making the dispute impossible since Portfolio Recovery Associates is reporting inaccurate information. I offered to pay the original {$3000.00} balance amount, and Portfolio Recovery refused partial payment, payment plan, or anything other than the full payment of a disputed balance. XXXX would also bargain fee removal for payments ( see attachment ). I was being repeatedly charged fees, and they would not remove them without payment. Several chats/calls were disconnected by XXXX. They contradicted by one representative stating charges should not be assessed and they would remove, and the next representative stating they could only remove one charge. More than {$2500.00} in charges and compounding interest was applied to my account as a result of XXXX taking the account from XXXX which did not charge the fees.
After making a request to remove unauthorized late fees, I was met with a XXXX representative telling me the fees would continue to be assessed on the closed account. In XX/XX/XXXX, I received over {$500.00} in late fee charges that were also included in compounding interest charges. This was not part of my original XXXX agreement, it was a closed account, and the account balance was incorrect. Portfolio Recovery Associates added another {$1000.00} or more in fees/charges that are unknown. Basically, both companies are attempting to charge a debt more than double the amount I charged on the original credit account.
XXXX never followed though with threats to report to the credit bureau. It was not until Portfolio Recovery Associates took the account that it was reported, inaccurately.
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| 08/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX Portfolio Associates a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by XXXX XXXX XXXX ) Both Portfolio Associates and XXXX XXXX XXXX failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney Portfolio Associates sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what Portfolio Associates and the numerous law firms and Attorney 's assigned to this case had been doing to me.
After I was I made aware of this law suit ( by the court ) I immediately contacted Portfolio Associates and XXXX XXXX XXXX in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. Portfolio Associates told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for Portfolio Associates to eventually disconnect my calls. I called XXXX XXXX XXXX and they also told me my account was no longer in their system and they had no information with respect to what happened to my account.
Taking a step back, Portfolio Associates filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. Portfolio Associates claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from Portfolio Associates. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from Portfolio Associates regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe Portfolio Associates has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed Portfolio Associates ( and the court ) I completely disagreed with this debt and the amount of money Portfolio Associates claimed I owed them since XXXX XXXX XXXX had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, Portfolio Associates is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by XXXX XXXX XXXX.
I do not know or understand how Portfolio Associates came to own this account as I was making timely payments to XXXX XXXX XXXX as recently as XXXX. I was sued by Portfolio Associates in XXXX. I never once heard from XXXX 's XXXX or Portfolio Associates via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of XXXX XXXX XXXX and Portfolio Associates. Portfolio Associates claims they own the account and XXXX 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, XXXX XXXX XXXX and Portfolio Associates never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's Portfolio Associates has handed this case off to has been impossible. Portfolio Associates and XXXX XXXX XXXX have stone-walled me. I have been informed Portfolio Associates is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
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| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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My issue is with XXXX recovery associate. They are knowingly and fraudulently altering account dates so that it works to their benefit so that they can obliterate innocent peoples credit score with so that they are forced to pay them money that isnt owed when they purchased this 2 decade old debt for XXXX on the dollar. I have them on a recorded call they can not provide me with the original account number, any information pertaining to my payment history beside the fictitious dates that are on my credit report. The representative specifically stated there is no original lender information or documents attached to my file and that there is no payment history attached to my file. I requested that they advised to me whom has this information, what department it is that he hast to put a request in to retrieve the real information and what the turnaround time would be He started stuttering he could not answer any of it. I am not unintelligent I know thats the only information they have and will ever have is the fake dishes information that was put into this file after the real information was scrubbed out. They do not have any information besides what was scrubbed out of an into the file that made it appealing to purchase the debt because they could still collect on it even though that was a lie or they know that it is fraudulent and way past limitations and are going to falsify the dates so that they can have a financial gain. Either way I am not OK with it and you should not be either. You can call XXXX XXXX and verify this with them and they will tell you the truth. I have disputed this for the past year through the credit reporting agencies where they come back and say that their investigation is done and this is staying on my Credit report. I am XXXX of being taken advantage of and having no way to stand up for myself and what is right here. As a consumer I know my rights I have mailed numerous letters to portfolio recovery associate requesting validation of this debt and any and all documents from the original lender with my signature etc. they can not provide any of it. Furthermore all of this aside on this recorded call with portfolio recovery associates they specifically state the date that they purchased this debt was XX/XX/XXXX. The date that a collection agency purchases the debt should never ever have anything to do with somebodys credit report it always goes by that date the account was opened with the original lender and the dateOf default. They are knowingly and purposely falsifying dates so that they can pocket the money. We as Americans struggle enough as it is I am working my XXXX off to improve my credit score and pay what is rightfully owed two companies that are honest and stare and have morals. Portfolio recovery associates is one of the most predatory immoral dishonest group that there is. Please request documents from the original lender with a chain of title of this debt with dates that they are claiming and I will be glad to pay it however that is not going to happen and you can verify this with XXXX XXXX. This card was opened in XXXX and defaulted in XXXX - verify this with XXXX XXXX. it is past the statue of limitation to put on my credit report I know that you have a way to verify this information with XXXX XXXX or if you can retrieve my credit reports from XXXX and XXXX you will see that what I am saying is the truth. Credit reporting agencies are failing us they are not looking into any thing that is disputed in my eyes they are just as dishonest unreliable and fishes as the collection agency. I refuse to have a anxiety and panic attacks over this any longer I have tried everything in my power to rectify this without having to bother you however they do not want justice to be prevailed. Im sorry that things are misspelled in this I am XXXX XXXX on the highway driving so serious Im XXXX XXXX XXXX XXXX about the situation please help me and also please investigate portfolio recovery associates because they are literally the next XXXX XXXX and XXXX out of XXXX New York. Please send me an email address that I could reply and attach the file of my recorded call with portfolio recovery associates great literally out of their own mouths stating theyre reporting the date its opened as the date they purchased it - that they dont have access ANY original lender account information - and have no clue what my payment history is - and that they cant tell me what department does have this information what the turnaround time is etc. Id like you to hear how they are operating and how theyre ruining peoples lives. ****ATTACHED BELOW IS IMAGES RIGHT FROM PORTFOLIO RECOVERY ASSOCIATES LOGIN AND XXXX . ON THEIR WEBSITE THEY SPECIFICALLY LIST IN THE TOP ITS PAST STATUE OF LIMITATIONS AND THEY CANT SUE OR REPORT IT TO MY CREDIT - so WHAT IS REALLY GOING ON HERE?!? And XXXX DEFINITLEY did absolutely nothing when I disputed this with them. I want to know exactly WHAT process and actions were taken in their investigation that they decided theyre going to let this sit on my credit report - and I want their findings as well.
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| 02/20/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XX/XX/2023 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Account : XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACETICES ACT, I have the right to request and receive a validation of debt letter. Therefore, please provide me with a copy of ALL of the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I proof that this amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No con
sent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6 ) ( The purchase agreement ) 7 ) ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. ALSO YOU have committed the following FDCPA Violations : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the nat
ural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person. YOU ARE harming my reputation which is a violation. 15 U.S. Code 1692e - False or misleading representations A debt collect or may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely. 15 U.S. Code 1692f Unfair practices A debt collector m ay not use unfair or unconscionable means to collect or a
ttempt to collect any debt. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. You used symbols on the envelope which violated the law.
15 U.S. Code 1692g- Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 U.S. Code 1692a so the debt is owed to me. 15 U.S. Code 1692j- Furnishing certain deceptive forms ( a
) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating in the collection of the alleged debt. Under 15 U.S. Code 1692k - Civil liability I DEMAND {$1000.00} dollars for each violation as you have caused severe damage to my character. ( a ) Amount
of damages except as otherwise provided by this section, ANY DEBT collector who fails to comply with any provision of this subchapter with respect to any person is liable to such in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Stop contacting me about this or any other matter you ha
ve to cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only. I also have submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Burea
u to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you already committed.
I also need for you to Cease all communication on every medium
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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on XX/XX/2021 Portfolio Recovery Associates, LLC ( PRA ) has tontinued to violate my rights under FCRA & FDCPA by claiming a false debt has been " verified '' the the PRA account ending in XXXX..the account provided is not a full a full account, this is frivilous i am DEMANDING A FULL ACCOUNT NUMBER WHICH IS ATTACHED TO MY CONSUMER CREDIT REPORT, NOT 4 DIGITS.. in no such way this debt has been verified nor belong to me .this collection agency has commited IDENTITY THEFT by stealing my personal information as in : my social security number, first and last name, birthday, address, i never gave this collection agency consent NOR have i ever did buisness with this company and by any chance of this company claiming that i have, i AM DEMANDING a contract between me and ( Portfolio Recovery Associates, LLC ( PRA ) stating that i have agreed to do buisness with this " person '' as described by congress 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal ... the accusationsthis company has claimed is false and DECEPTIVE .... 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ... I HAVE DEMANDED FOR THIS COMPANY TO DELETE THIS COLLECTION ACCOUNT, THIS COMPANY HAS AGREED TO CEASE ALL COLLECTIONS AND ( CONNECTIONS ) WITH THIS DEBT CONNECTIMNS WHICH IS MEANING STOP ALL REPORTING TO THE 3 MAJOR REPORTING AGENCIEs XXXX XXXX AND XXXX ... you also have mentioned that " We believe that you were properly notified of our purchase of the account and provided notices required by law the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time ... AGAIN YOU MENTIONED THAT YOU HAVE PURCHASED MY PERSONAL IDENTIFICATION BY ANOTHER INDIVIDUAL " THAT I HAVE NO KNOWLEDGE OF AND NEVER HAVE DONE BUISNESS WITH ... I AM ADVISING YOU TO DELETE/REMOVE ALL FURNISHING OF THIS ACCOUNT WHICH YOU CLAIM THAT YOU HAVE RIGHT TO, ALSO ALL CORRESPONDING BETWEEN ME AND THIS COMPANY WILL BE USED FOR ALL LEGAL PURSOSE AND ALL RECORDING THAT I AM ENTITLED TO..15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ... .i am informing of the damages which you have committed against me and by law which i am entitled to for the " DEFEMATION OF MY CHARACTER " to add ... i will be getting in touch with your office soon to inform your of the cost of my damages that i have sustain due to you placing a false account an my consumer credit report ... YOU ARE NOW BEING HELD LIABLE FOR ALL DAMAGES..
|
| 08/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PORTFOLIO RECOVERY ASSOCIATES , LLC are indeed third-party debt collectors under the very definition of a third-party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ) and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid, you would not be sending me a collection letter assuming the debt was valid now, would they? Pursuant to 15 USC 1692c ( C ), PORTFOLIO RECOVERY ASSOCIATES , LLC is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See Ayala v. Dial Adjustment Bureau , Inc., Civil No. N-86-315 ( EEB ) ( D.Conn. XXXX XXXX, XXXX ) ; Riveria v. MAB Collections , Inc., 682 F. Supp. 174, 175-76 ( W.D.N.YXXXX PORTFOLIO RECOVERY ASSOCIATES , LLC gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; PORTFOLIO RECOVERY ASSOCIATES , LLC have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with UCC 3 302 . See Gearing v. Check Brokerage ; Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. XXXX ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States Court of Appeals, Fifth Circuit, Case No. XXXX, John STEVENSON vs. TRW, XX/XX/XXXX.
they have committed several federal violations against me, a private law abiding Federally Protected Consumer.
Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.
Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt.
Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) IDENTITY theft ; obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.
SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. PORTFOLIO RECOVERY ASSOCIATES , LLC, DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, they are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand they provide the following documents immediately if they continue to use the fiction name for their entitys personal commercial gain then ; Send a copy of their Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of your bond ; provide name, address, and phone numbers of the owner ( s ) of PORTFOLIO RECOVERY ASSOCIATES , LLC ; Provide name, address and phone number of your insurance company.
Furthermore, reporting false and misleading report to the three major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Re
porting information after notice and confirmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion.
|
| 07/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX. XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I.
This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me. II XXXX, XXXX, and XXXX ( " Credit Bureaus ) are consumer reporting agencies as defined by the FDCPA.
These credit bureaus have within their files, records, and databases consumer reports identified with and pertaining to me contacting items of adverse information supplied by Portfolio Recovery Associates ( PRA ), Inc., a third party debt collection within the meaning of the FDCPA, regarding a debt presumably owed to XXXX by me. ( See : Exhibit 1 ).
III The information contained my XXXX, XXXX, and XXXX consumer reports is inaccurate and incomplete and violate the notification criteria set forth by the FDCPA in it precludes the following : 1 ) The identity of the original creditor, as required by 15 U.S.C. 1692g ( a ) ( 1 ) and 16 C.F. R. 660.4 ( 4 ) 2 ) The address and other contact information of the original creditor, as required by 15 U.S.C. 1692g ( a ) ( 1 ) and 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher, as required by 16 C.F. R. 660.4 ( a ) ( 2 ) ) 4 ) Date of First Delinquency, as required by and in violation of 15 U.S.C. 623 ( a ) ( 5 ) ( A ) and 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 5 ) Account Type, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 6 ) Date of Last Payment, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 7 ) Monthly Payment, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 8 ) Payment Frequency, as required by 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) 9 ) Prior Complaints : a. The fact that by letter dated XX/XX/XXXX, I submitted to PRA a FDCPA debt validity dispute regarding the alleged debt, which to date remains unresponsive, b. The fact that PRA, on XX/XX/XXXX, initially filed suit against me upon the alleged debt in the 9th Judicial District Court for the State of Louisiana ( XXXX XXXX XXXX ), as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) c. The fact that PRA, onXX/XX/XXXX, dismissed its suit against me upon the alleged debt in the 9th Judicial District Court for the State of Louisiana ( XXXX XXXX XXXX ), as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) ) 10 ) The actual validity of and the reasonable attempts undertaken by PRA, XXXX, XXXX and XXXX to establish the validity of each debt, as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) ) 11 ) Date of First Report to Consumer Reporting Agencies, as required by and in violation of 16 C.F. R. 660.4 ( a ) ( 3 ) ( 4 ) IV The absence of the aforementioned information is likely be materially misleading in evaluating a my creditworthiness, credit standing, credit capacity, character, general reputation, and necessary to prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date. See : 16 C.F.R. 660.2 ( i ) V Notwithstanding the aforementioned, that the alleged debt is unenforceable pursuant to Texas expired by limitation of statute, as per Title 2 of the Texas Civil Remedies and Practice Code, Title 2, 16.004 ( 3 ).
VI Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ).
5 ) DELETION of the disputed information from my XXXX. XXXX, and XXXX consumer files as per 15 U.S.C. 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) VII a. XXXX Consumer Reporting Agency may be served a copy of this Complaint at the following address : XXXX Consumer Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX c. XXXX may be served a copy of this Complaint at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX d. Portfolio Recovery Associates may be served a copy of this Complaint at the following address : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, XXXX XXXX USA Sincerely, XXXX XXXX XXXX
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I am XXXX XXXX, and I am the author of this complaint, a dispute with PRA and with its compliance on factual credit reporting, their tradelines and results existing on Consumer reports, today.
This has nothing, today and right now to do with VOD - this is all about PRA 's responsibilities for and of credit data- and as a Data Furnisher.
You - dismissed your consumer reporting data issues- in the prior complaint, below please find the FTC rules you are mandated to follow.
There is a class of consumers impacted by PRA 's electronic data - file, integrations, XXXX files - that is outside of compliance.
No other parties, individuals- are involved in this dispute, as of today XX/XX/2022.
The Do Not Contact request remains, to you - and, extends to any agency - company, entity you wish to engage with.
Share who you have shared my data with - and as part of this dispute, and as mandated by privacy and credit reporting/debt collection laws.
There are multiple complaints and with PRA - where the last response to their reporting and data inaccuracies, acknowledged was as follows : The complaint ID ( s ) is/are traceable : XXXX XXXX XXXX Here are some excerpts from your responses.
The company responded that they are not the appropriate company to address your issue.
The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information.
We take compliance with all applicable state and federal laws very seriously. We have no record of a response, or a dispute being received in relation to our initial notification letters. PRA furnished information from the accounts to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. In doing so, PRA confirmed with the consumer reporting agencies that PRA properly described itself as a Debt Buyer. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time.
Please note the method of delivery, and for this final formalized complaint- as listed above.
This dispute/complaint is as follows - and specific to the accuracy of data created by, PRA, and then PRAs responsibility to ensure its own records are creating expected results.
The responsibility of a Data Furnisher- is broad, but thankfully spelled out by the FTC and its governance on your PRAs responsibilities.
Please see the link below- for Data Furnisher responsibilities.
https : XXXX You, PRA, are aware, of your tradelines results and at each CRA This would have been generated by SYS, SIT, UAT, Regression and UAT - Integration testing when deployed, updated or replaced PRA is then aware of the actual data its data is creating PRA has been notified as to their actual results PRA - has no method in place, to ensure actuals hey send - are ever expected results PRAs technology practice, then has no means to resolve issues it knows its data creates Typical SDLC - would never let a file escape testing, with unknown, or unexpected results You have been supplied examples You- are creating a Creditor Tradeline You are sending Terms You- are sending Payment History You- are sending Payment Ratings This is in fact - systematic XXXX- which governs your reporting/technical builds, forbid you from sending a Term, Pay History, Rating - but alas, you are Now, this isn't all of it and your tech team may need to explain why But know- I actually get the data, as will any tech forensic data person And - when challenged - everything - is discoverable This is my final dispute - and before a action - or class, unless you delete your tradeline And - whatever else you have attached to me, and in writing The penalties - shall outweigh, whatever you believe is recoverable PRAs response is - its the CRA - instead of fixing its own discoverable internal systems.
Please own your data, fix the inaccuracies or delete it.
In XXXX- your account is impacting Creditor accounts, and you are a Debt Collector. Usage, Ratio etc - your accounts are erroneously impactful.
It never should. ( 1 example - there are many ) Then - even when you ( PRA ) show up, as an Other Account it says - CLOSED, in big black bold font.
But - its not, or is it - make it make sense?
The way you are presenting/presenting data escapes some of the algo, but can never escape all.
You have what it does- and to XXXX.
You know, that you show up monthly 120 plus days late in XXXX, XXXX - XXXX.
You as a Data Furnisher have the responsibility to not just care, but also fix it.
Please fix your data, or delete it.
XXXX XXXX
|
| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX - I see PRA on my credit report and mail physical dispute letters to each of the credit bureaus. Each credit bureau removed this account due to lack of evidence. My letter entailed information detailing the following : Open Date Different across all 3 bureaus and did not match PRA Date Last Active Different across all 3 bureaus Account Type Different across all 3 bureaus Past Due Balance Different across all 3 bureaus : Payment Status Different across all 3 bureaus Date of Last Payment Different across all bureaus XX/XX/XXXX - I was served at my residence by Portfolio Recovery.
XX/XX/XXXX - I go to court for this case. I am told I will go to mediation at a further date by the judge.
XX/XX/XXXX - I went to meditation for this case which went to an impasse due to the attorneys rude demeanor towards me, which was recorded. During this time I attempted to show multiple documents that proved the lack of validation that was done on this debt. I was told to email the attorney on the case in reference to this case which I did the same day.
XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " please confirm you received the paperwork that was filed with the court and that should have been served to you. It shows account ending in XXXX through XXXX opened in XXXX with an outstanding balance of {$1900.00}. A payment was made on XX/XX/XXXX.
If you have information that is different than what I stated above? Please let me know so I can look into it and see what we can get resolved. '' XXXX - I emailed back the Associate Attorney of Portfolio Recovery stating " I am confirming that I received the paperwork that was filed with the court which has the information you stated. What I am not confirming is its accuracy nor validity. I have done my due diligence to confirm that all of my official credit reports show different information than what you have listed in reference to this alleged account with Portfolio Recovery. The account opening dates, account number, balance and last payment dates are different not just from the paperwork provided by Portfolio Recovery but also across all XXXX major credit bureaus. '' In this same email I stated " I would like to express my right through the original credit card agreement from the supposed original creditor, XXXX XXXX, and File a Motion to Compel Arbitration. Per their agreement this arbitration is to happen through XXXX. I have attached a copy of their credit card agreement with the XXXX Clause for your convenience. '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emailed me back " Can you please email me a copy of what you are seeing on your credit reports so we can see what you are referring to and the details associated with it, so we can review and investigate this matter? '' In response to this I provided XXXX attachments showing the inaccuracies with the account.
XX/XX/XXXX - I email The Associate Attorney of Portfolio Recovery asking what the status is since is has been a week since our last correspondence. During this time I also expressed how upset I was that " Portfolio Recovery has had multiple opportunities to resolve this case via trial, credit disputes and letters requesting validation '' XX/XX/XXXX - The Associate Attorney of Portfolio Recovery emails me back " It is still in the process of being investigated on our end, which takes some time. Meanwhile, I have gotten information that you will be receiving a form by mail to complete and send back to us, affirming the information you have told us. It is a necessary part of the process of the full investigation, and you should be receiving it shortly, so please look out for that. The department handling this matter has also informed me that in addition, if you have a police report, FTC listing our account or other supporting documentation, you can forward that to us for our review as well. '' XX/XX/XXXX - I confirm via email that I yet to receive the document via mail but would like to know the case status.
XX/XX/XXXX - The Associate Attorney of Portfolio emails me back stating they sent it around the XXXX and that the case is still under investigation.
XX/XX/XXXX - I email Portfolio Recovery stating I received the document and would fill it out within the upcoming week.
XXXX The Associate Attorney of Portfolio Recovery emails me back stating " There is a hold on the file for the investigation and I believe they are awaiting your paperwork in order to proceed further with it. Feel free to call ( XXXX ) XXXX and ask to speak to the Disputes Department to get more updated information. '' XX/XX/XXXX - I call the XXXX number and speak to multiple people and they have no record of any corespondance I have had with the Associate Attorney nor the documents I provided via email over a month ago. I ask them what I should do next and if getting the Consumer Finance involved is the correct option and they hung up. I have yet to receive a call back.
|
| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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i, XXXX XXXX am Im submitting this complaint myself and and there is no third party involved. Portfolio Recovery Associates, XXXX has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. Portfolio Recovery Associates, XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b 2, 15 USC 1692j a, 15 USC 1692e 2A, 15 USC 1692e 7, 15 USC 1692e 8, 15 USC 1692e 10, 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them.
Portfolio Recovery Associates, XXXX also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation. Portfolio Recovery Associates, XXXX was also sent a Bill of Particulars, Affidavit of Truth, and Cease and Desist exercising my consumer rights pursuant to 15 USC 1692c c2 Portfolio Recovery Associates continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that Portfolio Recovery Associates, XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 7a. Portfolio Recovery Associates, XXXX responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. XXXX XXXX who sold this alleged debt to Portfolio Recorvery Associates, XXXX gave a response that was not sufficient as they did not provide all the information requested above. I have also contacted Porfolio Recvoery Associates, XXXX for the above information which I have yet to receive from them also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction.
Portfolio Recovery Associates, XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so.
I demanded in writing that Portfolio Recovery Associates, XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. Portfolio Recovery Associates nor XXXXXXXX XXXX no longer has my written permission to furnishing my report with this false information.
The United States government created a bond on me which is my birth certificate with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with XXXX XXXX Security which covers all obligations or alleged obligations which is that of the United States government. Pursuant to 31 USC 3718 Portfolio Recovery Associates, XXXX has to have a contract with the Treasury in order to even collect an alleged debt which Portfolio Recovery Associates, XXXX does not have.
I also informed Portfolio Recovery Associates, XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today Portfolio Recovery Associates, XXXX is in default and the necessary actions are being taken against Portfolio Recovery Associates, XXXX
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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XX/XX/XXXX, I received my welcome letter from XXXX XXXX for my XXXX XXXX credit card with a credit limit of {$1800.00}. I opted in to purchase the " Card Security Debt Cancelation Program ''. The the verbiage below is copied directly from the Card Security Debt Cancelation program document, I fully qualified for a claim under my covered event " unemployment/job loss '' to have my full account balance cancelled. Furthermore, since my balance was less than {$10000.00}, my balance also fully qualified to be cancelled under this agreement : Cancellation amount for Job Loss, Leave of Absence and Disability Covered Events : After the Benefit Start Date, Your minimum payment shown on the first billing statement after Your Benefit Start Date is cancelled.
After 30 days in a row of the Covered Event Your minimum payment shown on the second billing statement after Your Benefit Start Date is cancelled.
After another 30 days or 60 days total in a row of the Covered Event Your minimum payment shown on the third statement after Your Benefit Start Date is cancelled.
After another 30 days or 90 days total in a row of the Covered Event Your full Account balance is cancelled, as of the Benefit Start Date minus any payments already cancelled for this Covered Event.
The total amount cancelled will not exceed the amount You owed on Your Benefit Start Date, up to a maximum of {$10000.00}.
I placed my claim for these benefits with XXXX XXXX XXXX via Benefit Request # XXXX and XXXX XXXX began making my payments for me under the Card Security Debt Cancelation program. When I saw XXXX had stopped making payments I contacted them to find out why and filed a dispute to the debt because I was still under the Card Security Debt Cancelation program and my debt qualified to be paid off under the plan. XXXX XXXX stopped returning my calls and emails, so I assumed they had paid off the debt as they were obligated to do under the program in XXXX. It wasn't until XX/XX/XXXX that I received a letter from XXXX XXXX stating they had sold my debt to Portfolio Recovery Associates, LLC and to contact them with my dispute. I wrote Portfolio Recovery XX/XX/XXXX with my first dispute explaining the above and provided them with the original claim paperwork to XXXX XXXX with further explanation for why I do not owe this money and asked them to contact their customer XXXX XXXX for more information if needed. Portfolio Recovery responded on XX/XX/XXXX, that they reviewed my dispute but didn't find it was enough to establish its validity ...?? I sent a second dispute per their instructions on the back of their letter to them via email on XX/XX/XXXX and included attachments of the Card Security Debt Cancelation program, the supporting documentation I sent to XXXX XXXX with my unemployment information and benefit request form, the proof that XXXX XXXX had been making my payments for me under the plan, and the correspondence I received from XXXX XXXX regarding payments, showing a payment made in XX/XX/XXXX. The documentation Portfolio Recovery sent me with their letter of XX/XX/XXXX included a statement date of XX/XX/XXXX which did not include payments that were made XXXX, XXXX, XXXX and XX/XX/XXXX and forward. I told them that the XX/XX/XXXX documentation they sent in their letter dated XX/XX/XXXX is irrelevant to this case and the balance they are trying to collect on is incorrect even if I didn't have the protection program! I asked that they again, please coordinate with " XXXX XXXX XXXX '' for an accurate account balance through at least XX/XX/XXXX. Then, at least that would be close to the remaining amount, after all payments made by XXXX XXXX to my account and those made by me, that should be canceled under the Card Security Debt Cancelation program! I gave Portfolio solid proof of my actual statement dated XX/XX/XXXX and they refused to acknowledge all the original and additional data I had provided them in my second dispute by saying in their response dated XX/XX/XXXX that they have already reviewed y information and claim it alleges no new facts, which it absolutely did, solid proof that first the amount they are trying to collect is WRONG because they refuse to use the most recent statement of account I provided them from XXXX XXXX AND refuse to acknowledge the debt cancelation program. They further advised me any further communication from me would be ignored and that they consider the matter closed! This is unacceptable and wrong. I submitted my dispute and gave all the same information to the credit bureaus as well. If this hard proof of evidence I've submitted is not investigated and considered by Portfolio recovery, I will have no choice but to escalate this matter via every avenue available to me under consumer protection as I have started to do beginning with CFPB. Thank you for your time and your help to serve justice where it is due.
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| 12/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX PORTCOVERY RECOVERY ASSOCIATES XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 05/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESPONSE TO CFPB : XXXX TODAYS DATE:05/27/2020 TO : PRA Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXXXXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/03/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I mailed ( Certified ) a letter to Portfolio Recovery Associate regarding three accounts in which they stated that I owed to them. Here is a copy of the letter I sent : Name and address removed for security reasons.
XX/XX/XXXX 2017 Portofolio Recovery Associate XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Numbers # : XXXX ; XXXX ; XXXX To Whom It May Concern : ( Portfolio Recovery Associate ) Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your business claims has come due. Please Note : There are currently three ( 3 ) accounts in which I am seeking validation for.
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation of the debt is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Original contract with my wet signature and the collection agency ( your company ) wet signature, validating that I agreed to business with you, or any paper work and or contract showing I agreed to pay what you say I owe ( not photo copies ).
Explain and show me how you calculated what you say I owe.
Identify the original creditor ; Provide a verification of any judgement if applicable ( no photo copies ) ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your office ( s ) have reported invalidated information to any of the major Credit Bureaus ( XXXX, XXXX or XXXX, said action might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any credit reports made by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character If your company are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time, all collection activity must be cease and desist. In addition, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit-reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your office fail to respond to this validation request within 30 days, from the date of your receipt, all references to the account must be deleted and completely removed from credit file, and a copy of such deletion request shall be sent to me immediately.
I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records ; any information obtained shall be used for that purpose.
Best Regards, Three letters dated XX/XX/XXXX ( envelopes had no stamped date, so I am not sure if it was past 30 days when Portfolio Recovery Associate Responded to my above letter XXXX, were mailed to me. It stated " verification information concerning Portfolio Recovery Associate : Account number, seller of account, Original creditor 's address, and current creditor ''.
P.S Note : All three letters will be attached for references, since it brings up the reason for my complaint here. I specifically ask Portfolio Recovery Associate to VALIDATE the debt ( Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt ), AND not VERIFICATION. My request, as stated in my letter above to Portfolio Recovery and Associate was straight forward, yet they refused to comply with my request. Due to the fact that Portfolio Recovery and Associate did not submit any signed contract with my signature and theirs, Nor have they given any original contract stating that I agreed to do business with them, nor Validating the account, I am asking to have all three accounts removed from the credit bureaus.
Balance {$1400.00} Acct # XXXX Balance {$850.00} Acct # XXXX Balance {$1300.00} Acct # XXXX
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| 08/13/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery is a third party debt collector and has no right to force performance of contract. Portfolio Recovery has violated FCRA and FDCPA by reporting this alleged debt to the reporting agency known as XXXX.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
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| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This debt collector refuse to follow the law. This company Portfolio Recov Assoc account number ending in : XXXX identified as a debt collector for alleged debt. They said a 1099C tax document was sent but no such document from the IRS was sent for this alleged debt. If such document does exist they are breaking federal law trying to intimidate and collect on this alleged debt. This company ignored my cease and desists order and sent deceiving information and i never gave written consent as the natural living person ( Consumer ) to furnish This alleged debt. I have included the fraudulent statements they sent me via mail. Pursuant to 15 U.S. Code 1692e - False or misleading representations which this company has multiple violations and identify as a debt collector. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 2. The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 3. The false representation or implication that any individual is an attorney or that any communication is from an attorney. 4. The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 5. The threat to take any action that can not legally be taken or that is not intended to be taken. 6. The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 7. The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. A cease and desist was also sent to this company and it was violated numerous times which is unlawful .As the natural living person and consumer i have a right to privacy. pursuant to 15 USC 1681 i have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company is not the original creditor and a 1099c tax for alleged debt was not provided for discovery.They dont even have the legal right collect in the state. Also statements from said alleged debt is not a violation of debt a can never be. I will Be contacting the CRA and my Attorney general of all these violations and be seeking damages if this account is not deleted immediately. They need to Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation : Statements are not a validation of debt. This Portfolio Recov Assoc account number ending in : XXXX needs to be removed immediately! See Spears v. Brennan, Pacific Concrete F.C.U. V. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). See also Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I sent portfolio recovery assoc. llc.numerous letters dated XX/XX/2020, XXXX, XX/XX/2020 ) debt validation/dispute letters requesting the information below I do not owe Portfolio Recovery Assoc. llc any money.
( 1 ) identify the original creditor, ( 2 ) last date of activity, ( 3 ) last date account was paid, ( 4 ) an Original copy of the contract between myself and the original creditor with my signatures with terms and conditions with signatures.
( 5 ) interest and fees associated with this account.
( 6 ) the proper and legal assignment contract between you the collection agency and the original creditor ( proof that you can legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ) ; ( 7 ) proof that you are licensed to collect debts in the State of xxxxxxxxxxxx.
( 8 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown ), and they are violating my rights under 15 U.S. Code 1692g. Validation of debts and Disputed Debts. I didnt realize that I can not exercise my rights under the 1692g ( b ). I am given certain rights under 1692g Act therefore, not complying with the 1692g Act is a violation. The 1692g Act does not say that a debt collection company can involk their own standard complaint process but rather defines what a dispute and debt validation are under each subsection. See below under definition of my rights.
( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Portfolio Recovery failed to comply according to subsection with regards to ( 3. Or any portion thereof the debt ) subsection ( b. ( a ) unless the consumer has notified the debt collector in writing that the debt or any portion of the debt ) I am entitled to dispute and ask for validation to any part of the allege debts and requesting this information does not exceed the operation of law according 1692g for debt/dispute validation. Therefore, I am rightfully entitled under the law for the information I requested and if not provided is a violation under FDCRA At this point since Portfolio Recovery Associates, LLC, refused to validate/ dispute allege debts Any further attempt to collect on these or any allege debts is a violation under 1692 g ( b ) because they failed and refused to validate/dispute any debts therefore, is validation of my rights under 1692g Act FCPA , FCRA and the FTC ACT. Under section 1692 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. They are claiming that they have resolved this issue which is false they haven't provided the information I requested and now are refusing to validate the allege debts. And giving false information that they have resolved the issue which is lie they have not resolved the issue and have not provided the information I requested.
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| 02/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates have been calling me and sending me letters about an alleged debt owed to XXXX XXXX XXXX for {$340.00}. On XX/XX/22, I wrote them a Request for Validation of Debt Pursuant to 15 USC 1692g. I requested information that would validate my debt to them, along with the original contract with my wet signature. I have never done business with Portfolio Recovery XXXX or signed any contract with them.
On XX/XX/22 I received another letter from them and this collection is on all three of my credit reports currently. According to 15 USC 6802 ( b ) ( 1 ) ( b ) Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; This is a violation because I did not give anyone disclosure to my nonpublic information, especially not a third party I did no such business with.
Secondly, 15 USC 1692c. Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I never gave Portfolio Recovery Associates , LLC direct consent to contact me nor did I give consent to XXXX XXXX XXXX to allow my information to be disclosed to any third party.
15 U.S. Code 1692b ( 5 ) - Acquisition of location information, states that : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692e ( 2 ) ( 8 ) ( ( 10 ) ( 11 ) - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
1. This collector used false and misleading information by stating that they are the creditor to whom the debt is owed. They are a third party and NOT the original creditor. 2. They also offered me three payment plans with savings options. That is false and misleading and a false representation of the amount of debt.
3. They enclosed a statement that says " the savings will be applied to the balance and your account will be considered paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the three major credit reporting agencies delete our tradeline related to your account from your credit bureau report. '' Again, I never gave them or XXXX XXXX XXXX any disclosure to report ANY non public information to a third party or give anyone access to my credit report, especially not a company I have no original contract with.
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| 01/15/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX Credit Card account was reporting activity on a charged-off account, also showing balance as available credit. Disputed this account and it was removed XXXX, XXXX. Portfolio Recovery and Associates first appeared on my XXXX credit report XX/XX/XXXX, and listed an open date of XX/XX/XXXX. The account posted a second time, on XX/XX/XXXX, and reported an open date of XX/XX/XXXX. As dispute report results arrived, credit reports from all three credit were generated as well. By XX/XX/XXXX, the Portfolio account had been filed in all three credit reports, showing different dates between each of the credit reports, and conflicting with what had been reported to XXXX just months earlier, where this account first appeared. Every report, and the results of every investigation is always kept by me. This has given me a very clear picture of what Portfolio has done. By XX/XX/XXXX, Portfolio 's information had changed drastically and multiple times ; the first month this account had appeared, XX/XX/XXXX, was now referred to as the " date of status '', XX/XX/XXXX became the " first reported '', changing from XX/XX/XXXX, to XX/XX/XXXX, finally becoming simply, XX/XX/XXXX. The new date, XX/XX/XXXX is now the " date opened '', and would later become XX/XX/XXXX. I have on my credit file a hard inquiry from XXXX XXXX, dated just 6 days prior, that I did not initiate and did not become evident to me until Portfolio began reporting the XXXX date as the date the account opened. XXXX XXXX appears in the soft pull list several times, giving the reason for the entry each time. The hard inquiry, however, is supposed to list a valid reason, such as applying for a loan or credit card, but states nothing. This account is the charged-off debt I had first mentioned here, that had been disputed and was removed from my credit report a short time before. The hard inquiry states that XXXX XXXX initiated the hard inquiry, which I do not believe they would do for their own records. This account had recently been removed ; once removed, it can not reappear on a person 's credit file. The account was re-inserted, or parked, as their had not been any communication from Portfolio. The account then did not appear on file until months later, posting twice to cause more damage to my credit report and intentional to motivate the hopeful need for a fast payoff. As shown clearly by the numerous date changes, not appearing for months on XXXX and XXXX XXXX reports, before quietly landing just after the hard inquiry, as if this hides anything. I have had a very difficult time trying to remove this account, and its outrageous to me these companies are allowed to operate, and that so many people are subjected to this. It is very serious, as these types of accounts cause such damage, keeping families from owning cars or buying homes, it is well known that an astounding 70-80 % of credit reports are not accurate, and yet are allowed to go on harming people everywhere. I just figured out even more as I type this out the lengths Portfolio went to keep this account on my file, and am even more disgusted. Despite how blatantly obvious this is to me, and would be to others, and this being one of the biggest debt buyers, and most involved in lawsuits, I do not understand how these companies are still in business, or the purpose they could possibly serve being allowed to continue. With that, I believe I have more than adequately described why I should no longer have to deal with this account. It has taken far too much of my time already, has deprived me from a variety of opportunities already, and has clearly violated my rights under the FCRA and FDCPA. I would like to ask the CFPB for their assistance in removing this account from my file. I have previously asked Portfolio for debt validation, and had been given the front page of my old XXXX XXXX statement, showing what I had owed at the time, in a much smaller format, and printed on paper bearing Portfolio 's markings. This is obviously insufficient, and supposed to be supplied from the original creditor, not the debt buyer. They clearly can not prove the validity of this debt, and have not answered my recent letter requesting their method of verification, sent by certified mail to the credit bureaus, with signature confirmation proving the request had been received. The credit bureaus are required to submit my request to the debt buyer, and within 15 days respond to me with the requested information. At this point, if these accounts are not removed, as the 15 days have now passed, I will be left unable to understand why these laws created to protect consumers from this are not protecting me.
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| 03/23/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am reaching out to Portfolio Recovery Services collection agency with my 4th dispute notice sent Certified Mail ( USPS tracking # XXXX XXXX XXXX XXXX XXXX. The first two dispute notices sent to their company they NEVER RESPONDED. Instead, their company deliberately FALSIFIED to the Federal Trade Commission and the Credit bureaus that they contacted me in accordance with the Federal Trade Commission and FDCPA. After they gave their lies to the credit bureaus and deliberately updated the account that they FAILED to acknowledge or respond to my disputes about, they then deliberately updated the exact same account on a consistent basis with false comments as if they truly reached out to me.
On XX/XX/XXXX, a representative contacted the phone number of XXXX and hung up on the gentlemen who advised the representative that their company has been ignoring the dispute letters and FTC violations their company continues to commit. The first representative that called the number of XXXX on a recorded call began speaking about my account to the male who answered the phone. She did not follow any collection laws. She did not give the mini XXXX, she just started blabbing on about the account the moment the phone was answered. After the representative gave my information to a person other than myself, she then hung up the phone when questioned by the gentlemen who advised her of the FTC violations Portfolio Recovery Services continues to commit. Again, this was all on a recorded phone line. After that the Senior Manager XXXX XXXX ran her mouth about the account that was discussed with someone other than myself with no verification given. On XX/XX/XXXX ; the Senior Manager XXXX XXXX admitted on a recorded line that Portfolio Recovery Services received both of my certified dispute letters in XX/XX/XXXX & XX/XX/XXXX. When she was asked why did Portfolio Recovery Services never respond back she stuttered and advised Portfolio Recovery Services failed to respond due to them still looking into it. However, Portfolio Recovery Services falsified to the credit bureaus that they did respond back to my dispute letters and that their response was in accordance with the FTC and FDCPA.
As a result of their lies, I have re-contacted the Federal Trade Commission. I have advised the FTC to listen to the recorded call from Portfolio Recovery Services on XX/XX/XXXX at XXXX pm CST, or XXXX pm EST. The call lasted 1 minute and 30 seconds due to representative hanging up the phone after hearing about the FTC. The second call was an incoming call at XXXX pm CST or XXXX pm EST. The male caller spoke to Senior Manager XXXX XXXX for XXXX minutes and XXXX seconds.
I have requested that the FTC listen to both calls to verify and review how they not only ignored all of my disputes sent Certified Mail, but they also lied to the FTC and the credit bureaus after they ignored them, advising those agencies that they did respond when they did not. And the end result of all of this, is that they then violated my consumer rights & discussed my account information with a person other than myself. And Portfolio Recovery Services admitted to the company not responding to the disputes based on her recorded response on XX/XX/XXXX. Previous FTC XXXX # 's XXXX & XXXX Again, by law they have no right or legal authority to continue to list or update this account as they've illegally done with the credit bureaus. Portfolio Recovery services lied and used deceptive collection tactics by adding this account to my credit and illegally pulling my credit without ever notifying me! It is when I contacted their company with a dispute after witnessing them illegally pulling my credit, their company then secured themselves by giving lies to hide their deceptive tactics to the credit bureaus & the FTC. The FTC needs to shut down Portfolio Recovery Services for being an articulate liar!! For them to lie to the FTC and the Credit Bureaus to such a magnitude ; demonstrates they have no regards for the FTC and their laws.
Prior FTC violations committed by Portfolio Recovery : Illegally pulling my credit Placing an account on my credit without giving me the right to dispute Placing an account on my credit while failing to notify me by mail Ignoring all of my dispute notices sent certified mail Falsifying that you responded back to my dispute notices received certified mail New FTC violations committed by Portfolio Recovery : Failure to provide mini XXXX Failure to verify full and complete information Immediately discussed the account with a person other than myself Admitted on a recorded line that you did not respond back to the Certified dispute letters received.
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| 12/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt dispute letter. They have denied my dispute stating they sent me a verification back in XX/XX/2022 and because I did not reply to that initial response the debt is valid. According to the Califormia Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. That debt dispute would include but not be limited to the contract I ( XXXX XXXX ) allegedly signed to XXXX XXXX as the bearer of the debt. The original statement from the creditor and explanation of transactions and if their are interest fees the reasoning they were charged. The official documents Portfolio Recovery Associates has that state they are the legal owners of the debt. Providing their license # to collect debt in the state of California and their California branch information. In addition license # and investigation branch in their stationed state of Virginia. Along with all the details of the debt including how much they paid to purchase it. I have provided proof that Portfolio Recovery Associates received my debt validation and dispute request letter on XX/XX/XXXX and signed its delivery. They did not respond within their 30-day validation window from that date. Furthermore, Portfolio Recovery Associates has never sent me a proper debt validation they sent me a debt verification in XXXX of XXXX which simply stated the debt amount and their company info so their defense is a moot point. I filed a report against Portfolio Recovery Associates LLC with the Consumer Financial Protection Bureau on XX/XX/XXXX and the case was closed stating they sent verification in XXXX. However, I believe this is incorrect because Portfolio Recovery Associates LLC failed to provide me with all the information I requested in a dispute and have a right to under California debt collection law. Specifically they failed to provide the following : -CA license # -CA branch information - the date I allegedly defaulted with original creditor -An official document stating they are the owners of the debt ( Not just a letter paragraph typed up with no legal letterhead or signature from respective parties ) How much they paid for the debt and specific date and time that transfer transaction took place -Names of all purchasers since chargeoff - failed to provide receipt and reasoning for every interest charge since last payment on debt ( explaining how a credit limit of {$300.00} at XXXX of XXXX can accrue over {$130.00} of interest in less than seven months which is the usual chargeoff period ) - also explain the discrepancy of why the balance they are collecting on is {$430.00} when the statement they sent from XXXX XXXX says the last balance was {$420.00}.
-Not sending the mandatory disclosures clauses required under CA law 1788.52 ( 7.D.1 ) { " A debt buyer shall include with its first written communication with the debtor in no smaller than 12-point type, a separate prominent notice that provides : You may request records showing the following : ( 1 ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date of default or the date of the last payment ; ( 4 ) the name of the charge-off creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt, as appropriate ; and ( 6 ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to : [ insert debt buyers active mailing address and email address, if applicable ]. } Given that I originally disputed this debt XX/XX/2022 and Portfolio Recovery Associates LLC first and only written communication with me has been on XX/XX/2022 and arrived to me on XX/XX/2022 after my dispute with the cfpb on XXXX XXXX XXXX. Along with their lack of good will in abiding by my california consumer rights even when I presented those rights and requests in my original dispute they still refuse to supply such data and protocols that are required of them. As such I believe a fair resolution to this matter would be that the debt account closed and stopped being pursued in my name. Along with the collection being removed from all three reports from the major credit bureaus
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt.XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX XXXX XXXX, Portfolio Recovery A & XXXX XXXX has provided false information to XXXX XXXX & XXXX
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL " [ XXXX XXXX ] LAST REPORTED DATE XX/XX/XXXX { REMARKS ON THE XXXX XXXXXXXX ACCOUNT NEED TO REMOVED & UPDATED } ''. " [ DEPT OF ED / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXXXXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ PORTFOLIO RECOVERY ] LAST REPORTED XX/XX/XXXX.
I dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below 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 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? 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. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. 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. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Summary : I am contacting your services regarding several issues and concerns a debt collection company practicing business under the named Portfolio Recovery Associates. This company placed a fraudulent account on my credit report as not being paid. The account in question dates back to XXXX when I had been the victim of identity theft at the University I attended at the time. In XXXX The company to which the account was opened " XXXX XXXX was notified that the account was created using stolen information and faxed a police report from the Universities Police dept. I was given a case ID by XXXX XXXX and informed they would resolve the issue.
A decade later in XXXX I received a notice from Portfolio Recovery Associates advising that I owe a balance for a XXXX account. I have informed this company numerous times that the account was created as a result of criminal activity. I provided them with timely responses challenging the debt presented and requesting additional information regarding the foundation of the debt and its validity of the debt. I have never claimed owner ship or acknowledge ownership of the debt as I was the victim of fraud.
Portfolio Recovery Associates took it upon themselves to validate the debt without my authority and listed it on my credit report. Portfolio Recovery Associates had refused to acknowledge and respond to direct request for further information after the document which is a computerized billing statement dated for " XXXX '' that had been sent to me as claim of their proof of account authorization.
My credit report showed Portfolio Recovery Associates as a collections account attempting to collect a debt on a " loan '' for the amount of {$3300.00}. I have never borrowed money from Portfolio Recovery Associates. I have never authenticated that this debt was valid nor created by myself. I have also recognized that the balance for the account is also significantly higher than what was reported in XXXX when the account was reported to XXXX XXXX as being fraudulent and was to be closed.
I originally reached out to the Credit Bureau informing them that this account was created out of fraud and supplied them with the supporting documentation. I later received a notice from Portfolio Recovery Associates regarding that the account was " being placed under investigation '' and this time I received an additional form from them titled as an " Identity Theft Affidavit ''.
This form is designed to deliberately mislead persons into filling out and providing sensitive information to Portfolio Recovery Associates for their own corporate use. The form is an altered Police Report form referencing actions that Portfolio Recovery Associates can not legally take nor authorize themselves to do on behalf of a victim.
In areas the form references general information that is allowable to be collected by a Collections Agency but then further slips into Information that is not required to be provided to a collections agency in order to report " Identity Theft '' without telling the person receiving the form that it is optional and not required to process a claim of fraud.
The form also ask for information and requests that are made to be extremely excessive and discouraging to anyone reporting an account to Portfolio Recovery Associates for fraud.
I had submitted the required correspondence to Portfolio Recovery Associates under the FDCPA advising them that the account was fraudulent with supporting documentation to validate that the account was not opened under my consent.
As a result this company has deliberately damaged my credit by falsely reporting a debt and refusing to remove the debt after they have been made aware was not created by the person they are attempting to collect the debt from. Portfolio Recovery Associates has refused to answer any specific questions I have submitted to them regarding this debt. As I have attempted to get information from them for several years regarding this account which has been largely ignored.
Their responses have been generic letter responses that their company is doing an investigation to which they always claim the debt is valid after waiting the legal period of time and submit back to me the same generic computerized statement that was originally brought into question to me in an attempt to collect on it.
Attached you will find supporting documents and a history of correspondence regarding the presented balance and discrepancies with Portfolio Recovery Associates collections behavior and lack of compliance to the Fair Debt Collection Practices Act.
|
| 04/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX have tried to protect my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). The damages done to me under a legitimate identity theft claim in unprecedented. I am a XXXX XXXX XXXXXXXX, working XXXX XXXX raising children to believe in the American system. Yet, national banks can make moves against me as an individual for collection on debts that could have easily been made whole by filing claims through the Federal Deposit Insurance Corporation ( FDIC ). In XXXX I did everything by the book by submitting an identity claim filed with my local police department, stating that a family friend had acquired several of my credit cards, and ran them up on charges without my knowledge. Identity theft is a federal crime, 18 U.S. Code 1028A. Aggravated identity theft, see recent USA v. Soffan ( 3:19-cr-30004 ), Massachusetts District Court , Filed : XXXX. This individual received several years in federal prison as a sentence and hundreds of thousands of dollars in restitution for the same crime procured against me. Yet, the person who committed identity theft against me has never been question by a federal agent or arrested for a malicious crime where I along with my entire family has been financially harmed. The national banks on the other hand have been in a position to erase these debs against me through a claim under the Fair and Accurate Credit Transaction Act. His law was implemented in 2003 by the United States Congress as a protective means against identity theft, yet it has little effect in general. The local Soffan case is an example, identity theft is run on a rather large scale in my general region. My research has shown that each of these credit card debts went through several stages, or at least should have gone through before any legitimate collection process could begin. That criteria are as follows : 1 ) My original credit approval submitted a credit card in my name for usage in purchasing goods and services.
2 ) The line of credit was packaged into a securitization in a pooling and servicing agreement, governed through the Securities and Exchange Commission, and sold off as secured receivables through such pooling and servicing agreements, normally in the one billion dollar amounts or greater, particular securitization not researched. When any credit card went 120-days into default, then under Regulation 5000 the account is classified as sub-standard charge off status. Upon that time the receivable is reversed out of any securitized trust, WILLARD v. BANK OF AMERICA, CIVIL ACTION NO. 16-01199, and the original lending party become responsible for payment enforcement, unless the original debt is sold to a third-party under guidelines of Henson v. Santander Consumer USA, NA., whereas if that was the case then my rights under FDCPA are VOID. ( See Attached US Supreme Court Decision XXXX XXXX XXXX
3 ) All banks in my identity theft took zero action to see that the person responsible be brought to justice like Mr. Soffan. I believe that racism has played a major part in not protecting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). This is not acceptable under any circumstances.
4 ) I will submit a complaint to the Massachusetts Office of Attorney General as well as the National Association for the Advancement of Colored People, XXXX XXXX XXXX, as I can prove that the lack of honesty in going through protocol was ignored based upon my race.
5 ) At all times since the original creditor was reassigned ownership of these debts from a securitized trust did any of the bank concerns, or collection agencies file a claim with the Federal Deposit Insurance Corporation ( FDIC ), but the same banks had no problem destroying my personal credit rating, making it impossible for me to obtain mortgage approval to buy a home in a safe neighborhood.
6 ) These debt collections must be deleted permanently from all pertinent credit reporting agencies. All securitizations are self-insured through their credit ratings, insuring a premium on each pooling agreement package that is 100 % profit to all banks packaging securitizations. I filed an identity theft claim with all national banks, and I was ignored completely. I demand the removal of theses collections, the purging of my information on file, and a cease and desist from any further collection attempt, including but no limited to calls made to my cell phone and employment.
XXXX XXXX
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| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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Please reference previous complaint # XXXX. As previously stated, I never received any notification by Portfolio Recovery Associates of a alleged debt because as I have previously mentioned I moved out of my old home at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX mid 2019. So it would have been impossible for me to receive any communication from PRA and any return to sender notification could have been intercepted by the new residents of my previous residence and viewed as junk mail and destroyed. Upon moving from my previous address and moving out of the United States, I forwarded my mail from my previous address ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) to a US Post Office Box, however, I did not receive any mail from PRA as I would every other piece of forwarded mail to my USPS postal box.
Since leaving the country in XXXX of 2019, all of my mail is received by a trusted family member and we are also enrolled in the USPS informed delivery program and would have been notified of any forward mail from PRA, which never happened. So no I was never informed of any un-owed debt by PRA, and it is their responsible to send notification to an individuals current address and not that individual former address, a simple query or soft credit pull would have made them aware of my new mailing address.
Regarding the incorrect balance which PRA has always maintained and reported to the sum of {$710.00} dollars and not the correct previously owed but deleted balance of {$710.00} to XXXX XXXX.
According to law regulating debt collection, the balance being pursued " MUST BE CORRECT '' and there is no wiggle room around it. It is PRA responsibly to report accurate information on a consumer credit file/report and there is no exception, they must also maintain that the credit bureau reflect accurate information and update any errors accordingly, this in not my responsibility and any inaccuracies reported falls between themselves and the credit bureau ( s ). Portfolio Recovery Associates do not have the pleasure nor the luxury of a, " DO OVER '' since the Fair Credit Reporting Act, requires that all data/information placed on a customer credit report be, " 100 PERCENT ACCURATE '' and any information found to be inaccurate, " MUST BE REMOVED/DELTED ''.
PRA have maintained that the original debt is {$710.00} dollars which was proven to be and incorrect balance, the previous deleted balance amount owed to Capital One was {$710.00} and not {$710.00}, this is verified information which I have previously provided to CFPB by way of attachments/proof of the error in PRA alleged debt balance.
Furthermore, it is not my responsibility as a protected consumer under federal and state law that the information shared between Portfolio Recovery Associates and the Credit Bureaus also known as ( XXXX XXXX, XXXX ) or any other bureaus which maintains consumer credit data and for Portfolio Recovery Associates to say that they have no control as to the accuracy of information added to a consumer credit report/file is no accuse, since they too have a LEGAL obligation along with the credit reporting agencies to maintain accurate information/debt reporting as it applies to data entered into a consumer credit file/report.
As a result of inaccurate debt reporting by Portfolio Recovery Associates and any one of the major credit reporting agencies involved in applying INACCUATE data reporting of an alleged collection debt to the sum of {$710.00} ( XXXX, XXXX and XXXX ), I have been harmed and my consumer credit protection rights have been violated and as a result, I am demanding that this inaccurate alleged debt be DELETED and a cease and desist be be in effect of any further attempts by PRA be halted from further harm to my consumer credit report IMMEDIATELY and without delay.
If no relief is granted by CFPB who I believe is not applying federal law and is simply closing my complaint upon any response from Portfolio Recovery Associates, I will submit a complaint to the Federal Trade Commission and/or my Nevada State Congressman 's office and my family attorney if necessary. There is no limit I will not go to ensure that my right as a protected consumer under the protection of Federal and State law be adhered and all remedies be applied.
I have previously provided evidence to the Consumer Financial Protect Bureau and Portfolio Recovery Associates and clearly mistakes were made with regards to legal notification of alleged debt, and the incorrect balance being reported on my consumer credit file/report which must DELETED/REMOVED immediately.
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| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Dear CFPB Team, The reason for my complaint is that I have tried to resolve the account for : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX Balance was : {$3000.00} This account was sold to Portfolio Ricovery Associates LLC. This is an old and account and has expired.
After I have tried to negotiated with XXXX when I have called at XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX : XXXX XXXX XXXX about my financial situation and that she agreed that will be sending a settlment letter for the amount of {$1100.00} ( Please see a copy ) and that once the payment is received the account will be delete it from all credit reports.
I have waited this letter before sending any payment and received around XX/XX/XXXX. I have proceed to send a XXXX Check settlemnet payment for {$1100.00} before XX/XX/XXXX via Certify Mail tracking # XXXX. I was tracking this mail daily and this mail was received at XXXX VA XXXX XXXX on XX/XX/XXXX. But for some reasons it did changed and stayed as of today as '' arriving late ''.
After a few days I checked again the Certify Mail tracking # XXXX for status and remains the same. Return Receipt # XXXX I have sent XXXX an email explaining that I have sent the payment but USPS tracking # reflects there was a delay.
After investigating with XXXX Check Cashing for status of check, for my surprise, the check was cashed by Portofolio Recovery Associates on XX/XX/XXXX ( please see copy with stamp ) which indicating that they actually have received the payment but for some reasons was not reflecting on the USPS Tracking site.
After I have sent another email and letting them know that in fact XXXX received the settlement payment as agreed, they sent me another email requesting last four digit of social including some type of email agreement not to disclose the emails which I never confirm.
After sending the email again with all finding including my last four of SS for them " to verify the account '' no response as of today.
This account has been settled with agrement including the deletion of this account over the phone. And a confirmation for settlement was received via mail from XXXX.
Wether the Postal Office in XXXX VA assist XXXX to hide this information I want to request a deep investigation for violations to the XXXX XXXX at XXXX VA including how XXXX was able to cashed the settlement check without the Certified Mail signature confirmation.
I want to report this to FTC Complaint for an investigation.
Also, I have checked my XXXX and all credit reports and does reflect a remaining balance to PRA that should be in fact settled, closed and deleted per our conversation with XXXX XXXX
I have recorded all conversation in case they deny this as I have proof. I have also a have a witness as I have speaker phone when I have start speaking with XXXX XXXX.
In addtion, XXXX XXXX XXXX changed and signed a legislation for the statute of limitation in the state of NY from XXXX years to XXXX years starting XX/XX/XXXX. This account is already been expire which should be removed from all my credit reports.
I am also aware that debt collectors like PRA buy by pennies per dollars old debts and trying to collect in full balance by harrasing the consumer, when they are not the original creditor.
I am also requesting the deletion for PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX {$3300.00} Account number XXXX. This account should be DELETE it as well from all credit reports as this account has been expired. Last payment was XX/XX/XXXX. But account was around XXXX. In addtion that the original creditor : XXXX BANK XXXX XXXX XXXX {$3300.00} Account number : XXXX this account is no longer reflecting in my credit reports. Therefore, the PRA should be delete for an account that does not exist!
I am aware that XXXX did not bought this debtf or the same amount as the original creditors.. They buy debts by pennies for a dollar. Then run behing people asking for the full amount. This is how they make a big profit under the burden of the consumer misery.
I am trying to get up on my feets but if this continue and unable to delete this accounts, I feel the pressure of Bankruptcy will be best option for all this burden.
Please see all communication, letters, proof of payment, tracking numbers, proof of a balance in XXXX XXXX reports, for your review.
Please note : some of the email I have trouble to print specially the first XXXX as this emails was protected from XXXX preventing me to print apropiertly.
I feel cheated and disappointed
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago.
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.
Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
You PORTFOLIO RECOVERY have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately.
Further More You PORTFOLIO RECOVERY Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations unde
r 15 USC 1692 e that you are implementing your self.
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is CCed to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney ).
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
The Following information is required. Please fill out the form below in its entirety.
Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any Judgements been obtained by any creditor regarding this account?
Yes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary :
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| 03/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have experience identity theft on my credit. I disputed 3 accounts 2 of them being the same account that is reporting on my credit report from Portfolio Recovery Associates ( PRA ). I mailed in a request to validate these accounts which requests sending me signed documentation bearing my signature along with a list of other documentation that I requested. My validation letter stated as such : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
I emailed the information and I mailed the validation still not receiving all that I requested. I need all the information that I requested not part of the documentation that I requested and PRA ( Portfolio Recovery Associates ) did not provide that. I have the emails that PRA responded without sending none of the documentation. The accounts in question are : XXXX, XXXX, and a duplicate XXXX. I am a victim of identity theft and I currently have legal representative for a credit cards that i did not apply for nor have knowledge too. These 3 accounts need to be removed immediately!
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| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I am writing in regards to Portfolio Recovery Associates , LLC letter dated XX/XX/2023, in which you claim to have reviewed my dispute. However, I must express my dissatisfaction with your response and bring to your attention several violations of consumer protection laws and credit reporting regulations.
Intimidating Language and Unauthorized Legal Threats : It has come to my attention that your agency is not licensed to sue in the state of California. Therefore, the use of intimidating language suggesting potential legal actions against me is both inappropriate and in violation of consumer protection laws. As a consumer, I have the right to be treated fairly and without threats or harassment.
Request for New Information : Contrary to your assertion that my dispute alleges no new facts and includes no new information, I must bring to your attention that I have never previously requested the specific information contained in Schedules RC ( Balance Sheet ), RC-E ( Deposit Liabilities ), RC-C ( Loans & Leases ), RC-L ( Derivatives, and off-balance sheet items ), and RC-S ( Servicing, securitization, and asset sale activities ). This information is directly relevant to the validation of the alleged debt and my right to seek debt verification.
Violation of Consumer Rights : I believe that your previous response, as well as the tone and content of your latest letter, may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The FCRA requires debt collectors to provide accurate and complete information upon request and to conduct a reasonable investigation when a consumer disputes the accuracy of information.
Compliance with Securities and Exchange Commission ( SEC ) Regulations : Given your involvement in the acquisition and management of financial assets, I would like to remind you of the importance of adhering to the regulations set forth by the Securities and Exchange Commission ( SEC ). Compliance with these regulations is crucial in ensuring transparency and accountability in your business practices.
In light of the aforementioned issues, I kindly request that you provide me with the following information : a ) Verification of the Original Creditor : Please provide documentation that substantiates the identity and contact information of the original creditor, including any account numbers or references associated with the alleged debt.
b ) Detailed Account Information : Kindly furnish a detailed statement of the account, including a breakdown of the principal amount, interest, fees, and any other charges claimed to be owed.
c ) Agreement and Contract : Please provide a copy of the signed agreement or contract that establishes my obligation to pay the alleged debt.
d ) Proof of Assignment : If the debt has been sold or transferred to your agency, please provide documentation that confirms your agency 's legal authority to collect the debt on behalf of the original creditor.
e ) Itemized Transaction History : I request a complete itemization of the debt, including all relevant transactions, payments, and adjustments related to the account.
f ) Schedules RC-Balance Sheet, RC-E-Deposit Liabilities, RC-C-Loans & Leases, RC-L-Derivatives, and off-balance sheet items, RC-S-Servicing, securitization, and asset sale activities : Please provide relevant portions of these records as mentioned in the debt verification process.
I must emphasize that credit card statements or incomplete documentation will not be considered as valid verification of the debt. I expect your agency to fulfill its legal obligations by providing the requested information in a comprehensive and timely manner.
Please be aware that my rights as a consumer are protected by federal and state laws, and any violations of these rights may result in legal consequences. I strongly advise your agency to take this matter seriously and comply with the applicable laws and regulations.
All communication from your agency must be in writing to maintain a clear record of our correspondence.
I kindly request that you respond to this communication within 30 days from the date of receipt. Failure to address the issues raised or continued violation of my rights may lead to further action, including filing complaints with relevant regulatory bodies and pursuing legal remedies.
I look forward to a prompt and satisfactory resolution to this matter. All future communication should be made in writing to maintain a clear record of our correspondence.
|
| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Dear CFPB Team, The reason for my complaint is that I have tried to resolve the account for : Original Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance was : {$3000.00}. This account was sold to Portfolio Ricovery Associates LLC. This is an old and account and has expired. After I have tried to negotiated with PRA when I have called at XXXX XXXX on XX/XX/2022 at XXXX PM and spoke with PRA XXXX : XXXX XXXX XXXX XXXX my financial situation and that she agreed that will be sending a settlment letter for the amount of {$1100.00} ( Please see a copy ) and that once the payment is received the account will be delete it from all credit reports.
I have waited this letter before sending any payment and received around XX/XX/2022. I have proceed to send the PLS Check settlemnet payment for {$1100.00} before XX/XX/2022 via Certify Mail tracking # XXXX. I was tracking this mail daily and this mail was received at XXXX VA Postal Office on XX/XX/2022 and ready for delivery on same day.
But for some reasons it did changed and stayed as of today as '' arriving late ''.
After a few days same week, I have checked again on the XXXX for the Certify Mail tracking # XXXX for status and remains the same. Return Receipt # XXXX. As of today this tracking history still reflecting " arriving late '' but did not updated the status that this mail in fact was received by the destination PRA.
I have sent PRA an email explaining that I have sent the payment but USPS tracking # reflects there was a delay.
.
After investigating with PLS Check Cashing for status of check, for my surprise, I have find out that the check was cashed by Portofolio Recovery Associates on XX/XX/2022 ( please see copy with stamp ) which indicating that they actually have received the payment but for some reasons was not reflecting on the USPS Tracking site.
I have sent another email and letting them know that in fact PRA received the settlement payment as agreed, they sent me another email requesting last four digit of social including some type of email agreement not to disclose the emails which I never confirm.
After sending the email again with all finding including my last four of SS for them " to verify the account '' no response as of today.
I have also investigate the USPS Postal Office at XXXX VA and deny they have received the Certify Mail.
This account has been settled with agrement including the deletion of this account over the phone. And a confirmation for settlement was received via mail from PRA.
I want to request a deep investigation for violations to Portfolio Recovery Associates incuding the Postal Office at XXXX VA in how PRA was able to obtain the payment and cashed the settlement check without the Certified Mail signature confirmation.
I want to report this to FTC Complaint for an investigation.
Also, I have checked my XXXX and all credit reports and does reflect a remaining balance to PRA that should be in fact settled, closed and deleted per our conversation with MRs. Mezza.
I have proof of all conversation when XXXX XXXX not only mention about a settlement of {$1100.00} but will delete this account once the payment was received. They gaved me until XX/XX/2022.
I have also a have a witness as I have speaker phone when I have start speaking with XXXX XXXX.
In addtion, XXXX XXXX XXXX changed and signed a legislation for the statute of limitation in the state of NY from six years to three years starting XX/XX/2022. This account is already been expire which should be removed from all my credit reports.
I am also aware that debt collectors like PRA buy by pennies per dollars old debts and trying to collect in full balance, when they are not the original creditor.
I am aware that PRA did not bought this debtf for the same amount as the original creditors.. They buy debts by pennies for a dollar. Then run behing people asking for the full amount. This is how they make a big profit under the burden of the consumer misery.
I am trying to get up on my feets but if this continue and unable to solve this accounts, I have no more choice but considering XXXX.
I feel the pressure of filing Bankruptcy will be best option for all this burden.
Please see all communication, letters, proof of payment, tracking numbers, proof of a balance in XXXX XXXX reports, for your review.
Please note : some of the PRA emails I have trouble to print out specially the first one as this emails was protected from PRA preventing me to print apropiertly.
I feel cheated and disappointed.
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent this letter to XXXX XXXX XXXX, XXXX back in XX/XX/XXXX in which I never received a response from them please see the tracking number attached with the file. Portfolio Recovery Associates has extremely rude and condescending customer services representatives. I contacted them again on XX/XX/XXXX only to be transfered to a person that says that she is the supervisor ( XXXX XXXX ). Instead of trying to listen to what I had to say she started to be little me and telling me that I had to pay the debt even when I told her that I paid the debt to a previous Collection Company that XXXX XXXX told me that the send the debt too. I even told her I had the letter from XXXX XXXX and the proof of payment. I asked XXXX XXXX XXXX, XXXX to remove the tardeline completly from my credit report by XXXX they continued to threaten me about the debt, eventhought I do not owe XXXX XXXX XXXX, XXXX anything. I contacted XXXX XXXX themselves and asked why they continue to report this derogatory tradeline even though it was paid they stated that it was a miskate and it should not show as a opened trade on my credit report and they would delete the inaccurate information.
XXXX XXXX XXXX, XXXX however continues to report negatively on my report over the last 26 months.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX
|
| 10/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Re : Dispute of Unauthorized Collection Agency Reporting, FCRA Section 609 Compliance, Impact of Auto Repossession, Delinquent Student Loans, and Request for Goodwill Removal To Whom It May Concern, I am writing on behalf of XXXX XXXX, a valued consumer who has sought our assistance in addressing discrepancies and adverse actions reported on their credit file. We believe that the reporting of these adverse actions may not comply with federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and its Section 609, regardless of the validity of the negative accounts in question. These adverse actions, including unauthorized collection agency reporting, are impeding XXXX XXXX 's ability to obtain new credit accounts. Additionally, we wish to highlight the adverse impact of an auto repossession and delinquent student loans that remain on XXXX XXXX credit report.
Unauthorized Collection Agency Reporting : Our primary concern is the unauthorized reporting of negative accounts by a collection agency, XXXX XXXX XXXX and Portfolio Recovery Assoc, which does not have a valid agreement or authorization from XXXX XXXX to report this information on their credit file. The FCRA requires that any entity reporting negative account information must have authorization to do so from the consumer in question. XXXX XXXX has never entered into an agreement or provided authorization to XXXX XXXX XXXX and Portfolio Recovery Assoc to report on their behalf. There was an agreement with XXXX XXXX and XXXX XXXX but not with XXXX XXXX XXXX and Portfolio Recovery Assoc.
We kindly request a thorough investigation into the unauthorized collection agency reporting of the following negative accounts on XXXX XXXX 's credit file : XXXX XXXX XXXX Portfolio Recovery Assoc Impact of Auto Repossession : In addition to the unauthorized collection agency reporting, we want to highlight the adverse impact of an auto repossession on XXXX XXXX credit report. The repossession occurred during a period of financial hardship, and it has significantly affected their creditworthiness. We kindly request an investigation into the auto repossession and its reporting, along with its impact on XXXX XXXX ability to obtain new credit accounts through XXXX XXXX XXXX.
Delinquent Student Loans : Furthermore, we wish to bring to your attention the presence of delinquent student loans on XXXX XXXX 's credit report. While we understand the importance of accurate reporting of debts, we believe that there may be inaccuracies or discrepancies related to these student loans that are negatively impacting XXXX XXXX 's credit profile. We request a thorough review of these student loan accounts and their reporting to ensure compliance with applicable laws.
FCRA Section 609 Compliance : Furthermore, we would like to draw attention to FCRA Section 609, which obligates consumer reporting agencies to provide consumers with a copy of their credit report upon request. It does not distinguish between the validity of the negative accounts contained within the report. We are aware that Section 609 does not assess the accuracy or validity of accounts but instead focuses on ensuring that consumers have access to their credit information.
Impact on Obtaining New Credit Accounts : In accordance with FCRA Section 615, adverse actions can significantly hinder a consumer 's ability to secure new credit accounts. These actions often result in credit denials, higher interest rates, or less favorable terms on credit applications. The inability to obtain new credit accounts has a profound impact on an individual 's financial well-being and opportunities.
Request for Goodwill Removal : In the event that the reported violations are not deemed sufficient for immediate removal of these adverse items, we kindly request that the CFPB considers goodwill removal as a means to help alleviate the adverse impact on XXXX XXXX credit report. Goodwill removal is a compassionate action that acknowledges the consumer 's efforts to address and rectify past financial difficulties.
We appreciate your prompt attention to this issue and request a comprehensive investigation into the aforementioned concerns, including the unauthorized collection agency reporting, the impact of the auto repossession and delinquent student loans on XXXX XXXX ability to obtain new credit accounts, and the possibility of goodwill removal.
Thank you for your cooperation in addressing this matter within the bounds of consumer protection laws.
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You PORTFOLIO RECOVERY have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST PORTFOLIO RECOVERY XXXX5 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you PORTFOLIO RECOVERY are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE XXXX Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Account name Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 01/02/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX contacted me stating that I owe them a debt XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ATTN : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account number XXXXXXXX XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XXXX XX/XX/XXXX.
Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX AND I NEED YOU TO CEASE DESIST ALL COMMUNICATIONS ON EVERY MEDIUM
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| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XX/XX/XXXX - Portfolio Recovery Associates , LLC ( PRA ) brought an action against me seeking to recover an unpaid balance on a credit account. A process server was hired by PRA. On XX/XX/XXXX, he conducted an improper service of process by leaving the summons on my porch while I was out of town. My neighbor picked up an XXXX delivery from my porch and found the summons underneath the package. ( Photo attached ) XX/XX/XXXX - A Default Judgement was entered in favor of PRA.
XX/XX/XXXX - I motioned the court to set aside the default judgment and filed an appeal at the same time. The trial court didn't rule upon the motion because it wasn't placed on the docket to be heard. Inadvertently, the clerk filed the appeal with the appellate court on XX/XX/XXXX.
XX/XX/XXXX - The appellate court acknowledged the Notice of Appeal was filed.
XX/XX/XXXX - Request for transcript.
XX/XX/XXXX - PRA entry of appearance filed by XXXX XXXX XXXX XX/XX/XXXX - Certified copies of the legal file prepared PRA filed a motion to dismiss and a motion for damages for a frivolous appeal asserting that my appeal should be dismissed because it was directly from the default judgment and not from the denial of a motion to set aside the default judgment.
XX/XX/XXXX - PRA 's motion to dismiss was granted. The appeal was dismissed without prejudice. PRA 's motion for damages for a frivolous appeal was denied.
XX/XX/XXXX - Testimony Motion Hearing Scheduled for XX/XX/XXXX XX/XX/XXXX - I refiled an amended motion to set aside the default judgment in the trial court.
XX/XX/XXXX - Evidentiary Hearing, the default judgment was set aside, and PRAs attorney, XXXX XXXX, agreed that Service of Process was improper. We are currently going through the discovery process. I have requested authenticated documents from all of PRA 's attorneys involved with my case. As of the date of this complaint, I have not received any authenticated documents and neither were there any attached to the complaint filed against me.
XX/XX/XXXX - PRA attorney, XXXX XXXX, refused to show me documents ( i.e.contract, assignment, terms of the contract, etc. ) stating that he didn't have to bring those documents to the hearing, he only has to bring them to Trial, then he proceeded to convince me to set a date for trial in 90 days. My friend who was helping me to understand the court procedure told me to only allow PRA 30 more days and I did.
XX/XX/XXXX - I served PRA Attorney XXXX XXXX, and filed with the court a motion to strike business records and affidavit filed by PRA in this case. I also filed requests for Admissions and Production.
XX/XX/XXXX - PRA attorneys filed a motion for leave to respond to discovery requests based on my non-compliance with Mo. R. Civ Proc 59.01 ( C ) ( 3 ). I gave PRA attorneys copies in open court. This is yet another stall tactic perpetrated by PRA because of the information I have requested from them.
XX/XX/XXXX - I will refile with the trial court and serve PRA Attorneys a motion to strike business records and affidavit filed by PRA, and requests for Admissions, Interrogatories, and Production with expected compliance on or before XX/XX/XXXX. If I haven't received anything from them by XX/XX/XXXX, I will file with the trial court a motion to dismiss for failure to respond.
PRA is violating Consent Order File No. 2015-CFPB-0023. Specifically, Section VI, Collecting Debts without a reasonable basis ; Section VIII, Threatening or Filing Collection Lawsuits without an intent to prove the debt, if contested ; and Section IX, Filing False or Misleading Affidavits.
I lost my job in XX/XX/XXXX. I discovered this lawsuit was filed against me in XX/XX/XXXX. I have been under a great deal of pressure and am suffering from XXXX and XXXX. Trying to find a job to meet my basic needs for food and shelter has stressed me out and then having this lawsuit against me has taken a toll on me mentally and physically. Some days I can't clear my head to think clearly enough to seek out jobs and go on interviews. If I get a job, I'm afraid that I'll have to miss work to go to court. I feel tormented by this whole ordeal. Since I don't have a job, I can't go see a doctor because I don't have the money to do so. My back is up against the wall and I need help now. Fighting PRA has been going on for over a year now and they haven't given me anything that makes me believe they have the right to sue me.
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| 04/01/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I am writing in reference to Portfilo Recovery Associates, LLC who regularly collect debts for other parties and is a debt collector as defined by the FDCPA. All material to the allegations of this Complaint, Portfolio Recovery Associates , LLC was acting as a debt collector with respect to the collection of my allege debt. Portfolio Recovery Associates , LLC sought to collect a consumer debt from myself arising from and alleged delinquency on a debt they purchased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. when the debt was in default. The debt was incurred primarily for personal, household or family use.
On XX/XX/XXXX Portfolio Recovery Associates LLC mailed a letter stating that they had purchased an alleged debt ( The Letter is attached Exhibit A ) which also had an enclosed letter ( The Letter is attached Exhibit B ) from XXXX XXXX XXXX stating that the debt was acquired by Portfolio Recovery Associates , LLC on XX/XX/XXXX of XXXX. Portfolio Recovery Associates LLC, was notified of my dispute of alleged debt in ( The Letter attached is Exhibit C ) through Certified USPS ( The Letter is attached Exhibit D ) .In reference to ( The Letter is attached Exhibit A ) & ( The Letter is attached Exhibit B ) does not adhere to : 15 U.S.C. 1692g ( a ) states : Validation of debts.
( a ) Notice of debt, contents. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt.
( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Nor does it adhere to : 15 U.S.C. 1692e ( 10-11 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : xxxx ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Portfolio Recovery Associates , LLC Letter is therefore misleading and confusing as the letter states that it is not attempting to collect a debt. Also failing as required by15 U.S.C. 1692g, which, by statute, is only to be given to the consumer within 5 days of the initial communication in connection with the collection of any debt a Verification Notice. Portfolio Recovery Associates , LLC statement This communication is from a debt collector but is not an attempt to collect a debt. Contradicts ( The Letter is attached Exhibit E ) stating this communication is from a debt collector and is an attempt to collect a debt. With this in mind Portfolio Recovery Associates , LLC legal duties are clearly written by the FDCPA on how their interpretation of the law are required.
The law is very clear on these matters of such therefore I respectfully look forward to hearing from your bureau concerning these matters.
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| 01/08/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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In XX/XX/XXXX, I made inquiries with the major credit bureaus ( XXXX, XXXX and XXXX ) to review my files. I discovered an entry by Portfolio Recovery Associates ( PRA ). I was unfamiliar with this entry and began an investigation into this entry. I was unable to determine the validity of the account.
On or about XX/XX/XXXX, I sent a certified letter to PRA asking that they validate the account. In that letter, I specifically requested among other things that seven items be addressed. Those seven items were as follows : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Proof that you are licensed to collect in my state ; and 6. Your license numbers and Registered Agent.
On XX/XX/XXXX, PRA responded to my request. In that response, they failed to address the seven points outlined in the XX/XX/XXXX letter. They did state that they purchased the supposed debt on XX/XX/XXXX. PRA provided no other information in their response.
On XX/XX/XXXX, PRA sent a separate letter stating that the account has been validated and the also sent their supporting documentation. The documentation was copies of reprinted bills and nothing else.
On XX/XX/XXXX, PRA sent an additional letter stating that they are refusing to investigate or validate the account.
On XX/XX/XXXX, PRA sent a reprint of the letter dated XX/XX/XXXX and only changed the date of the letter.
On XX/XX/XXXX, I sent a letter to all three credit bureaus referenced above. I demanded that they validate the account since I was unable to validate the account with PRA. I also requested that the bureaus turn over all documents in its possession that it used to validate the account prior to reporting the account in my credit report.
On XX/XX/XXXX, PRA sent me a letter acknowledging my dispute initiated with the credit bureaus. PRA again failed to provide written proof as requested in my letter dated XX/XX/XXXX. Instead, they send bill reprints and nothing else.
Additionally, on XX/XX/XXXX, XXXX sent me a letter stating that the account is " verified as accurate ''. They never send any of the supporting documentation as demanded on XX/XX/XXXX.
On XX/XX/XXXX, I send a 2nd request to all three credit bureaus demanding verification and written proof of ownership.
On XX/XX/XXXX, I received a letter that the account is " Verified as accurate ''. No supporting documentation is every provided.
Additionally, on XX/XX/XXXX, PRA sends me another acknowledgment of dispute and provides yet another round of bill reprints. They continue to fail to provide any proof that the account belongs to me.
On XX/XX/XXXX, I start receiving large amounts of legal solicitations from attornies. The solicitations reveal that there is a pending case filed in the magistrate court and that I should strongly consider retaining an attorney. The solicitations are all for bankruptcy options to use towards the pending case.
On XX/XX/XXXX, I do my own inquiry at the magistrate court and found a 30-page document outlining that I have a debt with PRA. Again, the only supporting documentation found within the 30 pages is billing reprints. Absolutely no other documentation is filed. As of XX/XX/XXXX, I have yet to be formally served with a copy of the case filing nor have I ever received any communication of the intent to file suit.
I have been using my due diligence in trying to rectify this problem for over one year. It is important to note that I have a similar date timeline with XXXX and XXXX along with similar results from each credit bureau. I have given PRA ample opportunity to do the same to which they have failed to do so.
PRA is attempting to collect an unsubstantiated debt. They have demonstrated that they will act in a reckless manner. Their actions have tarnished my name in public court and they have tarnished my financial credibility on my credit reports. It is clear and obvious that PRA has no desire to prove the debts as they are legally required to do.
PRA has failed to follow legal requirements to notify me of the impending lawsuit. They also failed to provide me with the original documents relating to the account before they filed the lawsuit.
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| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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this complaint is on debt buyer Portfolio Recovery. I have been challenging this account since XXXX with the consumer reporting agencies XXXX XXXX and XXXX. I have also sent Porfolio Recovery a letter XX/XX/XXXX asking for proper validation on this account as I have the right to according to the Fair Debt Practice Act. the only correspondence they send me is a paper stating they deny any inaccuracies reporting to the consumer reporting agencies which clearly is false that is why I am writing this complaint. I have sent the consumer reporting agencies notices on two different occasions. the first letter i sent to the 3 agencies was on XX/XX/XXXX XXXX the second letter I sent to all 3 agencies was XX/XX/XXXX XXXX it is now XX/XX/XXXX and I decided to get a new report from my credit and noticed Portfolio Recovery has reported to XXXX and XXXX on the same day and XXXX on a different day. to my understanding if a data furnisher chooses to report, then the data furnisher must report consistent and accurate information to be in XXXX compliance that is also under the Fair Credit Reporting Act Regulations. and if this data furnisher chooses to modify a account then carbon copies are to submitted to all consumer reporting agencies on a nationwide bases that maintains a file under my name.
Portfolio Recovery reported to XXXX and XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX. now this is the same account but XXXX is reporting letters and numbers in the account number field that is inconsistent with XXXX and XXXX.
The Date of Last Active field reports XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
XXXX is also reporting a Past Due of {$440.00}. Payment Status reports Late 120 days and XXXX is also reporting a Payment History as well as the Last Payment.
XXXX has supplied me with results XX/XX/XXXX Updating this account with a on record until XXXX XXXX XXXX reports the date of XXXX deliquency date XX/XX/XXXX on XX/XX/XXXX making the running of reporting period to be XXXX XXXX as far a XXXX I only have my old report that reads for this account estimated month and year this item will be removed to be XX/XX/XXXX. again PROOF this debt buyer doesn't have the correct date of 1st deliquency date. XXXX is also reporting a payment history on my actual credit report.
to my understanding a debt buyer is not a original creditor let alone a tradeline but a entity whom buy debts from creditors for pennies on a dollar. I have asked for verifiable proof from this debt buyer and I have yet to receive any valid proof that I in fact agreed to pay this debt buyer anything and yet this debt buyer has refused to cease reporting until valid proof has been provided. I cant be past due on a account from a debt buyer that I never had a financial agreement contract with therefore a past due amount, a active payment history and a late 120 days is inaccurate information.
by porfolio recovery sending me a letter saying they deny any inaccuracies is plain out garbage. this is proof in black and white and I can guarantee that porfolio is also reporting different running of reporting period also, seeing that the date of last activity reporting on all 3 agencies are inconsistent.
to my understanding when the date of last activity has been updated to recent activity that actually manipulates the statues of limitations on this account which can cause this account to be ILLEGALLy re-aged and left on my reports for longer than expected. all 3 bureaus have updated this date to XXXX of XXXX that's not fair. there has not been any verbal or physical financial agreement in regards to me and this debt buyer, in fact the only communication has been via mail and a payment arrangement has NOT been discussed. this debt buyer is in clear violation under the Fair Debt Practice Act and by the consumer reporting agencies continuing to report a invalid, unvalidated, unverifibale, inconsistent and inaccurate account, I also hold them accountable for allowing such illegal practices to be accepted just because they get financially compensated by reporting inaccurate information. this is why consumers are getting educated on there consumer rights like myself because were tired of these debt collectors and even the consumer reporting agencies taking advantage of us. when will the consumer reporting agencies comply under United States codes, state regulations and laws that they are suppose to comply with?
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| 01/29/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Madam or Sir : SinceXX/XX/XXXX when I noticed some negative trade line ( s ) reported by this company to my credit files, I have been trying to obtain Validation based upon FDCPA and Californias Fair Debt Buying Practices Act via certified mail, but up to this date I have received NO requested documents. This entity keeps sending just unauthenticated one page statement without any bill of particulars which is clear violation of Fair Debt Buying Practices Act. Based upon FDBPA any Debt Buyer must comply with the following : The account balance when the creditor charged off the debt the amount of interest and fees added after the charge-off the date of the last payment you made or the default date the charge-off creditor 's name the account number of the charge-off debt the debtor 's name and address that was on file with the charge-off creditor the names of every entity that ever purchased the debt, and a copy of the contract with the original creditor.
FDBPA section1788.52 A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer possesses the following information : ( 1 ) That the debt buyer is the sole owner of the debt at issue or has authority to assert the rights of all owners of the debt.
( 2 ) The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees.
( 3 ) The date of default or the date of the last payment.
( 4 ) The name and an address of the charge-off creditor at the time of charge off, and the charge-off creditors account number associated with the debt. The charge-off creditors name and address shall be in sufficient form so as to reasonably identify the charge-off creditor.
( 5 ) The name and last known address of the debtor as they appeared in the charge-off creditors records prior to the sale of the debt. If the debt was sold prior toXX/XX/XXXX, the name and last known address of the debtor as they appeared in the debt owners records on XX/XX/XXXX, shall be sufficient.
( 6 ) The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form so as to reasonably identify each such purchaser.
( b ) A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. If the claim is based on debt for which no signed contract or agreement exists, the debt buyer shall have access to a copy of a document provided to the debtor while the account was active, demonstrating that the debt was incurred by the debtor. For a revolving credit account, the most recent monthly statement recording a purchase transaction, last payment, or balance transfer shall be deemed sufficient to satisfy this requirement.
As you are aware laws are very clear in validation of debt specially Californias FDBPA. This entity has violated many laws including but not limited to the FDCPA, FDBPA, FCRA, FCBA and many other Federal and State laws. I have filed complaints with the BBB and AG of state of California and in both instances they just provide the same unauthenticated copy of statement without any details, without any contract and without any of the requirements of the above laws. As you can see this entity is breaking many laws and getting away with it. Please assist me in this matter since there is NO justification for their illegal act. It is necessary to say that these companies are NOT collection agencies collecting for a third party, they are debt buyers and collecting for themselves and they must follow particular laws differently than regular collection agencies.
This company is very notorious and has no respect to laws or any authorities at all. They grudge with people and it is illegal and unethical.
In the event that you intend to file a class action lawsuit against them I will be more than glad to participate.
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| 01/07/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Around XXXX or XX/XX/XXXX, received a call from Portfolio Recovery Associates trying to collect a debt I was not familiar with, Ive never heard of them, dont have a contract with them etc. the man was rude, he was asking about different amounts I could pay, I told him Im on a fixed income, didnt know what he was talking about and he could talk to my lawyer, he said, oh you can afford a lawyer but not pay this debt, my lawyer is a close friend and would not charge me, I hung up because he was saying they would keep calling until I paid. I then received a letter from them in XXXX which showed I allegedly had an account with XXXX and Portfolio bought this account in XX/XX/XXXX, balance of {$2500.00}. They continuously called me, I disputed this, checked my credit reporting agencies, and Portfolio had already put this collection in my credit reports, causing my FICO score to go down, they sent me a letter on XX/XX/XXXX, which stated that they completed their investigation of my dispute and enclosed billing statements, just 2 from XX/XX/XXXX and XX/XX/XXXX, they said this proved the validity of the account. On the XXXX billing statement which could be made up, my identity has been stolen 3 times in the past, but it showed a payment made in XX/XX/XXXX, says Pay by Phone Payment-XXXX IL for {$130.00}, first of all any payment Ive made on my current credit cards says XXXX XXXX, never been in XXXX IL, dont know why it would say that and I always make the minimum due, I could never afford that amount, just because my name and address is on this doesnt mean anything to me since my identity was stolen, someone could have opened a card with my information, I did file police reports but dont have copies since its been so long, it was looked into and I didnt have to pay a thing, I reported this to all 3 credit reporting agencies and they put a fraud alert on these reports, Portfolio continued to call me continuously and send the same letter with the same XXXX billing statements, I got the same things on XX/XX/XXXX, I finally filed a complaint with the Attorney Generals office in Missouri, Portfolio even called my father-n-law, asking for me and stating they had a lawsuit against me, this was a few months after my mother-n-law passed away, Portfolio denied this but the number that my father-n-law wrote down for me to call, was one of their many numbers. Portfolio answered the Attorney General and said they were never rude, did not call my father-n-law and stated in view of my complaint, they had determined to refrain from any further collection calls, which they did abide by that, and they said they would refrain also from other communications with me in regard to the account, this letter was dated, XX/XX/XXXX, they have not abided by this, on XX/XX/XXXX, XX/XX/XXXX, received 2 on that date, XX/XX/XXXX, received 2 on that date, XX/XX/XXXX still received the very same letter and 2 XXXX statements which went against what they told the Attorney General they would do, they told the Attorney General they did send the letters but on the bottom it stated this was not an attempt to collect a debt, they ALL stated that and it was still a form of communication they said they would not do. On XX/XX/XXXX, XXXX sent me a letter stating the Attorney General contacted them, said I first had a XXXX Account, which I dont even know what that is, said that account was converted to XXXX, said the account was opened in XXXX, due to delinquency, the account was charged off as a bad debt in XX/XX/XXXX, XXXX did not attempt to collect on this debt and was sold to Portfolio Recovery in XX/XX/XXXX. XXXX did not report anything to the reporting agencies, Portfolio had stated in one of their letters they purchased this account in XXXX and sent me a letter to collect, I NEVER received anything from them then, never heard of them until recently, if I didnt respond to the letter in XXXX, why didnt they say anything then? The Attorney General is still looking into this but if Portfolio is saying they bought this account, I need to see a bill of sale, and especially an application or paperwork from XXXX? And XXXX? That shows I applied for these cards with my signature on them, anybody can send a letter, and Ive researched Portfolio Recovery and they have thousands of complaints against them and their practice, more people need to be aware of what they do and how they operate!
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| 04/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Summary of complaint : 1. Creditor passed information about debtor, debtor home address, last four of debtor 's social, court case number, amount owed, on Writ of Garnishment to a business the debtor has never worked for or who the debtor has never been associated with.
2. XX/XX/XXXX - Creditor received payment and notice to attempt to establish payment plan and ignored this in favor of garnishment. Debtor reached out to start a payment plan. Was experiencing a financial hardship due to lost wages from military XXXX connected XXXX. Following judgement debtor attempted to establish payment plan via email since website was not offering extended payment options. XX/XX/XXXX - Creditor accepted payment of {$75.00}, misrepresented total amount in future correspondence with court ( {$74.00} ), and did not acknowledge debtor attempt to establish payment plan. XX/XX/XXXX - Creditor instead attempted to garnish without contacting debtor as stated on the Writ of Garnishment on Wages ( see attached ).
3. Creditor never notified debtor that they sent the Writ of Garnishment to the wrong employer of debt. Per page two of Writ ( see attached ), third party agency answers " The defendant { debtor name } is not employed by this Employer and the Employer requests dismissal of the garnishment. '' ( Debtor is only aware and in possession of the documentation supporting this because the debtor was instead forwarded a copy of the Writ of Garnishment by the third party in accordance with MD. Rule 1-321 per the Writ ).
4. XX/XX/XXXX - Debtor established a payment plan with creditor for payment on the first of every month until XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX - Following the establishment of this agreement by both parties, the Creditor changed the agreed date of that payment twice ( in XXXX XXXX they moved the payment date to the seventh and then in XXXX XXXX they moved the payment date to the ninth of each month ) without the permission of the debtor.
***************************************************************************** BACKGROUND.
On XX/XX/XXXX, I received a communication from a lawyer representing a collection agency. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX, XXXX ( fax ), XXXX, XXXX. They provided the following information : XXXX : My first and last name Creditor to Whom the Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Our File Number : ( listed file # ) Account # : ************* ( last four of acct ) Account balance : ( amount listed ) They later filed a civil motion on behalf of this company. The judgement that they received substantiated the debt owed via their purchase from the original creditor. Debtor contacted to make payment offer via email and never received a reply. Debtor contacted agency via phone and established a payment plan, but it appears that the creditor also attempted to garnish the debtor 's wages. After pa
yment plan was accepted, debtor made payments and appropriated funding for the payments as required. However, the creditor started to change the dates of the payment plan, which the debtor never agreed. Without speculation it is not entirely known why. Debtor then received a letter in the mail from a third party. This third party appeared to be some sort of private security agency somewhere in the state where the debtor resides. The creditor had submitted for a Writ of Garnishment around when the payment plan was accepted, and they attempted to reach out to the Debtor 's employer to establish the garnishment. The debtor had no affiliation with this third party at all. Thi
s Writ included personal information regarding this debt, his address, full name and the state case number for the civil suit against him. This violates the Fair Debt Collection Practice 's Act, Section 805, ( b ). Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
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| 07/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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AMERICAS BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are several posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX. On each of these collection notices it specifically states that XXXX XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year.
On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
XXXX XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX. This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
COLLECTION AGENCY HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX XXXX XXXX XXXX XXXX XXXX IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX.
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
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| 09/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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By certified mail I sent a request to Portfolio Recovery Associates to validate debts that they have falsely listed on my credit report. The request was received on XX/XX/2019, but Portfolio Recovery Associates did not respond to the request. This is a violation of my rights of a consumer according to FCRA and these accounts should be removed from my credit reports. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This was my exact request to Portfolio Recovery Associates below.
I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor. Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Portfolio Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 11/26/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LEGAL PROCESS ON COLLECTIONS I XXXX XXXX, states on record with the Consumer Financial Protection Bureau that any transfer of debt ownership without proper true copy originality to prove ownership transfer, is hereby deemed a PHAMTOM DEBT. Any issuance of a collection against my personal history is therefore illegal where there is no standing in the jurisdictional courts of my domicile. The attached collection from Portfolio Recovery Associates is over 10 years old, as not even the original XXXX XXXX XXXX account is even posted on any of my credit bureaus. This collection is 100 % fraudulent and must be removed permanently Many illegal collection actions have been brought against collection agencies by the United States of America on behalf of the Federal Trade Commission. The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FDCPA, 15 U.S.C., 1692-1692p, which imposes duties upon debt collectors ; and the FCRA, 15, U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency or use information obtained from a consumer reporting agency.
Please be advised that I have a serious disagreement with information that remains on my personal credit profile, and most this dispute comes from the Fair Debt Collection Practices Act, otherwise known as Public Law 109-351 ( FDCPA 15 U.S.C. Sections 1692 ).
Pursuant to my rights under the Fair Debt Collection Practices Act, I request all the following items be forwarded to me within ten business days from your receipt of this dispute letter : I request a copy of any signed document of service pertaining to the above referenced debt service in which the obligation occurred.
I request notice of where any original signed contract or service agreement is located, of the person or persons responsible for the maintenance of any or all original documents, the contact phone numbers of said person ( s ), and the proper time of day during the week in which these individual ( s ) can be contacted.
Any false representations or deceptions pertaining to the validation process as mandated by the Fair Debt Collection Practices A
ct ( FDCPA ) and all federal and state court decisions applicable to the enforcement of the FDCPA will be reported to the Attorney Generals Office of my home state. Pursuant to Section 809 of the FDCPA, I request a copy of any 30-day notice of debt that must be sent to an alleged debt
or to validate a debt. Only notices sent by certified mail will be accepted for a Mini-Miranda notice of debt service or an attempt to collect a debt. Notification by regular mail delivery of an alleged debt can be successfully disputed in any state court as verification of service is mandatory.
I request copies of any license or bonding that may be applic
able to the above referenced ( creditor, servicer or collection agency ) to operate within the state I reside to procure debts of any nature.
The Federal legal definition of the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of a transaction are primarily for personal, family, or household purposes, whether such obligation has been reduced to judgment. However, all states have their own laws pertaining not only to what construes a debt and have very stringent guidelines as to how such debts were procured in original form, how they were assigned to either a servicer, another business or collection agency, or if such an assignment was handed to a properly licensed and/or bonded establishment under requirements of the General Law of said state.
I therefore dispute the posted collection and demand full true copy originality of ownership or assignment of collection responsibility. If validation is not connected, then the collection must be removed permanently. All FTC guidelines will be applied in my validation dispute.
DELETE ALL REFERENCES TO THIS AGENCY POSTED ON ANY PERTINENT CREDIT REPORT!!!
XXXX XXXX
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| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Please be advised that this is my SEVENTH WRITTEN REQUEST asking you to remove the unverified/inaccurate account listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your re-investigation, you stated in writing that you verified that these items are being reported correctly.Where are the documents that you used to verify these accounts? Where is the signed contract between myself and Portfolio Recovery Associates, showing that I have signed & agree to a repayment of debt from this creditor? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate. You must be able to provide a valid contractual agreement between that your company has a valid contractual with me for to repay Portfolio Recovery Associates & myself. You must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Re-investigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified and all information that is inaccurate. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. As a creditor you must provide all information to the Credit Bureau - including Credit Type- nothing listed on credit file. Credit Limit- nothing listed on credit file. Amount Past Due/Date of Last Payment/Monthly Payment & Payment Frequency- ALL NOT REPORTED ON CREDIT FILE!
How is it that your are reporting on my credit file negative information that is incomplete with the account details. Furthermore you are stating the account is in Collection/Charge off status as of XX/XX/XXXX ( without a payment account listed on my credit fie ). The Account was only updated as of XXXX XXXX- because of a previous dispute ( that the account is not mine NOR IS THE INFORMATION REPORTED ACCURATELY!!
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.
Name of Account : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX & XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter.
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| 07/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am disputing a debt reported on my creditt file by Portfolio Recovery Associates, a company that purports to be a debt collector. They report that they purchased a debt that they say belongs to me with the account number as : XXXX. I have tried to have the debt BOTH VERIFIED and VALIDATED, to no avail. I have sent multiple letters via U.S. Mail, asking for validation documents, as I do not believe I owe this debt. I have either received no response or a letter from Portfolio Recovery stating that they purchased a debt that they say belongs to me. On XX/XX/XXXX I sent a certified letter, with overnight shipping, requiring signature at delivery, requesting the following items. As of today, that letter still has not been delivered. On XX/XX/XXXX I again, sent another copy of the same letter overnight mail, NOT requiring signature. That letter also hasn't been delivered. When I inquired atthe United States Postal Service number ( XXXX ) XXXX, I was advised that the company Portfolio Recovery picks up it's own mail from the post office, rather than having it delivered to it's office address. Both of the letters I sent are STILL in the post office and have not been picked up. I feel I have no choice but to seek assistance here to have this account removed from my credit report immediately, pending verifification of the debt. I received 2 letters from Portfolio Recovery in the mail yesterday, both containing letters asking for a sum that does not match any current or former ormer accounts held by me. They included what appears to be a photocopy of a credit card bill from XX/XX/XXXX, which, again, does not match the amount they are seeking. I have no knowledge of this account and am disputing it's validity. They have reported the supposed debt on my credit report as late beggining XX/XX/XXXX. I have never entered into a contract of any kind with this company and therefore, I could not have been late. They also continue to report the debt as late on a monthly basis. I have reported them here once before. Their response was vague at best, and they stopped reaching out to me which is what they agreed to in their response to my complaint on your website. However, that only lasted for a few months, and they have now began toreach out to me again. They have IGNORED my requests for verification documents. A letter from them and what they report is an old credit card bill from XX/XX/XXXX are NOT sufficient for validation. The letters that I have sent to them multiple times this year are requesing they promptly produce and send to me the following : 1.The name and address of the original creditor, the account number and the amount allegedly owed.
2.The original contract of the debt, with my signature, from the original creditor..
3.ALL statements and purchases on this debt, for the life of the original credit card account 4.COMPLETE payment history made on the original debt 5. Documentation of interest or fees added to the original debt since the last statement and the legal authorization for that interest.
6. Proof, including chain of evidence, that your agency is legally entitled to collect on this debt 7. Evidence that I have ever entered into a legal contract/debt with your agency. I see that on my credit report that you have listed me as missing payments beginning in XX/XX/XXXX. However, I have never entered into a contract with your agency.
8. The tax form 1099 showing a loss and write off from the original creditor 9. Proof that this debt is within the statute of limitations and how that was determined.
10. Proof of your agencys licensure to collect debts within the state of New York. If so, please provide me with the date of the license, the name on the license, license number, the name address and phone number of the agency issuing the license. If you are contacting me from outside New York State, please provide me with the aforementioned licensing information for your state as well.
I ask that they remove this item from my credit report and cease all collection activitity until such time as they provide me with the aforementioned verification documents. If they connot produce said documents, I want the case closed and for them to be banned from any collection activities againt me in the future, including sellling this supposed " debt '' to another agency for collection.
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| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is my third complaint of Portfolio Recovery Associates , LLC. I again today received three more letters in the mail from them, claiming falsehoods.
Falsehood # 1 : First, they sent a letter for the account ending in XXXX showing a balance due of {$4100.00} ( received today, XX/XX/2022 ) but they know this account is paid in full. I paid it over the phone, on a recorded phone call, to a PRA manager on XX/XX/2022. On XX/XX/2022 they emailed me a letter confirming " Your current balance on this account is {$0.00}. Please retain this letter as proof your account has been settled. '' Falsehood # 2 : They sent a letter ( received today, XX/XX/2022 ) regarding the account ending in XXXX and showing a balance due of {$1200.00}, stating " we requested you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the " alleged '' dispute. To date, we have not received this information and can not complete the investigation. '' As a reminder, my proof was emailed to them on XX/XX/2022 at XXXX XXXX XXXX This proof was a screenshot of the settlement offered on the account in the amount of {$440.00}. As I'm sure CFPB and other consumer protection agencies are aware, this is a bait and switch tactic and when you call to inquire about the account the settlement amount is suddenly double or there is no settlement at all. As an example of the games they are playing with the account after each time I've corresponded with them, these are some of the ever changing amounts that have been on the account. ( I have screenshots of all of them. ) XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$560.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$620.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1200.00} The initial amount is a bait and when you call, chat or email them to discuss it, they are " not permitted '' to discuss the account, or the chat representative can only offer a settlement double of what I am literally looking at on the screen for a lesser settlement amount ( screenshots of this were also sent to PRA ) or tell me that I have to " mail my concerns '' to their Virginia address. Until I filed this complaint, I either emailed, phoned, or chatted with PRA every single day since XX/XX/XXXX, only to be met with resistance, rudeness, the runaround, or illogical figures.
Falsehood # 3 The third letter received today ( XX/XX/2022 ) says the same as in Falsehood # 2 above " they requested information, I didn't provide it, etc. '' Of course, they know this is not true. ( It's very strange to even write this as a defense given that I have provided them with emails, screenshots, recorded phone calls and mailed letters that can obviously and easily be presented ) but they have the letter from XXXX XXXX for the account ending in XXXX with a settlement amount of {$410.00} on it. When I called about this, the amount had " expired '' and was over {$800.00}. XXXX XXXX said they couldn't do anything about it and had to call PRA, and PRA said they couldn't do anything about it because it's with their " legal '' firm.
This is costing me time out of my workday and is causing a tremendous amount of undo stress. I'm not going to continue to participate in the bait-and-switch settlement tactics nor their refusal to communicate with me in a professional and ethical manner.
These template statement letters do nothing to help the situation. Also, the accounts are still removed from online access. To send multiple letters stating I haven't provided them with information is ludicrous, as they have literally been inundated with non-stop contact from me and they have in writing my statement that I AM TRYING TO PAY THESE ACCOUNTS and they also have the recorded phone conversation with their representative.
If they would like to honor their agreement that is still only days old and add the accounts so I can pay those amounts, then I will pay them and this whole thing can be resolved.
If they don't want to pay or communicate me, then they are showing no good faith in any valid attempt to resolve the issue and are continuing to perpetuate their bad name. I have a plethora of evidence to show all of this is true, so hope that this is the final step of having to deal with this and they can do the right thing.
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| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY PORTFOLIO RECOVERY HAS STATED I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT WITH PORTFOLIO RECOVERY. THEY PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. PORTFOLIO RECOVERY HAS CREATED DUPLICATED ACCOUNT, PURSUANT TO 15 USC 3002 I AM NATURAL PERSON.
According to the Fair Debt Collection Practice Act, codified as 15 USC 1692, you, as a " Debt Collector '' are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail, or email in a fraudulent account. Your failure to verify this account is trespass on right to privacy and to contract. Under FDCPA, unverified accounts are considered a " Fictitious Obligation '' and any demand for payment of such is an attempt to extort and administer property without right.
Definition and Points of Authority ( pursuant to Federal and/or State rules of evidence, rules of procedure and FDCPA/15 USC 1692 ) Federal Rules of Evidence 1001 ( a ) A " writing '' consists of letters, words, numbers, or their equivalent set down in any form.
( b ) A " recording '' consists of letter, words, numbers, or their equivalent recorded in any manner ( d ) An " original '' of a writing or recording means the writing or recording itself or any counterpart intended to have the same effect by the person who executed or issued it. For electronically stored information, " original '' means any printout -- or other output readable by sight if it accurately reflects the information. An " original '' of a photograph includes the negative or a print from it.
Rule 1002. Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statue provides otherwise.
18 USC 514 ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise make, or attempts or causes the same, within the United States ; 28 USC 1746- Unsworn declarations under penalty of perjury Whenever, under any law of the Unite States or under any rule, regulation, order, or requirement made pursuit to law, any matter is required or permitted to be supported, evidence, established, or proved by the sworn declaration, verfication, certificate, statement, oath, or affidavit, in writing of the. person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verfication, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) if executed without the United States of America : " I declare ( or certify, verify, or state ) under penalty of perjury under the law of the United States of America that the foregoing is true and correct. Executed on ( date ).
( Signature ) ( 2 ) If execute within the United States, its territories, possessions, or commonwealths : " I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executedon ( date ) ( Signature ) Stating from XXXX CFR XXXX ( f ) it defines contract as any oral or written agreement, formal or informal, between creditor and a seller. Therefore, I never signed or orally said that I agreed to pay this alleged debt or even gave them permission to sell my information to a third party seller.
16 CFR 433.2 ( a ) invokes my right as the debtor to assert all claims and defenses.
15 USC 1692c ( a ) Communication with the consumer generally. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692e ( 2 ) The false representation of -- ( a ) the character, amount, or legal status of any debt; or ( b ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
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| 07/28/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is to rebut Portfolio Recoverys ( PRA ) response to my initial complaint XXXX and provide additional information gathered since I submitted it. Again I want to state that since the very first time PRA contact me on the phone Ive disputed the amount they says I owe. In my original complaint I explained the continued frustration Im having in obtaining the original terms and agreement ( T & A ) from PRA. Although I was perfectly clear in my request for the T & A with XXXX XXXX, PRA repeatedly responded by sending the 3 statements instead of providing me what I asked for and entitled too. This questionable validation practice was justified by XXXX from PRA dispute department in a recorded phone call on XX/XX/XXXX. When asked how responding with 3 statements is the same as providing original T & A requested, XXXX stated Its not, and the reason its not is that when a dispute comes in we are required to resolve it either in the customers favor or in our favor and we were able to resolve it in our favor. He followed it up with we sent you what the required law says we have to. This alone supports my allegation that the reps for PRA provided inaccurate and/or inconsistent information regarding my account documentation. And the inaccurate information provided by PRA reps didnt stop there. In a recorded phone call on XX/XX/XXXX I talked to XXXX XXXX in PRAs customers service department and wanted to know why I couldnt get the T & A Ive repeatedly requested but she put me on hold without answering and a Senior Account Executive, I cant make out his name, picked up. Once again I had to explain my reasons for requesting the T & A and he tried to explain what hes seen in other XXXX XXXX T & A then offered to dispute it again. I responded, how would the result be different and asked pointblank, do you just not have it? He responded No Im looking right at it, and to confirm that I heard him correctly, I asked if they were the original terms and agreement, he responded using this terminology it doesnt say its an original level document, this seemed a strange. At that point he said he had to switch me over to the dispute department. XXXX in the dispute department picked up and was hostile and rude right from the being, stating PRA wasnt required to provide the T & A but that he would send it as a courtesy. I received a packet from PRA with a cover letter dated XX/XX/XXXX-17 which Ill assume is the on or about XX/XX/XXXX letter that contained the validation mentioned in XXXX response to my first CFPB complaint and was the same documents labeled XXXX XXXX XXXX XXXX and uploaded with their response. Over this past weekend I reviewed the documents sent and realized that PRA still didnt provide me with the complete T & A. there are two parts to the credit card agreement, missing is the first of the called XXXX XXXX pricing information. Here is some of the stuff included in it, the different APRs, transaction fees, penalty fees, how the balance is calculated, how the variable rate is calculated, the daily periodic rate used, and how the interest charge in applied. So I call PRA and ask for the complete document and par for the course they started off by insisting they provided everything but eventually transferred me to the dispute department which was closed. I called the dispute department on XX/XX/XXXX and recorded my phone call with XXXX. I explained how many times I requested the T & A, what I received, and what was missing. She cwas aware of the document, confirmed she had it, and that she was sending it out. I questioned why it wasnt sent before and she replied the short and long of it is that we have company policy on how disputes are responded to. At one point XXXX XXXX said yes they wanted to send the T & A then they said they did not, that is why it wasnt sent. I asked why XXXX XXXX wouldnt want the T & A or part of the T & A sent, she said she wasnt able to answer. She said she was sending the missing stuff to me, I questioned why she would send it against XXXX XXXX wishes, she was making an executive decision and just sending me what I wanted. Im not sure how to categorize any of the actions taken by the PRA reps, maybe the CFPB. Should anyone involved want a copy of the phone calls please reach out to me and Ill provide them.
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| 11/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is my third complaint with the CFPB against Portfolio Recovery. I obtained a copy of my credit report on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A collection account was listed by Portfolio RC stating I owe {$10000.00} for an account. Immediately, I sent debt verification letters certified mail on XX/XX/XXXX and XX/XX/XXXX. Both letters were delivered and signed for. Never was documentation sent to me or letters from Portfolio RC acknowledging my disputes. On XX/XX/XXXX, I obtained another copy of my credit report and found that Portfolio RC reported that a dispute was resolved ; customer disagrees. The dispute was not acknowledged by Portfolio RC, documentation verifying the debt belongs to me was never sent to me and dispute being closed was never sent to me. 1st CFPB complaint response by Portfolio RC stated that they had documentation verifying debt belonging to me. However, documents provided to CFPB were only 2 statements and nothing containing my signature, which is required by the FCRA ( attached ). I am requesting that Portfolio RC provide SIGNED documents ( CONTRACT ) from XXXX. Finally, please provide license for the State of W. Virginia that shows you are licensed to collect from me in this state. If none are available, then account is to be closed and removed from XXXX XXXX Credit Report. Attached is the " proof '' Portfolio RC provided to the CFPB. Also, below is Portfolio Recovery 's response to my second complaint in which they state they have all this proof and licenses, but will not provide it. Only will provide copies of statements.
2nd response from PRA on XXXX : Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent consumer debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$10000.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. PRA holds all required licenses and certificates of authority. Because we purchased the account and contract XXXX XXXX had with XXXX to pay the balance due, no signature or other contract between XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated a dispute regarding the account. We ceased collection communications, informed consumer reporting agencies that the account had been disputed, and in response to the dispute attempted to send a letter with validating documents from the original account. Unfortunately, the XXXX, NY address you provided to us, and to which we attempted to send our letter, was invalid. The documentation we attempted to provide was attached to our response to your previous complaint. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time.
Portfolio Recovery are not licensed NYS and W. Virginia ( State and Local Disclosures from PRA attached ).
PRA is writing responses to the CFPB, BUT NOT providing the evidence I am specifically requesting 3 times with the CFPB and 1 time via certified mail directly with PRA in XXXX, XXXX. Letter was signed for by PRA representative. This is because they do not have this information from when they " bought '' the debt and do not have the required licenses in New York State or W. Virginia.
Supporting documents attached.
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| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I first wrote Portfolio Recovery Associates, LLC, requesting this account they claim to be mine be fully validated on XX/XX/2019 for a second time, after I received my free annual credit report. My reason for requesting those reports in the first place was to establish whether I could be qualified for a line of credit to have a much needed medical procedure done. Portfolio responded to my validation request with a letter dated XX/XX/2019, and informed me that their proof of validation was two attached papers. What was included was a letter from an XXXX XXXX informing someone with a name similar to mine but different address that a debt had been sold to Portfolio and a bill for some type of line of credit from the same company addressed to another person with a similar name ( it is different than the first letter ) but a completely different address than the first letter and myself.
It is my understanding that this is not information to validate this account actually belongs to me and not someone with the same name ; therefore, I sent a response on XX/XX/2019, advising Portfolio Recovery Associates, LLC, that they had failed to properly validate that this account indeed belonged to me. I gave them specific requirements needed to validate this debt and that they lawfully could collect on this debt, per my rights. Also, to make their investigation easier, I included a form to fill out with the exact specifications that are needed in order to validate this debt is in fact accurate, belongs to me, and that they have the legal bonding and lawful requirements to collect on this debt. In writing, I allotted them XXXX days to obtain complete details for the form to validate the debt.
They sent a response, dated XX/XX/2019, advising they were attaching more documents that would provide validity of the account. It was the exact same two pages they sent prior with their response dated XX/XX/2019. My form was not in there and they had sent me the EXACT same generic response they had done before. At the exact same time, they sent an additional response that was dated XX/XX/2019. This once gave a little bit information, but it was not my form, their bonding information, license, or anything I requested. It simply stated that at the time of sale 3 years ago, they were given an electronic file to include a name, last 4 digits of a social security number, and the date an account was opened. Again, they included the EXACT same letter that XXXX XXXX sent to someone with a similar name but different address than myself. I had nothing showing where I actually signed up for this account, nothing proving they could collect on this debt, nothing telling me the last time a payment was made, where all the charges for an over {$600.00} debt was coming from.
I assumed that the responses received in XXXX ( dated in XXXX though ) had to be the results of some type of human error on disregarding the letter and just hitting a button for generic responses. This prompted me to give them another chance to validate this debt. I responded on XX/XX/2019, advising this was my 4th attempt at trying to have Portfolio Recovery Associates validate this account. It again advised them of what specifically I expected to receive and by law had the rights to request, and yet another form to fill out in order to make validation easy for whichever one of their representatives handled my letter. This time they were advised that I know they had already been allotted more time than the law mandates and I expected a response within 15 days of them receiving my FOURTH request or they would need to stop pursuing me for this debt immediately.
Today, I finally received a response back from Portfolio Recovery and it is them advising me that they had not received any additional information pertaining to the account. They blatantly disregarded and ignored multiple attempts to legally validate this account actually belonged to me. I am being restricted from getting a much needed XXXX because this is reporting on my credit report and causing problems for me to be approved for the additional funding needed. I've done a lot of research with this since there has been months of this going on back and forth, so I'm able to know when my rights have been violated.
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| 03/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RE : XXXX Bank account # XXXX. * I am in receipt of a DEBT STATEMENT, dated XX/XX/2022, and am responding accordingly. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. This company utilized the United States Postal Service in regards to the " payment '' of an alleged debt which is a violation of 15 USC 1692 a ), ( d ), ( e ) This communication is to further inform PORTFOLIO RECOVERY ASSOCIATES, LLC/XXXX that I deem you a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C.1692a ( 2 ), ( 5 ) This CFPB COMPLAINT shall serve as my formal notification that I am in good faith requesting DEBT VALIDATION, not account verification NOR copies of the DEBT STATEMENT. I have noted the following deficiencies in the DEBT STATEMENT. 1. Failure to provide any documentation in regards to but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt. 1a ) A Financial instrument in the form of a remittance in conjunction with a bank identification number ( XXXX ) has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent bank account has been accruing interest and benefiting another [ PORTFOLIO RECOVEY ASSOCIATES, LLC ] AND not the true beneficiary. Furthermore this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. XXXX. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that PORTFOLIO RECOVERY ASSOCIATES , LLC. provide me with the following : ( a. ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b. ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt contained within the initial communication ; ( c. ) A full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other used to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( d. ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( f. ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. ( g. ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. Be further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I would also like to request, in writing, since I can not take your telephone calls into court, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.
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| 11/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
Older American |
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XXXX has filed a lawsuit in federal court in Arkansas against its former partner, the credit-card issuer XXXX XXXX, alleging breach of contract of their agreement for credit cards issued to XXXX shoppers.. The retailer said XXXX broke an implied promise that it wouldnt harm XXXX ability to receive fruits of the contract XXXX drops lawsuit against XXXX. XXXX filed a lawsuit against its longtime credit-card issuer XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Lawsuit Antitrust Violation. Accuses XXXX XXXX has been accused of violating the Telephone Consumer Protection Act and violating the Fair Debt Collection Practices Act ( FDCPA ). Thousands of people nationwide who received artificial or XXXX XXXX XXXX breached terms of its contract. Law Suit filed XXXX XXXX XXXX Master Card against XXXX XXXX. I am requesting an Investigation reporting Hearings forgery Documents filed for Court Proceedings, held in XXXX County is a part of the 7 th Judicial Circuit. XXXX XXXX XXXX - XXXX,XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX - XXXX. Filed Fraud claim The files Internet access to the Official images of Record documents are being hacked by someone. I have noticed previously filed electronic record means data, record or data or have been altered Original Documents, or records instruments presented for recording 7 th Judicial Circuit orders images of detailed listing of all existing documents are changed altogether. The files ink appears to be fading before it disappeared altogether. The files in an office recorded documents. Displaying Open to the public, under the supervision of the Clerk, for the purpose of inspection and copying. The Judge overseeing this case XXXX XXXX XXXX online in XXXX County Circuit Courts, the Circuit Court maintains the records. Court date on XX/XX/2020, six days later Orders appearing for over {$8.00}, XXXX. XXXX. Portfolio Recovery Associate LLC Claiming, they own XXXX XXXX XXXX Master Card /XXXX XXXX card. Altered forgery electronic records, fraud document filed Fraud documents is now appearing on records as document with a copy fraugery name on the records. Litigation XXXX XXXX XXXX XXXX v XXXX XXXX has been accused of violating the Telephone Consumer Protection Act and Fair Debt Collection by XXXX I am requesting an Investigation reporting that the of hearings deeds, mortgage, or other documents are recorded with your office XXXX county circuit court complaints of fraud. Using the Name XXXX XXXX XXXX name forgery Documents for Court Proceedings, held XXXX county Seventh Circuit Court the cases. XXXX County is a part of the 7 th Judicial Circuit. The files Internet access to the Official images of Record documents are being hacked by someone. I have noticed previously filed electronic record means data, record or data or have been altered Original Documents, or records instruments presented for recording 7 th Judicial Circuit orders images of detailed listing of all existing documents are changed altogether. The files ink appears to be fading before it disappeared altogether. The files in an office recorded documents. Displaying Open to the public, under the supervision of the Clerk, for the purpose of inspection and copying. The Judge overseeing this case XXXX XXXX XXXX online in XXXX County Circuit Courts, the Circuit Court maintains the records. Court date on XX/XX/2020, six days later Orders appearing for over {$830000.00}. Plus, court. Fraud Claim representing Portfolio Recovery Associate LLC and XXXX XXXXXXXX , XXXX XXXX previously fraud documents are being altered. Affidavits filings are changed or are disappearing from records. Altered forgery electronic records, in any way its easily discoverable objections to using a copy of original documents, Original documents. XXXX Bank has been accused of violating the Telephone Consumer Protection Act and violating the Fair Debt Collection Practices Act ( FDCPA ). Thousands of people nationwide who received artificial or automatic telephone dialing systems were involved in the XXXX XXXX TCPA Class Action Lawsuit and XXXX XXXX settlement. Since the settlement more XXXX XXXXXXXX lawsuits have been filed and attorneys are looking into recent XXXX XXXX TCPA violations.
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| 12/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to the Califormia Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. That debt dispute would include but not be limited to the contract I ( XXXX XXXX ) allegedly signed to capital one as the bearer of the debt. The original statement from the creditor and explanation of transactions and if their are interest fees the reasoning they were charged. The official documents Portfolio Recovery Associates has that state they are the legal owners of the debt. Providing their license # to collect debt in the state of California and their California branch information. In addition license # and investigation branch in their stationed state of Virginia. Along with all the details of the debt including how much they paid to purchase it.
On XX/XX/2022 Portfolio Recovery Associates LLC sent me a letter and I ( XXXX XXXX ) received it XX/XX/XXXX of 2022. In it was the information you gathered from your investigation and documents that validated the debt you were collecting on. After careful review of the documents you sent me I noticed you failed to provide key points of Information required in California law for debt collection notices and validation. The information Portfolio Recovery Associates LLC failed to provide under California debt collection law and Rosenthal Act. Specifically include the following : *CA license # *CA branch information * the date I allegedly defaulted with original creditor *An official document such as the debt terms of conditions with my signature and or the contract/ transaction receipt from the original creditor stating you ( Portfolio Recovery Associates LLC ) are the owners of the debt ( Not just a letter paragraph typed up with no legal letterhead or signature from either of the respective parties ) *How much was paid for the debt and date and time that transfer transaction took place *Names and address of all purchasers the debt has passed through since chargeoff *failed to provide transactions from the alleged credit account * failed to provide receipt and reasoning for every interest charge since last payment on debt *Not sending the mandatory disclosures clauses required under CA law 1788.52 ( 7.D.1 ) { " A debt buyer shall include with its first written communication with the debtor in no smaller than 12-point type, a separate prominent notice that provides : You may request records showing the following : ( 1 ) that [ insert name of debt buyer ] has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date of default or the date of the last payment ; ( 4 ) the name of the charge-off creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt, as appropriate ; and ( 6 ) the names of all persons or entities that have purchased the debt. You may also request from us a copy of the contract or other document evidencing your agreement to the debt. A request for these records may be addressed to : [ insert debt buyers active mailing address and email address, if applicable ]. } *CA Rosenthal Act clause Portfolio Recovery Associates LLC as stipulated under California legislation will have a 15 day window from the date this letter is received to fix and provide all missing information I have addressed and listed. If by that deadline I do not receive a validation packet with ALL INFORMATION outlined and proof that I received it in my possession. Portfolio Recovery Associates LLC will need to cease attempt to collect the debt and remove it from all three credit reports as is my right under California law. Should Portfolio Recovery Associates LLC neglect to remove the collection from my credit reports in the scenario they are supposed to. I will serve them in CA Superior Court where I will request the collection be removed from my reports, seek {$1000.00} statutory charge for violation of my CA consumer rights, damages, payment of legal fees, and attorney fees.
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| 05/03/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is what I have asked for : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX. Be advised that this is a second notice not a refusal to pay, but 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.
Your letter claimed that my dispute was Frivolous or Irrelevant but yet you failed to validate any information. An electronic file hardly validates anything, and then once again you send me a copy of a bill for the other account. Why dont you stop the games and admit you do not have a right to collect these alleged debts and that your company did not follow proper procedures to secure the necessary information to grant you the right to collect these alleged debts.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : ( You need to respond to all 9 Interrogatories ) 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe 3. Provide me with copies of any papers that show I agreed to pay what you say I owe 4. Identify the original creditor 5. Prove the Statute of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with your license numbers and Registered Agent 8. Provide proof you as the debt collector have a bona fide affidavit of assignment for entering into the purported contract between original creditor and debtor 9. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt ). XXXX v XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome ( this does not include a fake letterhead like the one you sent before ) At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX , XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your record ; any information obtained shall be used for that purpose.
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| 08/24/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates has failed to honor my demand to remove reporting information due to violating my privacy rights according the FTC. They have furnished information about me to non affiliated consumer reporting agencies WITHOUT MY CONSENT. Portfolio Recovery Associates chooses to bully and harass me after I sent a cease to desist all communications by continuing to report information without my permission and sending continuous mail about this alleged debt to try to coerce me to pay. See attached proof from the United States Postal Service from Portfolio Recovery Associates and account reported. These are violations and their actions is based on assumptions, not facts. They do not use their business name on envelopes, they disguise it as XXXX XXXX. Once you open the envelope, it states Portfolio Recovery Associates on the letter. In addition, 15 U.S. Code 1692g - Validation of debts, sending me a statement or an account transfer does not validate this alleged debt. Portfolio Recovery Associates refuses to address the violations to remove this account reported on me to these non affiliated consumer reporting agencies per 15 U.S. Code 1692d - Harassment or abuse. Portfolio Recovery Associates has received a written demand from me opting out to sharing my information via CFPB, which is documented and it has been intentionally ignored. Yet, they are questioning where the abuse is. Portfolio Recovery Associates believes that they are above federal laws and their actions show they will stand by their violations. Portfolio Recovery Associates confirms that they aware of monetary damages that will be invoiced per each violation committed in our previous communications. Portfolio Recovery Associates must provide the following documentation according to the federal laws they are violating : 1. ) The written consent that justifies their continuation of aggravated identity theft to share any information about me according to 15 U.S. Code 6801 - Protection of nonpublic personal information. 2. ) A contract with a wet signature that shows that I agreed to sharing my information. 3. ) A contract with both parties ( consumer and Portfolio Recovery Associates ) that gave me the opt out clause per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 4. ) Provide documentation from the FTC confirming that you are allowed to report information about me to non affiliated third party consumer reporting companies without my consent. 5. ) I demand per UCC 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, providing an audit trail. Show the creditor listed generated the money and loaned it out. I did not give Portfolio Recovery Associates permission per 15 U.S. Code 1693l - Waiver of rights. The attorney general is receiving a copy of all communications in regards to your violations of my rights to privacy. Portfolio Recovery Associates does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited. Portfolio Recovery Associates was never allowed without my permission to share data. Portfolio Recovery Associates shared my information to non affiliated third party consumer agencies, also known as financial institutions and private, for-profit companies, without my permission. Here are violations ( {$1000.00} each in damages ) acted by Portfolio Recovery Associates : 15 USC 1693I -Waiver of rights, 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692d ( 3 ) 15 U.S. Code 1692d - Harassment or abuse,18 U.S. Code 894 - Collection of extensions of credit by extortionate means, 15 U.S. Code 1692g - Validation of debts and 15 U.S. Code 1692d ( 4 ) - 15 U.S. Code 1692d - Harassment or abuse. Send all requested documentation in one mailing within14 days per UCC 9-210. See attached for requirements. This is the only communication to be received from Portfolio Recovery Associates per my request. I will be contacting the attorney general with the paper trail of our communications regarding these violations.
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| 01/17/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Date : XXXX XXXX, 2021 PORTFOLIO RECOVERY ASSOCIATES RECOVERY, LLC Portfolio Recovery Associates, Inc.
Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com XXXX CC : FEDERAL TRADE COMMISSION Federal Trade Commission XXXX XXXX XXXX , XXXX XXXX , DC XXXX Telephone : ( XXXX ) XXXX ReportFraud.ftc.gov antitrust@ftc.gov RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES RECOVERY , LLC, Portfolio Recovery Associates , Inc., Portfolio Recovery Associates, LLC ( PRA LLC ) in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
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| 07/15/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 10/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates list four accounts on my credit bureaus with balances of {$4500.00}, {$630.00}, {$620.00} respectively. I am not certain if these collections were purchased by Portfolio Recovery Associates, or just assigned as a collection agency. At this time, since these collections have been posterd without proper validation to the consumer, these accounts need to be deleted immediately.
2 ) The legal timeline for any of these collections has passed. Accordingly, all connections are hereby void.
3 ) All files held by Portfolio Recovery Associates must be purged, and any reference to such collections must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively.
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
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| 01/17/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Date : XXXX XXXX, 2021 PORTFOLIO RECOVERY ASSOCIATES RECOVERY, LLC Portfolio Recovery Associates, Inc.
Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com XXXX CC : FEDERAL TRADE COMMISSION Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX Telephone : ( XXXX ) XXXX ReportFraud.ftc.gov RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES RECOVERY , LLC, Portfolio Recovery Associates , Inc., Portfolio Recovery Associates, LLC ( PRA LLC ) in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
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| 05/04/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX, I found out there was another fraudulent account on my Credit Reports. The Acct was from XXXX XXXX XXXX for a credit card. The Collection Agency Portfolio Recovery Association, LLC, ( PRA, LLC ) that is reporting the account has had it since XX/XX/XXXX. I contacted PRA, LLC to inform them that the debt was the result of Identity Theft and sent a letter to them date XXXX of XXXX to obtain ALL statements and validate the name and address ( s ) used on the account. They sent me back tow ( 2 ) statements form XXXX and had no substance as to what and how the specifics were tabulated. I requested again for the FULL file and once again PRA, LLC sent back the same statements. After calling, the representative gave me some information over the phone as to the debt and transferred me to the Fraud Department. At that time, I was to be sent an Identity Theft Affidavit and the per instruction, I completed the form and faxed it back along with additional documentation. After following up with a phone call about receipt of my Affidavit, they informed me they did not receive the fax and that it was in 'another department '. Then the Fraud Rep told me to email the information to an email address that would ensure their receipt. I emailed the documentation and then on XX/XX/2020, PRA LLC sent another Affidavit for me to complete. On XX/XX/XXXX, PRA, LLC sent a response informing me that they had validated the debt and that they would not be doing any other investigation.
I called again and because the Fraud Department was closed, He could not do anything. However at that time I expalined that I had requested a copy of the entire file provided from XXXX and he indicated PRA, LLC had thirteen ( 13 ) statements in the file. I asked why I was not provided that information, including dates of correspondences, the thirteen ( 13 ) statements and any other pertinent information that was previously requested. At that point he went over the statements from XX/XX/XXXX to XX/XX/XXXX in which there were several returned payments on the original card and how a {$300.00} limit card had ended up with a balance of {$1000.00} debt.
The problem with this is that I never knew about this debt/collection and that the bogus PO Box address that the US Post Office verified that was flagged for fraud was of record. PRA, LLC indicated they sent a Settlement Letter to both the bogus PO Box and another fraudulent PO Box at a mail forwarding facility also flagged for fraud by both the Credit Bureaus and the US Postal Service. Secondly, the original debt with XXXX is under my true legal name, but the file changed to another name but with my SSN and DOB. I pointed that out as to the inaccuracy because not only has my credit file been compromised in the past, but also crossed with the wrong suffix.
PRA, LLC has not performed due diligence and claims that they have followed the letter of the law with regards to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) ; however, they have NEVER provided me with the COMPLETE file of the original debt for me to show the inaccuracies and in their last letter state my claim is frivolous and refuse to perform a proper investigation of the debt and the information I have provided. As of this writing, I am awaiting for PRA, LLC follow-up on the status of my dispute with the request of my inquiry for an hour. The process to address PRA, LLC to acquire information about the debt/collection is misleading. The phone number for the Disputes Department is not the the indicated department as stated in their correspondences and that there are two ( 2 ) different addresses for correspondence, yet they direct the consumer to send all correspondence to a fax machine number that the necessary Department has no access to. At each step to resolve this matter, I have been misled and while I provide the information requested, PRA, LLC is misapplying the USC statute to usurp the rights of the consumer to fraudulently report a collection account that has obvious inaccurate information, yet I am being punished with their behaviors to place barriers to force a collection and continued wrongful reporting.
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| 03/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection Portfolio Recovery Associates has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.
I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with XXXX XXXX XXXX or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.
Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) Portfolio recovery associates is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect.
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) Terrorism offense.
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
The company has violated the following laws 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
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| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been engaged in a series of complaints to the CFPB regarding Portfolio Recovery Associates and their continued, willing refusal to stop furnishing derogatory data to the credit bureaus without verifiable proof, despite the hearsay documentation they continue to submit as having established validity and their continued attempts and false or misleading representations.
This company, Portfolio Recovery Associates, as has been well-documented, particularly in the XXXX consent order from the CFPB, has a long history of flaunting the law and engaging in deceptive behavior. Ive seen this directly since I started disputing with them several months back and I had to turn to the CFPB as they kept sending the same two or three hearsay, unverified documents and passing them as verifiable proof to continue to furnish their derogatory data on my credit report, which by the way they have never shown evidence of having followed 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) in notifying me in the first place that they were furnishing this derogatory data, a fact I did not know until I initially decided to view my credit reports back in XXXX.
As I have said, I have had to complain to the CFPB multiple times and other than Portfolio actively ceasing collections, XXXX-XXXX from XX/XX/XXXX, where Portfolio stayed they were ceasing collection activity, XXXX-XXXX from XX/XX/XXXX, where no further action was deemed necessary And XXXX-XXXX from XX/XX/XXXX, which Portfolio was allowed to deem as a duplicate complaint and this was dismissed with no action, wrongly, as it was not a duplicate and involved different information such the removal of one of Portfolios alleged accounts from one of my credit reports and then its replacement several days later. This was an extremely wrong dismissal. First, Portfolio should not be allowed to dismiss complaints as duplicates and second, that they even did so is a violation of the Fair Debt Collection Practices Act and the UDAAP as part of the Dodd-Frank bill. To hopefully prevent a recurrence of those tactics by PRA, I am forwarding this to other government entities to ensure this complaint is not dismissed. If these consumer protect laws dont work to protect the consumer, what purpose do they serve? Especially when dealing with a company like Portfolio Recovery, and their business practices, that are detailed in the CFPBs own XXXX consent order against them, XXXX, and enough case law to fill multiple binders.
Aside from the already sent complaints, Portfolio removed one of the alleged accounts they created from my XXXX file around XX/XX/XXXX and was reinserted without notice to me approximately a little more than a week after and was listed as closed and is now listed again as open, again without notice to me. Both of these Portfolio accounts are listed as having been updated as of XX/XX/XXXX. Also, Portfolio continues to mail me letters telling me that I have to provide information proving or disproving the accounts THEY have created in my name and continue to furnish derogatory information on, and if such information is not provided THEY will not respect any dispute. This is unconscionable in the least and goes beyond the pale in violating the FDCPA and FCRA. They have refused to provide evidence of a contract, they have refused to produce a chain of assignment or prove account-level detail regarding either alleged account. They have not proven where I even gave them permission to open either of these alleged accounts using my name and personal information. This alone violates 15 USC 6801 regarding the Protection of Nonpublic Personal Information.
I really hope some sort of enforcement action is taken regarding this company. Their hearsay documentation validated nothing and they knew their case was weak regarding these alleged accounts that they dropped collection activities. The XXXX District Court case, XXXX v XXXX XXXX has stated that reporting to credit bureaus IS collection activity. Therefore the reporting should cease. I have never given them permission to access my personal information and be allowed to access my files and they have failed to prove otherwise.
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| 03/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX has attempted to collect a debt that doesn't belong to me. One of the partners XXXX XXXX has continued to lie, make false statements, and representations. And lying to a 3rd party is a violation of the Illinois Rules of Professional Conduct. I am attaching proof of my statements and can back up 100 % of what I say and state. XXXX XXXX XXXX is claiming I have 3 XXXX XXXX accounts that have been assigned to them. They have failed to provide me a chain of title and authentic bill of sale with a specific reference. Which is a requirement for their client ( Portfolio Recovery Associates ). The 2015 consent order from the CFPB demands it.
Furthermore the Illinois Collection Agency Act states that they must provide me a signed contract, an assignment, and the consideration for the assignment. I have received none of these items after multiple attempts. I responded to their first letter within the first 30 days. And I have sent a total of 4 written letters to them.
XXXX XXXX keeps claiming she has sent me proof. Please attach the above items when you respond to this email XXXX. I have proof in my letters that I have received none of these items. I did receive a phony Bill of Sale. It was generic with the price ( whited out ) and no specific reference to me or the alleged accounts. I received terms to a contract, without the contract and without a signature. I have no idea what I am supposed to do with that. And they sent me a handful of photo copied statements. I asked for signed merchant receipts, or proof I used this card, or had knowledge of this card. They have provided me nothing. Portfolio Recovery states in their letter they will provide a chain of title if asked. I have asked, and I haven't received one. XXXX also states that her firm has never threatened me with a Judgement. I will include the letters the prove my claims.
She keeps asking me to fill out a identity theft affidavit. I would be more than happy to, if I knew for sure that was the case. I think they have the wrong person or its an error on their part. If it was 100 % identity theft, XXXX XXXX would be listing these accounts on my credit report. That is not the case. And XXXX XXXX has a policy of 2 cards per consumer for directly issued credit cards thru them. XXXX XXXX XXXX is claiming 3. Which is impossible. I have stated this multiple times. Until I am provided the above documentation. I would have no idea whether this is identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error.
If I am provided with proof Portfolio recovery owns this debt and proof this debt is mine. I would be happy to fill out any paper work necessary.
XXXX XXXX XXXX has turned my world upside down and harassed me for 3 months. They have threatened a Judgement against me, and I have asked that they move forward with it. So I can settle this matter in court and move on with my life.
Now they are claiming that the accounts are on hold and they are investigating them. They had 30 days to investigate the accounts. Its been 3 months. Even if they delete this account and verify that my claims are correct. I will still be taking them to federal court. XXXX it would be best if you start telling the truth from here on out. If you or XXXX XXXX have any questions. Do not hesitate to call. I will be seeing both of you soon.
I am moving forward regardless of what you decide to do. I wrote to your company multiple times as a Gentleman, without posting negatives reviews, or reporting you to any agencies. When you refused to investigate, I had to report you. I have exhausted all avenues now, and this letter today is just a formality and the only option left is court. I have tried to resolve this multiple times and have given you proof of my claims.
Kind regards, XXXX XXXX p.s. The signature on one of the forms I am attaching is not my official signature. I just initialed, so no one can forge my signature on any documents. Also XXXX XXXX XXXX and Portfolio have nothing with my signature on it. If they did, they would have provided it already, and they would not have put the accounts on hold.
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| 10/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX give authorization for Portfolio Recovery Associates to move forward with this compliant. First, Portfolio Recovery Associates is a 3rd party creditor. I never signed an agreement with this creditor. Portfolio Recovery Associates is not the original creditor. 18 U.S. Code 1341. They are also claiming this alleged debt was late, when this is a duplicate account. Per 15 U.S. Code 1692e. False and misleading representation which states, a debt collector may not any false, deceptive or misleading representation or means in connection with the collection of any debt.
Also, without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by or affiliated with the United States or any State, including in the use of any badge, uniform, or facsimile thereof ( 2 ) The false representation of the character, amount or legal status of any debt or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the false representation or implication that any individual is an attorney or that any communication is from an attorney.
Next, the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person. In addition, per 15 U.S. Code 1666, Portfolio is attempting to collect on an alleged that has already been paid. Again, I have never consented to doing any type of business with this company and the fact that they have obtained my personal information as a federally protected consumer is yet another violation pursuant 15 U.S Code 1692c. If I have a contract with two wet signatures with this company please have them submit that document to me. Not an application or agreement, a contract with Portfolio Recovery. I also sent this company a notarized affidavit which if not true they are to rebut every single point of that affidavit, that in fact was ignored. ( Exhibit A and Exhibit B ) They have violated several Federal laws. On XX/XX/2021, I sent correspondence indicating them to cease communication. 15 US. Code 1692c, they ignored my request.
Another violation was from FDCPA ( Fair Debt Collection Practice Act ) 15 U.S. Code 1692 ( d ) Harassment or abuse which states ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. My financial reputation was tarnished due to this derogatory item reflecting on my consumer credit report. The use of obscene language ensued was when this company alleged that I am required to pay this alleged debt. There was also no prior communication by me ( consumer ) which violates 15 U.S. 1692c. Finally, as per the exclusion section of 15 U.S Code 1681a ( 2 ) Aiii, it clearly states the following : The consumer report does not include communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons.
I never gave Portfolio Recovery my consent to report this alleged debt to my consumer credit report. Lastly, there were several deceptive and unfair practices by this company per 16 CFR 433.2. I also indicated to them that I was a victim of the XXXX data breach, and they continue to pursue this alleged debt. In closing, I dispute this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles
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| 07/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Services has repeatedly tried to reach out to me over a delinquent credit card debt that I have. Every time I have tried to work with them, I have been stuck with a representative with an abrasive, " strong arm '' tactic, and it is because of this, that I have chosen not to work with them.
Finally in XXXX of XXXX, I connect with someone who is helpful and willing to work with me. The rep was respectful of how I wanted to pay, what personal information I would give away and, most importantly was willing to work with me on my budget.
We set up a payment plan in XXXX of XXXX for 6 Monthly Installment payments to be made in the amount of {$160.00}. I do not provide my social security number, bank account information or credit card information to creditors, so I decided to make my payments through my XXXX XXXX checking account, using the Bill Pay option.
My first payment was made on the XXXX of XXXX and was due on the XXXX. The following month, I had spoken to the same rep, who adjusted the payment date for later in the month so that I could on a pay week that I did n't have to pay my rent. So in XXXX, I sent my payment in on the XXXX, and it was due on the XXXX.
I continued to make all of the payments ( see included document ), and finished my final payment in XXXX of XXXX. It took me six months to pay off this debt, but I did it because I liked the rep, and ultimately, I was responsible for the debt in the first place. I wanted to make it right.
Then today, Sunday, I get a phone call from Portfolio Recovery Services stating that my XXXX payment did not come in on time, and that I still owed them money. They claimed that the six month arrangement I previously made is no longer valid, and so I owed them an additional {$300.00}, but that they could settle it today for {$280.00}, or 6 monthly payments of {$51.00}.
I am not sure why they called me on Sunday as I originally requested only to be called on weekdays during standard business hours as it is NOT convenient for me to take phone calls during the weekend due to personal obligations.
They were able to offer me a one time settlement reduced down to {$180.00} if I were to pay today. They wanted me to provide my Checking Routing Number, and checking account number. I told them that I do n't provide that to anyone, as I, like most Americans live paycheck to paycheck and need to manage my money so that I can still afford to pay my necessities ( food, electricity, rent etc ... ).
Long story short, I called back, and was told that they could only look up my account by my Social Security number. They could not look it up with only my address, or phone number. I was told that their " System '' was n't set up that way.
After a long discussion with this rep, I was told that my XXXX payment was due on the XXXX, and that they did not process it in until the XXXX. My financial records show that payment was remitted on the XXXX, and that the time stamp on the transaction would have shown that the day it was sent was the XXXX. Not only that the XXXX was a Sunday, so they would not have processed it anyways.
I continued to try to get them to work with me, but it seems like they are unable accept the six payments that they have received as being sufficient to settle off the debt. The total on the debt was : {$1000.00}, and I paid {$990.00}. Now they want me to pay an additional {$200.00} - {$300.00}.
I did not receive any written notification that my payment agreement had been cancelled back in XXXX and a new one had begun. I did not receive any written notification after my final payment in XXXX ( six months after the six month arrangement had been made ).
Please review my case and let me know if there is anything that you can do to help me out here. I really do n't want to pay them anymore than I already have. I made a concentrated and conscientious effort to pay them back ( as seen in my records ), but right now it is reaching a point of getting a little out of hand and I feel like some questionable business practices may be at play with Portfolio Recovery Services.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Social Security XXXX ( XXXX ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record.
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all.
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me.
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me.
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Moving forward, I wish to address specific discrepancies related to certain accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous disputes, no corrective action has been taken, and this is my final attempt before pursuing legal action. I had to dispute an account where I was added as an authorized user without my consent, and it's inaccurately reported as accurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$4500.00} or {$4500.00} ( discrepancy ). Repeated disputes have yielded no resolution, and I'm now considering legal action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online.
* Portfolio RC : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX ). The account by XXXX was deemed fraudulent and removed, yet Portfolio RC persists in reporting the collection stemming from it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Owed : {$12000.00} ; Opened : XX/XX/XXXX. I only had a checking account with them, not credit cards or loans. Negative checking account information should be reported to XXXX XXXX, not my credit report.
It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXXXXXX XXXX is responsible for over XXXX XXXX stolen identities, as discussed. my credit monitor indentityiq informed me of such I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
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| 04/20/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Collection account : XXXX XXXX ( {$350.00} ) To whown it may concern : THIS IS NOT A DUPLICATE COMPLAINT.
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). OnXX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX XXXX.
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| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please be apprised that Portfolio Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Portfolio Recovery/ XXXX XXXX proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX & XXXX & both bureaus are reporting false information on my credit report. You are in violation continuing to report. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time * In this complaint accompanies proof of the CRA 's reporting the wrong date opened. Why does date opened state XX/XX/XXXX if Portfolio Recovery/ XXXX XXXX just openly admitted that the account was opened in XXXX of XXXX. This is a major violation and if you continue to report inaccurate information I will for sure sue all 3 businesses. This is Portfolio Recovery response- Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$1500.00} was due on the account at the time of PRA 's purchase.
|
| 04/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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According to the fair debt collection practices act it is a violation for a debt collector to use deceptive tactics when attempting to collect on a debt.
On XX/XX/XXXX at approximately XXXX XXXX. I received a phone call from XXXX XXXX Portfolio Recovery Associates , Inc., the representative stated they needed to discuss a personal matter with me and I said what is this personal matter concerning and they told me they could not tell me what the personal matter is concerning unless I provided information to them. I immediately told them not to call my phone anymore and any communication further can be sent through the mail.
On Saturday XX/XX/XXXX at XXXX XXXX I call them back to find out in detail what this matter was concerning and provided whatever information they needed in order to find out what this matter was concerning and spoke with operator XXXX XXXX, during the midpoint of the conversation, I asked her how old is this account and she said the account was open XX/XX/XXXX and the last payment/pay day was XX/XX/XXXX. I responded saying I was not familiar with that, meaning the dates.
I asked her if she could send me some information in the mail and then she quickly said, so this is not an account that you are familiar with correct and I said yes!!!! However after listening to the recorded conversation what I meant was, I was not familiar with the dates that she was referring to and not to the account.
Then she initiated a dispute on my behalf which something I did not ask for. After listening to this recorded conversation, I realized the deception that she tried to use in order to update this information in order to put it on my credit report.
She also said that it will be marked to your credit bureau as being reported, however, on XX/XX/XXXX I called and spoke with a supervisor informing them that I am recording the conversation and that this is an attempt to correct their records and any information provided shall be used for that purpose. When the supervisor pulled up the account she stated that she sees that this account is being actively disputed. I stated that this is the reason why I am calling to correct your records because it should not be actively disputed. Then she said so you would like for me to have that status updated to remove that the dispute. Then I brought to her attention, if she was aware that it is a violation of the Fair Debt Collection Practices Act to use deceptive tactics when attempting to collect on an alleged debt. Then she asked me what deceptive active have we used and because of the fact that she did not answer the question I asked was she aware of that YES or NO??? she stated that she personally does not use deceptive tactics but she is aware of the Fair Debt Collection Practices Act and then I asked is your company aware of the Fair Debt Collection Practices Act and she said yes we do train on it.
I explained to the supervisor that the representative attempted to twist my words to mean something different from what I meant and I explained to her exactly what I meant. I explained to the supervisor that I had asked the representative how old was the debt and when she gave me the dates my response was that I was not familiar with that then she quickly said so you're not familiar with this account and because she was speaking so fast and I said yes again I later listen to the recorded conversation and explain that that's not what I meant, I meant that I was saying yes to being unfamiliar with the dates and not the account. I also explained to the supervisor that I am not disputing anything and if they wanted a reason for that question as it relates to a dispute I said my responses I have no comment!!!
I also explain to the supervisor that if anything shows up on my credit report I'm going to file a lawsuit for violation of using deceptive tactics when attempting to collect on an alleged debt. I further stated for them to never call me again and also informing them that they are to cease and desist any further communication.
Recordings of these can be provided upon request!!!!
|
| 01/05/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Re : Second request of Validation for alleged debt of {$510.00} reported on my consumer report two times after insufficient proper validation under the FDCPA 15 USC 1692g I did not ask for an electronic summary, I am requesting the company Portfolio Recovery Associates to follow the federally protected laws that put in place to be followed.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major consumer report agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and XXXX of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipts, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Requested Information & Documents 1. Name and address of alleged creditor 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency 9. Was this debt assigned to a debt collector or purchased 10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants Portfolio Recovery Associates the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof of Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account? Yes or NO ( Circle one ) Have any judgements been obtained by any creditor regarding this account?
Yes or NO ( Circle one ) Please provide the name and address of the bonding agent for Portfolio Recovery Associates, in case legal action becomes necessary : Authorized Signature of Creditor : ___________________________________________ Date : _________________________________________________________________ You must return tis completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not competed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practice Act.
Please allow 30 days of processing after I receive this information.
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| 04/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : Collection accountS : XXXX ( {$450.00} ) ; XXXX ( {$340.00} ) ; XXXX ( {$680.00} ) ; XXXX ( {$440.00} ) To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
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| 09/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is based on violations of the FCRA, the FDCPA and the Massachusetts Consumer Protection Act 940 CMR sec. 7 and MGL Chapter 93A sec. 2 by Portfolio Recovery Associates ( PRA ).
___ On XX/XX/2019, I reviewed my credit report and saw a collection account reported by PRA in the amount of {$230.00}.
___ On XX/XX/2019, I mailed to PRA a request for validation of debt. I requested all of the materials required by Massachusetts law and the FDCPA. PRA received my letter on XX/XX/2019 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. I have attached a copy of that letter.
___ On XX/XX/2019, I disputed the account thru the credit bureaus. My dispute included the following : I am not responsible for this account AND [ PRA ] failed to validate the debt by not providing the required materials under Massachusetts law and the FDCPA.
___ Despite the failure and/or refusal of PRA to validate the debt, they falsely instructed the credit bureaus that the account was verified in order to wrongly prevent its removal from my credit report.
___ On XX/XX/2019, nearly six ( 6 ) months later, PRA mailed me so-called validation of debt, where the amount they demanded was more than the credit card statement they provided in their alleged proof that the debt was owed.
___ The facts show that PRA falsely verified a balance with the credit bureaus of {$230.00} when the statement they provided shows a balance of {$220.00}. Further, PRA clearly did not have the statement in their possession to substantiate their credit reporting until several months later as evidenced in their delay in providing that statement. In a recent FCRA decision against another debt buyer who verified information to a credit bureau without account-level documentation, the court ruled as follows : A jury could also find that because [ the buyer ] retained the right to seek account-level documentation through its agreements with [ the sellers ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ).
XXXX Not only did PRA provide evidence that they were overbilling me, they also did not provide me with the remaining materials that would validate the debt as required by state and federal law.
___Based on the aforementioned facts ( and supported by the attached Exhibit ), PRAs conduct includes the following : XXXX_ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that PRA failed to cease collection of the debt without providing me verification of the debt that was consistent with the amount they demanded.
___ ( b ) Violation of Mass. law 940 CMR 7.08 ( 2 ) ( a ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide me copies of any papers bearing my signature.
___ ( c ) Violation of Mass. law 940 CMR 7.08 ( 2 ) ( b ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide me a full transaction history itemizing the alleged debt.
___ ( d ) Violation of 15 USC 1632 ( d ) ( 1 ) for failing to provide me with a copy of the credit card agreement, or a link to the agreement on an internet site such as the CFPB cardholder database.
___ ( e ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount, or legal status of the debt.
___ ( f ) Violation of the FDCPA 15 USC 1692e ( 8 ) in that they communicated credit information which is known or should be known to be false.
___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus.
___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to consider all relevant information provided in my dispute to the credit bureaus.
___ ( i ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverified information on my credit reports.
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| 10/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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In XXXX of XXXX, quite by accident, I found out that I was a victim of ID theft because there were several credit card accounts opened under my name and they appeared in my credit report as collections. Until XXXX of XXXX, I did not receive any correspondence about this alleged account or debt. I am a senior citizen in a very poor health, and I panicked when my son asked me about collection accounts I allegedly had. I asked my son to help me with this. I started writing letters to these collection agencies using the addresses we found in my credit report. I filed an ID theft report with FTC. I have no knowledge of this alleged debt with Portfolio and XXXX XXXX ( I saw the name XXXX XXXX in the letter Portfolio sent out ). I requested verification and validation of this debt from Portfolio Recovery Associates collection agency since XX/XX/XXXX. However, all they keep sending me is some copy of a letter dated XXXX that I have never seen and some billing statements that have my name and address on them together with lots of charges I have no idea who made. This is not a validation of this alleged debt, just because the statements have a balance due and my name and address on them, or date opened, it doesn't mean this is my debt. I sent them a form to complete to validate, but they did not return the completed form back to me. I have sent several letters requesting validation and proper verification of this debt, and never received anything BUT statements with balance of {$5900.00} due.
I am an elderly person with no access to computer and computer skills, and I only have two credit accounts under my name and I keep them in very good standing. I don't like credit cards, I don't use them, I don't want them. This alleged debt has put me in a very scary position, because I do not know who used my personal information and how and when. All I know, I have no knowledge of this account and the debt in this alleged account doesn't belong to me. I called the local police department to file an id theft, and I was told to file it with FTC, which I did.
Portfolio Recovery Associates did not respond to any of my correspondence since XXXX, except the last letter I sent in XXXX, and I paid extra to send it via USPS Priority Mail so I have a tracking number, and only now, they simply sent me copies of the same statements and the same letter from XXXX XXXX. None of this is validation that this account has been opened and debt incurred by ME. I need valid proof, which I am sure neither XXXX XXXX, nor Portfolio possess because THIS IS NOT MY ACCOUNT, I DID NOT OPEN IT, I DID NOT USE IT. Someone used my information and opened several accounts under my name and I did not know about it until XX/XX/XXXX because I do not check my credit and I had no need to worry about it knowing that I always pay my bills on time. Portfolio reports this alleged debt in my credit report affecting my good credit standing, which I try very hard to maintain having very limited budget. And looks like they have been doing it for several years now. I asked to remove this delinquency from my credit but the only time they responded was in the letter dated XX/XX/XXXX as alleged additional information consisting of billing statements that do not validate this alleged debt.
This is causing me XXXX XXXX and panic. I asked my son to put a fraud alert on my credit. I don't want to be responsible for someone else 's debt. I did not allow anyone to impersonate me and use my information to open accounts. It is scary. I am terrified. XXXX XXXX and Portfolio are holding me accountable for a debt that I DO NOT OWE and have no clue about, and they fail to properly validate this debt. Just sending me billing statements is not proof that this is my debt. Anyone can send billing statements. I need to know WHEN, WHO AND HOW THIS ACCOUNT STARTED not WHAT THE ALLEGED BALANCE OWED IS. I don't have a card bearing XXXX XXXX, I have never had one in my possession, never seen one. This is fraudulently opened account and I need this item removed from my credit ASAP.
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| 06/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear portfolio recovery associates : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2022 and identified the debt as verified debt owed.
You than submit in the mail XX/XX/2022 just a bill from XXXXt. Once again I am requesting the following information once again before filing legal suit.
Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
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| 05/08/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The letter below was sent to the collections company with no response after 30 days.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a Request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
IF your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Thank you for your time.
Regards, XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. XXXX c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.
Best regards, XXXX XXXX I am requesting all the following : 1. Name and address of alleged creditor 2. Name on file of alleged debtor 3. Alleged Account number 4. Address on file for alleged debtor 5. Alleged Account number 6. Amount of alleged debt.
7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency 9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased 11. Commission for debt if collection efforts are successful Please attach copies of the following : 1. Agreement with your client that grants XXXX the authority to collect this alleged debt.
2. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 3. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 4. All statements while this account was open 5. Have any insurance claims been made by any creditor regarding this account?
___ Yes ___ No 6. Have any judgments been obtained by any creditor regarding this account?
___ Yes ___ No Please provide the name and address of the bonding agent for ( Name of Debt Collector XXXX, in case legal action becomes necessary : Authorized Signature of Creditor : XXXX Date : _______________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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| 01/21/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent portfolio recovery this document certified mail and portfolio recovery did not send me the documentation I requested in my letter.
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume there is no proof of the alleged debt, nor therefore any debt, in fact exists and under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. DO NOT SEND ME COPIES! SEND ME THE ORIGINALS! THIS IS MERELY A PAPERTRAIL.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC1692gSec. 809b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report unvalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request with XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged creditor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY in case legal action become necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX XXXX XXXX Commission
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| 11/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX & Portfolio Recovery Associates added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company.
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
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| 07/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I entered into an agreement with Portfolio Recovery Associates LLC last year, XX/XX/2019 and committed to pay {$200.00} every month until my credit card debt was paid in full. I have faithfully mailed in a check every month since the agreement was made and have never had a problem. Until now. Last week I received a phone call telling me I had submitted a payment in the amount of only {$160.00} and not the {$200.00} as I had previously agreed upon. I informed the woman who called me that I had submitted my payment in the amount of {$200.00} and I had my check from the bank backing up this claim. She asked me to submit a copy of that check ( which I went to my bank and got a copy of ) along with a letter telling them what the problem is with the payment amount. I did as requested and also stated in that letter that I was disputing that claim that they had made. I sent the letter and a copy of that check to Portfolio Recovery Associates, LLC XXXX XXXX XXXX -Back Office XXXX XXXX VA XXXX on the Monday of this past week. I just received another phone from them telling me I was in violation of the agreement and now the agreement was null and void since I had not submitted the full {$200.00} as agreed upon. I argued and argued with the man and tried to explain to him that this was a bogus claim and that I had proof for what the amount of XXXX 's payment was. He then asked me to email them a copy of that copy of the check from my bank to him and I did so. He then said I would have to enter into another agreement since I had VIOLATED the first one. It was nothing but a runaround over and over with him. When I threatened to call XXXX XXXX XXXX he put me on hold and contacted his supervisor and then came back to me and said they would " knock off '' the {$30.00} I was short on the XXXX payment! I was NOT short on the XXXX payment and I have a copy of that check to prove that. I got no where with this man or his supervisor. I was told I could start sending in payments of {$200.00} a month in a new agreement. He then tried to get me to tell him on what date I would submit my payment from here on out and I told him I would submit that payment as I have always done so that it would be in their hands on the first day of every month as I had originally agreed upon. He then asked me to verify the last 4 digits of my social security number and I refused, l informed him I do not give out that kind of personal information over the phone and he then proceeded to tell me good bye and to have a nice day. I'm not sure what kind of stunt they are trying to pull with me at this point and I no longer trust them when I submit a payment to them. I also informed him the XXXX payment I had sent in was cashed a week earlier than they have ever cashed it before ( it was not a problem for me that they had done so but I did notice it was cashed earlier than they normally did ) and that someone had written a number down in the memo part of my check a number that did not make any sense to me and the last part of the numbers you can not make out. I did NOT write those on there and I do not who did. My frustration level with these people is over the top, you can not discuss the issue involved with them and they do nothing but give you a run around. I was also informed on the first phone call ( last week ) that since I had not submitted the full amount of my payment that the agreement I had with them was now null and void. I don't know what they are going to do now. I still owe them {$6000.00} according to the man I talked to today. I also asked him not to call me on the phone anymore and to only contact me through the U S mail. He ignored what I had to say. What recourse do I have now? Will my payments still be accepted? Will they bring formal charges against me when I am innocent of what they are claiming and have proof to show this? I don't know what to do at this point and I no longer trust them. Thank you for any help you can give me.
Sincerely, XXXX XXXX
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| 11/03/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX RE : Collection account : XXXX {$360.00} To whom it may concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before Brennan had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
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| 12/07/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hi My name is XXXX XXXX. I am writing this complaint for my self in reference to a Portfolio Recovery Associates account on my credit report. This complaint is a request for validation.
Validation of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants PORTFOLIO RECOVERY ASSOCIATES the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
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| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am XXXX XXXX, and I am the author of this complaint. There are no additional parties involved in either the creation of this complaint, nor its contents.
This is not a Validation of Debt Request- please don't reply with such details/attachments.
Please do not dismiss this as such. Doing so is traceable and discoverable.
Know- this is systematic, impacting a class of consumers.
All of your accounts are a part of this dispute, and are in the same exact state. Please do not dismiss this as one - tradeline issue.
First things first - I hereby dispute the FCRA date, and on all of your reported records on my consumer reports. Where you report - the dates are inaccurate, and - can not match. XXXX - XXXX are included in this complaint.
Portfolio Recovery Associates ( PRA ) is a Debt Collector. PRA is not a Creditor/Credit Grantor, either by practice or by law. There is a clear delineation of these two types of entities.
FTC - Legal Definition is found within the link below, and pasted for your convenience.
Section 803-4,6 https : //www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text Understanding the separation, there are innate responsibilities a Creditor/Credit Grantor, or Debt Collector has in furnishing their data and to any CRA.
All CRAs require consumer credit data to be submitted in ONE file format. That Format, is XXXX ( CDIA ), links below - specifically direct DFs to publish files to a CRA in this format.
https : //www.equifax.com/business/data-furnishers/consumer/ https : //www.experian.com/consumer-information/reporting-to-credit-agencies https : //www.transunion.com/data-reporting/getting-started # FormatRequirements The XXXX File Specification, is called the Credit Reporting Resource Guide.
I have attached - the Directives ( file specification ), from this guide that governs your data furnishing responsibilities, and as a Debt Collector.
XXXX A Debt Collector leverages the same Portfolio Type - as a Creditor/Credit Grantor The Portfolio Type is = Other Debt Collectors however, are limited to about 19 fields for a Consumers record PRA - Routinely, sends more than what is allowed by XXXX PRAs Additional Data, Portfolio Type and repetition, create a false, misleading and fraudulent tradeline Terms, are never allowed by a Debt Collector on a XXXX compliant file You are sending MONTHLY ( again ) Payment History - is never allowed on a XXXX compliant file Pay Rating - is not allowed on a XXXX compliant File PRA is sending ( G ) Collection, every month, along with Balance History that can never apply PRA is publishing this ( you have deleted - and then resent this, at least once ) XXXX - is then allowing you into section 5 Other Accounts This section, is for Creditors/Credit Grantors and even by their own description Your account also says - 'Closed '' Lacks a CLOSED DATE Lacks an Activity Designator Screen shots attached as XXXX XXXX This can not be expected results, as any Tech team/forensic tech, could demonstrate its failure, and all of your files create the same data ( discoverable ) An actual Collection Account and then from XXXX - section 10, is also attached PRAs consumer reporting, results in their records establishing accounts as creditors, when its never ever possible to have this relationship with them The impact to a consumer score - is known Collections naturally age off on impact to consumer scores PRA has anchored itself, to prevent any natural progression - ever, and while they reside on a consumers file PRAs tradeline is fraudulent, mimics a creditor and is knowingly published, monthly and to all CRAs FCRA - FDCPA, and other elements of governing law XXXX prohibit your reporting, tactics and impacts to the consumer.
I forgot - I build interfaces regularly, and understand technical specs === plus i just love the data.
Delete your fraudulent tradeline - know, if you delete it again - there are rules expected when you try to reinsert it.
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| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is an additional complaint and a follow up to a prior complaint XXXX.
On XXXX I submitted the following complaint : On XXXX XXXX I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XX/XX/XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
I received a response from Portfolio recovery associates where they advised that they confirmed that they notified me of their purchase of the account. They provided no evidence that I was ever notified in a proper fashion. What address did you send the alleged " notice '' to? They advised that they obtained " business records '' from XXXX XXXX at the time they purchased the account. They have not provided the business records they claim to have received from XXXX XXXX to support their claim and I highly doubt that they properly verified the information at the time. I can guarantee they do not have a signed contract from me. PRA advised that no contract between PRA and myself is required to validate the account. PRA can not provide a signed contract by me from XXXX XXXX or between myself and PRA.
PRA mentioned attached letters and proof multiple times in their response but again NO EVIDENCE WAS PROVIDED.
PRA response Noted that the account was opened on XX/XX/XXXX and placed in a charged off status on XX/XX/XXXX. Records from the XXXX credit bureaus indicate that the payment status has NEVER BEEN ACCURATELY REPORTED for the entirety of the time PRA has reported the account to the 3 bureaus.
Being that they payment history is not being reported the account is automatically subject to be removed. This is a violation of the FCRA 's data accuracy requirements. The account was never properly validated, nor AUTHORIZED to be reported.
PRA mentions multiple times that they sent letters and containing validating information, NO INFORMATION WAS SENT.
PRA is saying that they accurately reported the information but never provided proof that I was actually notified and without providing any proof or validation began reporting negative information on my credit report, reporting unverified and inaccurate information is a violation of the FCRA.
The CFPB closed the file without verifying that any documentation was attached the file.
I have a few questions, Why does it say that I was late or never paid the collection when I was never provided with a proper notice? Failure to notify me and then posting durogatory information is a violation of the FCRA which could expose PRA to thousands in fees.
How do I know that that PRA did not charge me a surcharge or add any money on to this allege debt when they have not provided any information at all?
How do I know that when PRA started to submit this DATA to the 3 Bureaus that they followed all compliance and accuracy protocols to continued ongoing maintenance of the account?
If PRA has been inaccurate with its reporting this entire time what kinds of sums of fines are we entitled to in accordance with what appears to be numerous violations of the FCRA reporting, data accuracy, and proper notice requirements.
Based on the damage that has already been done to me and the ongoing health emergency of XXXX a delayed response is not acceptable.
I attached the documents SHOWING THAT THEY ARE NOT REPORTING ACCURATE DATA AND HAVE NOT BEEN FOR THE LAST 24 MONTHS AT LEAST.
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| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Portfolio Recovery Associates has sent collections documents to me in reference to XXXX XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Portfolio Recovery Associates sent me statements from XXXX XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Portfolio Recovery Associates nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached. Pursuant to 15 U.S.C.1692g, a statement does not prove that the debt belongs to me. I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement.
A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting Congress make the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
And there are a lot of discrepancies in their reporting.
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In my previous complaint I stated : In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a XXXX. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
I clearly stated that I have only had 3 accounts with XXXX XXXX that are all in good standing. XXXX took it upon themselves to remove these 3 active accounts that are in good standing and left the account that I verified was inaccurate which is being reported by PRA ( Portfolio Recovery Associates ). They removed positive accounts with XXXX XXXX XXXX, XXXX and XXXX. These three accounts were inaccurately deleted. These are accounts in good standing. I feel as though XXXX purposely deleted these accounts to mess with my credit score and make it seem as though I closed these accounts. The account that was to be deleted for inaccuracies was the Portfolio Recovery Associates XXXX. This is not my account nor has it ever been my account. I have said this numerous times. This company has been harassing me and every time I ask for a copy of the contract with my signature they can never produce it. My 3 accounts in good standing with XXXX XXXX, which are the only accounts along with my bank account that I have ever had with XXXX XXXX. A lawsuit will follow if this is not corrected immediately. XXXX has made a major mistake. I have already shown this evidence to the attorney general so they should expect to hear from them regarding this matter as well.
This was XXXX 's response to my request to remove the Portfolio account : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on XXXX
|
| 09/08/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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I am a consumer as defined by the FDCPA who is filing his complaint against a third party debt collector doing business as Portfolio Recovery Associates , LLC. ( Respondent ) headquartered in XXXX, XXXX. This complaint is regarding Respondent 's claim of their alleged previous purchase of a charged off consumer debt from the original creditor " XXXX XXXX XXXX '' and their collection efforts including excepting payments from me then filing a lawsuit against me for non-payment of the debt. Once Respondent filed suit, they failed to prove they owned the debt at trial.
The Respondent knowingly and intentionally bypassed XXXX Justice Court Section 8 Rule 577 parts ( 3 ) ( 5 ) ( 6 ) ( 7 ) ( 9b1 ) and recently filed CFPB Consumer Finance Protection Bureau Consent Order paragraphs XXXX and XXXX so as to proceed through the State Court judicial system to trial with a malicious, fraudulent, false and misleading original petition that did not have the required evidence showing rightful ownership of the debt sought.
See letter of documented payments as Exhibit A See Respondents Original Petition as Exhibit B See Justice Court Section 8 Rule 577 with parts ( 3 ) ( 5 ) ( 6 ) ( 7 ) ( 9b1 ) as Exhibit C The CFPB filed a Consent Order on XXXX XXXX, XXXX against Respondent for filing deceptive lawsuits against consumers. The Respondent knowingly ignored and violated the Consent Order by proceeding four months later to trial without providing me with documentation proving debt ownership before any legal action was to be taken as mandated in paragraphs XXXX and XXXX of the XXXX XXXX. See CFPB Consent Order Paragraphs 119 and 120 ( e ) -4 pages as Exhibit D XXXX to XXXX The Respondent 's Original Petition also contained a plea for monetary relief of {$100000.00} on a defaulted debt of {$4800.00} they allegedly purchased for pennies on the dollar. The {$100000.00} dollar demand grossly exceeded the jurisdictional limits of the Justice Court ceiling of {$10000.00} dollars and was a gross malicious attack against me. See Exhibit B under B. Jurisdiction The Respondent did not sue on my credit card account as they never mentioned my actual account number of which I made my payments to them in their Original Petition.
See Exhibit B of D. Facts At trial, I made my opening statement with objections claiming the Respondent 's Original Petition lacked standing and raised XXXX points that supported my objections ; 1. I do not recognize the account number in the petition. 2. Respondent failed to comply with Section 8 Rule 577 of Justice Court Rules 3. Respondent failed to comply with CFPB Consent Order paragraphs XXXX and XXXX and 4. Relief of {$100000.00} sought in Respondent 's Original Petition exceeded the jurisdictional limits of the Court.
The Judge hearing the case ruled in my favor by sustaining my objections.
The Respondent 's attorney afterward spoke with the Judge and motioned to dismiss the complaint for non-suit and refiling and the Judge sustained the Respondents motion as well.
See Order Granting Notice of Non-Suit dated XXXX XXXX, XXXX as Exhibit E.
After the trial, Respondent never sent the required documentation proving they owned the debt and failed to comply with CFPB paragraphs XXXX and XXXX and never refiled their lawsuit after being contested by me at trial. They obviously never intended to prove their claim of ownership against me if contested. As a result, the Respondent knowingly violated CFPB Consent order paragraphs XXXX and XXXX and committed deceptive acts that were false and misleading by not following up with re-filing their complaint after being contested by me. See CFPB paragraphs XXXX,XXXX,XXXX,XXXX as Exhibits F & F2 The time limits for full compliance of paragraphs XXXX and XXXX as required by CFPB paragraph XXXX have expired and the Respondent never complied with XXXX and XXXX. The Respondent 's claim against me was never proven to be valid and remains unresolved.
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXXs.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, Best Regards, XXXX XXXX
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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on XXXX XXXX a collection was placed on my consumer credit report by the collection company as portfolio recovery with thee amount of {$620.00} .i have written the company to forms to validate this debt, which i have the right under FDCPA to do so and this company has violated that by not complying with my orders .this debt collector has violated my rights to privacy under frca, which has causes defamation to my character..theres multiple violations by this company : 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES LLC / PRA GROUP LLC, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
As a federally protected consumer, I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES LLC / PRA GROUP LLC, for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC any right to collect on this alleged debt.
I have never received any documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. PORTFOLIO RECOVERY ASSOCIATES LLC/ PRA GROUP LLC shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 05/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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On XX/XX/2020 I mailed a Debt Validation letter to Portfolio Recovery addressed at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. Requesting in Detail Proof of a contract between myself and there agency. In summary The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a collection company permission to slander me on my credit reports. Heres the law in case you never read it before : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than three business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request from you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming PORTFOLIO RECOVERY as an entity entitled to enforce a commercial claim ( You do not conduct commerce ) against me.
*Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need to be provided to the notary, and the notary would need to make the copy themselves ).
You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, make inquiries, add comments and/or dispute codes of any access to my personal credit report/file.
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.
3. Provide a full accounting : Every charge, payment, fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract Portfolio Recovery Mailed me a letter back on XX/XX/2020 Stating a full account number. A Seller whom is also the alleged Original Creditor, Balance owed and a summary about the file Stating only my name the last 4 of my social and a date.
They did not provide any written authorizations contracts between myself and there agency or myself and the original creditor. Failing to comply and or violate my rights under the CFPB.
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| 02/15/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2022 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
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| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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On XX/XX/XXXX I received a statement of claim in regards to being sued by Portfolio Recovery Associates for a debt they allegedly bought from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I then sent out validation requests to Portfolio Recovery Associates and XXXX XXXX pursuant to 15 USC 1692g. Portfolio Recovery Associates responded to my letter stating that they have validated this account along with stating my last four of my social security number. I never gave Portfolio Recovery Associates consent to possess my personal information. As a consumer and original creditor this is a violation under federal law. Pursuant to 15 USC 1692 ( a ) my individual right to privacy was violated. Third party debt collectors have the right to purchase alleged debts but they can not purchase my personal information as that would violate my individual right to privacy. Furthermore, to validate is an action and only living beings can perform an action. Portfolio Recovery Associates is a company and not a living being so they can not validate anything which is also a violation of 15 USC 1692b ( 2 ). Only I as a federally protected consumer and natural person can say I owe a debt. Portfolio Recovery is also stating that XXXX XXXX is the original creditor of this debt which is false. An original creditor is defined as any person who offers or extends credit. A person is defined by black law dictionary as a human being or natural person. I have also received a letter from Portfolio Recovery Associates stating they have correspondence from XXXX XXXX stating that I owe this debt ( another violation of 15 USC 1692b ( 2 ) ). Again, no one can legally state that I owe a debt under the FDCPA. After examining this letter and comparing it to other response letters that I have received from XXXX XXXX I have concluded that this letter is a forgery. Portfolio Recovery Associates is trying to use false and deceptive practices to force me to pay a debt that I do not owe as the original creditor which is a violation of both 15 USC 1692d, 15 USC 1692d ( 2 ) for obscene and profane language and 15 USC 1692e ( 10 ). In my validation request I have asked for Portfolio Recovery Associates to provide a contract stating that I am liable for this debt in which they did not. Also Portfolio Recovery Associates was not assigned this debt they purchased it. Under 15 USC 1692g they must let me know how much the alleged debt was sold for as well as how much their commission would be for collecting the debt. They have not provided any of these details. I have sent XXXX XXXX three attempts to validate this debt that they are alleging that I owe and they completely ignored my requests but instead responded with diversion tactics. If XXXX XXXX the alleged original creditor can not validate this debt or produce a contract or any written form of communication stating that I am liable for this debt then how can Portfolio Recovery Associates allegedly validate this debt? In their statement of claim they are alleging that because I made payments on this account then I must owe this alleged debt. Pursuant to 15 USC 1692h " If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. '' I dispute this debt as the consumer and original creditor and will be directing XXXX XXXX to return all alleged payments, if any. They have also violated my rights by reporting this alleged debt they can't even validate to the credit bureaus which has ruined my reputation pursuant to 15 USC 1692d ( 1 ) and 15 USC 1681. Lastly, pursuant to 15 USC 1692i ( b ) Portfolio Recovery Associates shouldn't even being suing me. They have no legal right or any jurisdiction to sue me.
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| 10/23/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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In XX/XX/XXXX I went to XXXX where I purchased an all in one XXXX XXXX and a wireless speaker from them. Although I had cash on me, the individual at the store back then told me it would be preferable to open an account with them as I would benefit from the the interest for six months deal they got going on. I took the deal.
Then the same year I got an XXXX mini and XXXX Wireless speaker for my wife then girlfriend as a birthday gift.
Then later on I think in XX/XX/XXXX, I purchased a wired in-ear XXXX headphones for {$99.00}. Ever since then, I stopped making purchases from XXXX and focused on paying the account that was opened through XXXX XXXX.
When I got married in XX/XX/XXXX, I opened another account with XXXX XXXX with XXXX XXXX XXXX. I was then paying these 2 accounts together.
In XX/XX/XXXX I fell ill and could no longer work, after a while, hospital bills drained my savings and I found myself calling my creditors so they could freeze my accounts until I could get back on my feet. XXXX XXXX flat out told me that it wasn't possible. I asked them to get me a summary of what I actually owe them so I could have my parents assist me, to my surprise, they gave me a bill for XXXX that I should not be having at this point considering the length of time I spent without touching the account, I told them that I should be done paying it if not paid off already.
I asked why I still owe that much, they listed my purchases for me and told me of recent purchases that SHOULD NOT be on my account, I made it crystal clear to them that I have not made any other purchase since XX/XX/XXXX and that anything beyond that point should be considered fraudulent.
When the lady asked me for my XXXX card, that is when I realized I didn't have it in my wallet or anywhere else.
So we concluded the call that my misplaced card was obliviously used to make unauthorized purchases, that without those purchases I am in fact done paying the XXXX account, the lady told me that they would take care of it but there was nothing they could do for the XXXX XXXX XXXX account, they could not freeze it.
I had to let that account get charged off just like some other creditors who told me they could not freeze my accounts either.
I got a new job in XX/XX/XXXX and started contacting my original creditors to find out that most of them had sold my account to Debt Collections agencies I have been paying them since them and almost have very little left before i am done paying them and naturally, the XXXX XXXX XXXX account is one of them that I am still paying for.
In XX/XX/XXXX, a number started blowing up my phone from 9 in the morning until I got off at 5.
When I got off and picked up their last call, it was PORTFOLIO RECOVERY, telling me that my account was sold to them from XXXX and I owed {$780.00}. At first I was confused because I was already paying the account they sold, but then the lady explained that it was for XXXX.
I SPENT OVER 1 HOUR IN THE PHONE EXPLAINING TO HER THAT I NO LONGER OWE ANYTHING TO XXXX.
That is when she apologized and told me that she would put it in for dispute and even congratulated me when I told her that I need them to make sure it's taken care off because I am trying to fix my credit to buy a house since my wife and I are expecting our XXXX child by the end of XX/XX/XXXX.
I checked my credit around the XX/XX/XXXXt to see how much increase I had gotten.
There, was PORTFOLIO RECOVERY for {$780.00} for the fist time showing as an unpaid collection.
I called them in the same week to express my frustration at the fact that they're messing up the credit that I am working so hard to fix, the girl I spoke to told me that i would have to file a police report or wait 10 to 15 days for them to send me a package in the mail that would allow me to dispute the charges even though she acknowledge that it is already in dispute!!!!
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| 09/19/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Portfolio Recovery Associates Fraudulent Collection For years, this company has a history of deceiving the public they are predators on the public. Portfolio Recovery Associates has no intention of complying with court orders to change it 's illegal collection practices, the modified it by using court clerks to record false actions on the court docket.
Illegal actions against me using court clerks to create false docket recording and false documents and claims on XXXX case dockets in XXXX XXXX TX : 1. Portfolio Recovery Associates used Justice of the XXXX XXXX XXXX XXXX XXXX XXXX Texas court clerks to create false court docket recording with misleading motions missing proof of service, petitions with the wrong court of venue and jurisdiction, false and misleading account numbers and balance due.
2. Court docket with missing and no proof of service.
3. Court docket with alternate service not notarized containing misleading and false information.
4. Portfolio Recovery Associates has used Justice of the XXXX XXXX XXXX XXXX XXXX XXXX Texas court clerks to create false court docket recording in XXXX cases against me.
5. Portfolio Recovery Associates has no intention of complying with court orders to change its illegal collection practices, the company modified it practice by using court clerks to record false actions on the court docket.
6. Portfolio Recovery Associates has ignored previous court agreement to stop this practice described below.
Consumer Financial Protection Bureau ( CFPB ) took action against the nation 's XXXX largest debt buyers and collectors for using deceptive tactics to collect bad debts.
Portfolio Recovery Associates must pay {$19.00} XXXX in consumer refunds and an {$8.00} XXXX penalty, and stop collecting on over {$3.00} XXXX worth of debts.
Portfolio Recovery Associates bought debts that were potentially inaccurate, lacking documentation, or unenforceable. Without verifying the debt, the companies collected payments by pressuring consumers with false statements and churning out lawsuits using robo-signed court documents.
CFPB has ordered the companies to overhaul their debt collection and litigation practices and to stop reselling debts to third parties.
Portfolio Recovery Associates threatened and deceived consumers to collect on debts they should have known were inaccurate or had other problems.
CFPB found Portfolio Recovery Associates attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies also filed lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. These practices violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Attempted to collect on unsubstantiated or inaccurate debt : XXXX and Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer.
Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.
Portfolio Recovery Associates collected debts through lawsuits and threats of legal act
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| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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I recently signed up for to a credit monitoring service last year XXXX. I noticed a debt that was not mine. I disputed the debt through the credit monitoring service. The creditor mailed me a copy of a credit card bill that I had not signed up for from XX/XX/XXXX that it had been sold to another debt collector in addition to a letter from them dated XX/XX/XXXX stating that a copy of the previous bill from the previous creditor was proof of validity. So I responded on XX/XX/XXXX requesting proof of validity and specified I will need a signature as proof of validity and not simply the bill. I did not sign up for this card. In response they mail me another letter on XX/XX/XXXX with a copy of another letter saying that the debt was sold. Again, this is not what I requested in my first letter. I respond again on XX/XX/XXXX, stating I do not have responsibility for this debt and to send me proof of validity. They respond on XX/XX/XXXX completely ignoring my request for my signature where I signed up, and again send me copies of statements from the original creditors ( again not mine ). I specifically state that nothing they sent to me shows that I personally signed up for this card in my response letter dated XX/XX/XXXX. In response they send another letter on XX/XX/XXXX stating that the seller provided an electronic file of its business records containing information concerning the account and print a summary at the bottom of the page containing my name, last four of social, and date the account was opened XX/XX/XXXX. No where on the letter do they ever address my question that has been the theme in all of my letters. I respond to that letter on XX/XX/XXXX in the same fashion as my other letters. A day later I receive another letter with the same exact date XX/XX/XXXX as the previous stating that they have already responded. They state my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, that they will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1981s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act and that if they continue to receive subsequent correspondence from me regarding a dispute that has already been resolved, they will consider my inquiry answered. No further replies will be forthcoming unless I provide the information they need to assist me and they consider this matter closed. None of the letters I have received from them ask me for any further information, so what exactly are they talking about? On the contrary the letters I have sent to them all ask the same question and they won't answer it, yet they send letters with no questions and send me one stating I didn't provide information for their question. They never answer the one question. I explain to them how this is effecting my credit report in a negative way and they do not simply read the letters asking for proof of validity with my signature. They then send me another letter dated XX/XX/XXXX I received yesterday XX/XX/XXXX ( all of their letters are dated yet I always receive them far from the date stated on the letter, I am only in the next city over ) stating that they requested additional information pertaining to the account ( they never specify what information ) They then state they can not complete the investigation, and since they have not received it they are terminating the dispute. Once reading this I log into my credit monitoring service, and the debt is still their with the remarks " dispute resolved ; customer disagrees '' I am pretty sure disagree and resolved would be considered an oxymoron. It wasn't resolved they never answered my question, and are closing the case based on the fact that I didn't answer questions in their letters that they never asked. In addition this is for a debt of {$440.00} that is not mine.
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| 03/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Debt Validation Letter XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX VA XXXX RE : Account # __________________ To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES , LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade XXXX
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| 06/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Whom This May Concern : PORTFOLIO I am seriously writing a real letter from myself. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my accounts. You marked these accounts as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications 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 all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation.
A debt collector may not use unfair or unconscion able means to collect or attempt to collect a debt. Specifically, a debt collector may not Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by lawA debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} In a classaction, upto {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action
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| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real Land North America ( FINAL JUDICIAL NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX , VA XXXX Account Number : XXXX XXXX JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA 5. proof of the last payment made on the account.
6. Itemized statement of charges.
7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
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| 08/04/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XXXX XXXX a collection was placed ion my consumer credit file by the company PORFOLIO RECOVERY ASSOCIATES LLC for the amount of {$2500.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Around XX/XX/XXXX, I received a credit monitoring alert stating that a new account had been reported to my credit. I discovered then that Portfolio Recovery had listed a collection account on my credit reports. I sent PRA written notice of dispute at that time. I received no response.
Since that time, PRA has continued to report this disputed and unsubstantiated account on all three of my credit reports. In XXXX of this year, I received a collection phone call from PRA. This was the only communication from PRA that I had ever received aside from their reporting on my credit. During the phone call, I again stated that this is disputed, and asked why Portfolio chose to ignore my dispute. PRA claimed -- as it still does to this day -- that they never received such dispute. Even so, as of that phone call on XX/XX/XXXX, PRA was well aware that this account is disputed. During this phone call, I was transferred to a supervisor, and he informed me that because he could see where I disputed two prior accounts with PRA -- both of which turned out not to be my responsibility -- he had no reason to doubt my saying that I disputed this one in the same manner.
Important to note -- PRA claims that this is the first communication they have had with me. As such, this communication triggered the five day notice requirement found in 15 U.S. Code 1692g. This notice was never sent to me.
I had heard nothing from PRA, aside from them noting on my credit reports that the account has been disputed by consumer. So, I called PRA back on XX/XX/XXXX, to check into the status of my dispute. The first agent I spoke with called me a liar and said that the supervisor I had spoken with on the last call had no idea what he was talking about. Sick and tired of the bullying attitude and dishonesty, I asked to be transferred to a supervisor, I believe her name was XXXX. XXXX informed me that PRA puts an internal time frame on answering disputes, and because XX/XX/XXXX had not arrived yet, even though she claimed my dispute investigation was complete, PRA had not yet sent me the results of that investigation. She claimed she could see it all in front of her. But for whatever reason, I was not notified and nothing had been sent to me.
I filed a complaint with the XXXX. PRA responded by telling the XXXX that the investigation results were mailed out to me on XX/XX/XXXX. Now, nine days later, I have not received anything. I've sent mail clear across the country last week and it arrived, in multiple cases, within 3-4 days. But mail going a much shorter distance still has not arrived after 9 days? I'm not buying this.
Incidentally, PRA is still under a CFPB consent order, entered into in XX/XX/XXXX, which was put in place to address the abusive and illegal practices that this debt collection firm uses. Apparently, despite that consent order, little has changed at PRA.
PRA has violated FDCPA in numerous ways -- -- attempting to collect a disputed debt without honoring the dispute -- behavior which has the natural consequence of harassing, abusing or annoying the consumer -- failing to provide the required 5 day notice of rights to the consumer after initial communication -- reporting a disputed and unsubstantiated debt on a consumer 's credit reports I have suffered actual harm due directly to PRA 's actions, in the form of denial of credit and increased costs of credit. Apparently the {$8.00} XXXX penalty PRA was ordered to pay was not enough.
This started simply enough, I disputed an account that even the supposed original creditor told me they knew nothing about. In fact, we have been customers of that same original creditor in good standing since before this alleged account supposedly originated. We still are to this day. PRA needs to follow the law and stop playing games that cost people money for no good reason.
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| 03/09/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XX/XX/2021 PORTFOLIO RECOVERY A XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX XXXXXXXXXXXXXXXXXX ( {$390.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX XXXX.
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| 10/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Back in XX/XX/XXXX, I received a collection notice / settlement offer from XXXX XXXX XXXX. I had not spoken to them or had any kind of arrangement with them at all prior to receiving this notice. It was such a good deal however, that I felt obligated to communicate with them because I was hoping to be able to take advantage of the deal. The settlement was being offered on a judgment obtained by Portfolio Recovery Associates. The balance amount was {$3800.00} yet XXXX XXXX XXXX offered a settlement amount of {$1200.00}.
Again, this was such a good deal that I was almost obligated to call them and try and take advantage of this offer. Unfortunately, this letter came at a time when I was on XXXX due to a work injury and therefore I wasn't working. When I called XXXX XXXX XXXX, I explained this to them. They were fully aware of my situation. I asked XXXX XXXX XXXX if there was any way I could extend this offer until I got back to work and they only decided to leave it open until XX/XX/XXXX. I was not able to obtain the funds necessary to settle this deal at that point in time due to the fact that I was never aware this deal would be offered and therefore not in a position to simply disburse {$1200.00}, and also because I was injured and my income was low at the moment.
Recently I have saved up about {$1500.00} to offer XXXX XXXX XXXX and they refuse to take it. They are saying they now want {$3200.00}! I understand that I didn't meet their set deadline but I believe it is unfair that they should offer me a settlement offer for such a limited time without any agreement, communication, or prior acknowledgment on my part and not want to honor it literally 1 month and 11 days later. More so that they knew the situation I was in and for me to come up with their money in such a short time would be impossible for me. Because I was so upset about it I called for some assistance from a professional and even he couldn't get through to XXXX XXXX XXXX. I had to get on a 3 way conference call with him because they kept saying for days they didn't see any power of attorney on file even though he had sent it. When he finally spoke to someone by the name of XXXX XXXX, he couldn't get through either.
In the conversation my representative was attempting to be reasonable by explaining the situation such as this was such a short time after their offer that he couldn't understand why they wouldn't take the {$1500.00} considering it was even higher than what they had asked for. He explained how I have tried hard to raise the money and I only just acquired it. He explained how he's never seen anything like this before and it felt like they were pulling a bait and switch or just being vindictive and the collector didn't care. The collector said he was unable to take {$1500.00}. My representative explained to the collector that he in fact could accept {$1500.00} as they had already accepted {$1200.00} just 1 month and 11 days earlier but that he was simply choosing not to. He even implored the collector to ask if his superiors or his client would accept it but the collector was refusing to until my representative asked multiple times. The collector got off the line for a bit but I am unsure if he actually did go ask for the {$1500.00}.
I understand that they aren't " obligated to renew an offer, '' but I believe this is so messed up and I am both hurt and saddened that they simply refuse to accept {$1500.00} when it's even more than what they offered me such a short time ago. Is it wrong for them to extend their offer literally just a month and 11 days later? Are they that thirsty for blood so to speak that they won't extend a hand to someone who just go back to work? Please help me as I am trying really hard to take care of this and I've done everything I could to try and save the money that they asked for.
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Portfolio Recovery Associate is reporting false information on my credit report. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you.
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| 03/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : Collection accountS : XXXX ( {$450.00} ) ; XXXX ( {$340.00} ) ; XXXX ( {$680.00} ) ; XXXX ( {$440.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove these accounts from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 03/06/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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In XX/XX/XXXX my husband and I unfortunately were forced into bankruptcy after he had lost his job. All debts to my knowledge were discharged. I had a home business for which I was given a credit card and as I was the sole owner and the card was in my name I was able to add it as well to the bankruptcy. The card was with XXXX XXXX.
Unfortunately, in many cases if a company has already turned it over to collections they are not always notified by the bankruptcy court as it goes directly to the company. Two years later apparently XXXX XXXX purchased XXXX XXXX XXXX accounts. My account had apparently not been closed so it was one of those they purchased. I was issued a new number and bill. I explained that this was discharged, but they didn't want to hear it, so eventually they sold it to a collection agency Portfolio Recovery Associates. After several months they sent me a letter trying to collect the debt. I tried to explain the same thing to them, but got nowhere so again I just ignored the bill. At some point it was sent to the credit bureau and that's when I saw it while trying to purchase a new home. The Lender I was dealing with suggested I bite the bullet and just pay them off to clear up my credit, so I paid them hoping as they promised they would remove it from my credit, but they lied and never did. Said they couldn't. When we actually found a new home to purchase we went with another lender who questioned the debt. I told him my story and he said, I shouldn't have let them intimidate me and I was foolish to have paid them. So feeling I had the right to dispute it, I wrote to them and the credit bureau who did an investigation, but that got me nowhere so I just gave up and decided what was done was done no sense in trying anything further.
However, the next thing I know I get this letter from these people asking for my payment again. When I called to ask why I was being charged, they claim that I was issued a refund by them in XX/XX/XXXX, because it was disputed with the credit bureau, of which I have never heard of any collection agency doing in my life. I told them I didn't get any such check, but the women said I was lying and that I needed to pay it back and she would be glad to take the full payment while on the phone with me. I told her she was crazy and that I hadn't received any so called check and there was no way I was going to pay twice for the same bill. Next thing I know she suddenly says that they did get the check back in XX/XX/XXXX. I found the whole conversation bizarre. Then she asked me if I wanted to apply the check back to the account of which I told her sure, do whatever you want with your check and leave me alone.
Yesterday XX/XX/XXXX, I got another bill from them with the same thing happening. They claim that they were sending me a new check and I needed to pay them back with it, but if I wanted to I could pay before they sent me the check and this would reimburse me once I got it. I told this woman did she think I was some kind of an XXXX to fall for that load of XXXX, making me pay again without ever seeing this so called bogus check they keep telling me I'm getting. When I asked her like I asked the last lady why would they be sending me my money back when the dispute was considered in their favor and she said it's because I asked for my money back, something I told her that I've never heard of any collection agency doing in my life. I then called the credit bureau " XXXX '' and told them my story, and they too said it sounded like a scam that they've never heard of any collection company refunding a paid debt unless they knew they did it illegally and even then good luck. This company is obviously running some kind of scam to try and collect on the same debt using the check scenario as a ploy. They need to be investigated for fraud.
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| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have been trying to get them to do their job since XXXX I want proof that I owed them anything and they have XXXX XXXX around and not investigate this complaint seriously " Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. '' I asked for copies, of Name, DOB, SSN, etc to prove I'm the one they owed them money I know I don't I sent this to your office and got no response but the same oh pre-written letter of XXXX, I'm tired of this XXXX really someone needs to do there XXXX job.
XX/XX/XXXX Portfolio Recovery Associates, LLC DEPT XXXX XXXX XXXX XXXX CA XXXX *****SENT VIA CERTIFIED MAIL***** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm nor deny this purported debt. You claim I owe your company [ $ ] XXXX This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of this request for validation to the XXXXhree national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Sincerely, XXXX XXXX XXXX Mail Address XXXX XXXX XXXX XXXX, TEXAS XXXX
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| 10/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX {$360.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is my second complaint regarding these accounts within the same month.
My complaint began after settling two accounts with PRA. Both accounts were settled for less than the full balance, but due to the settlement, nothing further was owed on either. PRA updated my credit reports to show that the payments were made to the respective accounts, but each account was reported as opened with the remaining balance owed. I called PRA back ( both calls recorded and transcripts attached ). I was advised on the first call that the reporting would show balances owed because I settled for less than the full amount but that I did not owe anything else. This is clearly against the rules but I was getting nowhere with the representative and I ended the call. I filed my initial CFPB compliant that day.
PRA responded to my complaint essentially saying they did nothing wrong. All the while my credit reports changed again with PRA saying the accounts were closed with {$0.00} balances. Someone at PRA had to change my reports again, so that shows their admission of knowledge ( see attached credit report copies ). I emailed the PRA ombudsman about my experience with this terrible company on XX/XX/2018. As of today, XX/XX/2018, I have not received a response from that office.
I received a notification from XXXX app today that PRA updated my accounts again. This time they are both open with full balances owed. This is clearly PRA giving me a hard time for all the complaints and disputes, and for contacting their ombudsman. PRA has a well documented history of this sort of behavior and I will not have it. Over the last month, PRA has reported : 1. Balance changed to reflect payments made to accounts but accounts were still reported as open with balances owed even though they were settled in full. ( XX/XX/XXXX ) 2. Accounts reported {$0.00} balances and closed after my dispute ( XX/XX/XXXX ) 3. Accounts reported as opened again but with XXXX balances ( XX/XX/XXXX ) 4. Accounts reported as closed with {$0.00} balances ( XX/XX/XXXX ) 5. Accounts reported as open again with full balances owed. (XX/XX/XXXX/current ) This is across all three credit reports. This must stop immediately. It seems they are punishing me for exercising my right to dispute and complain about their practices. Since PRA can't be trusted to report these accounts, they need to remove them so I don't have to keep doing this. I am at the end of my tether with these people at PRA. I hate to throw this phrase out as it's done so often by people in these situations, but I have spoken with a noted XXXX based consumer rights attorney that has prevailed against PRA many times. He is excited about the prospect of assisting me in this matter and I am prepared to escalate this however far PRA would like. Aside from being in a gross violation of the FCRA, PRA 's vindictiveness in these matters is well documented with the XXXX XXXX XXXX as well as here on the CFPB site.
My history of contact with PRA is as follows : 1. Late XX/XX/2018 - called to pay off accounts 2. Early XX/XX/2018 - called after I saw they were still reporting accounts as opened. Recorded both calls ( transcripts attached ). Was told they would continue to report accounts with balances and opened because I " settled for less '' but they were " paid in full '' and I did " not owe on them. '' 3. Disputed reports with PRA, credit agencies, and CFPB 4. PRA said they did nothing wrong 5. XX/XX/XXXX XXXX Emailed PRA ombudsman 6. XXXX XXXX current dispute Attachment breakdown : 1. Screen shots of accounts from credit reports ( XXXX XXXX ). Five total 2. Letters from PRA stating settlement for accounts. Two total 3. Transcripts of my calls to PRA. Two total. Audio can be provided upon request but system would not accept audio file for upload.
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| 03/30/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XX/XX/XXXX - Sent letter to Portfolio Recovery disputing 2 accounts. Sent via certified return receipt mail. Portfolio Signed for service on XX/XX/XXXX XX/XX/XXXX - Received letter from Portfolio Recovery, No validation material per my request for proof bearing my signature.
XX/XX/XXXX - Sent second letter again disputing the account and required proof, bearing my signature. Sent via certified return receipt mail.
XX/XX/XXXX - Credit report shows 1 of the accounts disputed but not the other Balance shows {$2500.00} XX/XX/XXXX - Sent Third letter indicating that they had again failed to provide me with viable proof bearing my signature that this account was mine. Sent via certified return receipt mail.
XX/XX/XXXX - Copy of my credit report shows that both accounts are now marked in dispute.
XX/XX/XXXX - Portfolio signs for service of certified return receipt letter XX/XX/XXXX - Portfolio transfers my accounts to debts, marks them past due and then Flags my accounts as collection items to re-age them XX/XX/XXXX - Portfolio sends response letter however again they fail to provide any solid evidence ( no proof bearing my signature so that I could validate the account ).
XX/XX/XXXX - Portfolio removes the account from my credit report which is then placed back on my report without providing me written notice within 5 days.
XX/XX/XXXX - Portfolio transfers my accounts to debts, marks them past due and then Flags my accounts as collection items to re-age them XX/XX/XXXX - Portfolio - Portfolio removes the account from my credit report which is then placed back on my report without providing me written notice within 5 days.
XX/XX/XXXX - Showing account portfolio has been playing volleyball with all over my report is again back on my credit report. Balance now shows {$2400.00} XX/XX/XXXX - Copy of my credit report. Notice that the balance is now {$2300.00} XX/XX/XXXX - Copy of my credit report. XXXX shows that Portfolio Recovery is showing a balance of {$2100.00}, but it is also showing this as past due balance with terms of 1 month. It indicates that the monthly payment is {$0.00} and that the account is seriously past due and flagging the account as negative, same indications for the other account that was in dispute, not there is no dispute statement. XXXX shows the balance as {$2400.00} with a Past due of {$2400.00}, that the account is in collections, {$0.00} monthly payment and no terms however it is showing payments. Other account in dispute also shows no statement of dispute. XXXX shows the balance as {$2100.00}, not past due, but no monthly payment, just that this is a collection account with 24 months of no payment history.
XX/XX/XXXX - A print up from my bank account showing that every single month for almost the last 24 months ( as of XX/XX/XXXX ) Portfolio Recovery has been taking a payment of {$29.00} per an agreement that was to update my credit reports. As you see the credit reports I have supplied also support the fact that there are actually payments being received toward this account.
Portfolio recovery has broken the following laws : They failed to notify me initially of the account being placed with them so I could validate the account.
They have re-aged my credit report every single month They have reported inaccurate information and they KNEW it to be inaccurate information that they continued to report even after I submitted a dispute.
They have failed to mark my credit report as in dispute within the 30 days allotted after my dispute.
Due to all of these reporting errors and bad practices I formally request that these items be permanently removed from my credit report. Portfolio Recovery thinks they are above the law and can do anything they want and get away with anything they want. This is very shady & its illegal
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| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).
I am a consumer as that term is defined by the FDCPA and RFDCPA.
Portfolio Recovery Associates is a debt collector as that term is defined by 15 USC 1692a ( 6 ).
Portfolio Recovery Associates is a debt buyer based in the XXXXXXXX XXXX XXXXXXXX, XXXX of Virginia.
I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of your company ( Portfolio Recovery Associates, LLC ) pursu
ant to 15 USC 1692a ( e ) and make you aware that you have invaded my individual privacy under 15 USC 1692a.
Within the last year, Portfolio Recovery Associates attempted to collect an alleged consumer debt from me.
On or around XX/XX/2021, Portfolio Recovery Associates created and mailed a letter ( Exhibit A ) stating that I owe a debt to my abode.
Portfolio Recovery Associates never obtained my direct consent to contact me or communicate with me at any time, but I received their communication via mail, which is a violation of 15 USC 1692c ( a ).
Portfolio Recovery Associates committed identity theft as defined by the FCRA, 15 USC 1681a ( q ) ( 3 ), when they acquired and used my identifying information without my direct consent to mail me Exhibit A.
Portfolio Recovery Associates violated 15 USC 1692c ( a ) ( 1 ) by sending Exhibit A at an unusual and inconvenient time.
Portfolio Recovery Associates violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when Portfolio Recovery Associates used their logo in the contents of Exhibit A.
Portfolio Recovery Associates violated 15 USC 1692d of the FDCPA by engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, when Portfolio Recovery Associates stated that their company works with people to resolve their debts. We would love to do the same for YOU.
Portfolio Recovery Associates violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Portfolio Recovery Associates demanded immediate payment from me.
Portfolio Recovery Associates violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Portfolio Recovery Associates falsely represented the alleged debt, when Portfolio Recovery Associates stated that I have a positive balance of {$630.00}.
Portfolio Recovery Associates violated 15 USC 1692g ( a ) of the FDCPA by failing to send me a written notice that contained all 5 of the requirements under 15 USC 1692g ( a ) ( 1-5 ).
On XXXX XXXX XXXX, I received Exhibit B-G in the mail from Portfolio Recovery Associates.
Portfolio Recovery Associates violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when the contents of the communication from Portfolio Recovery Associates contained the Capital One symbol.
Portfolio Recovery Associates violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when Portfolio Recovery Associates engaged in the foregoing conduct.
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| 05/03/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : AccountS # XXXX {$710.00} ; XXXX {$340.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 03/20/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Please be advised that I already sent them TWO WRITTEN LETTERS asking them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. I know that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. However, they did not provide me any documents that they used to verify these accounts? What is the name of the person in the company who verified these accounts? What documents did they use to verify them? I would like them to provide me with the name of that individual, their business address, and telephone number.
XXXX XXXX Dictionary, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that PORTFOLIO RECOVERY ASSOCIATES must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
PORTFOLIO RECOVERY ASSOCIATES ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - they 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 for " negligent noncompliance '' ( Section 617 ) if they fail to comply with this 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.
PORTFOLIO RECOVER ASSOCIATES Account Number XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to them Complete accounting of alleged debt.
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| 12/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with Portfolio Recovery. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
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| 12/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with Portfolio Recovery. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
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| 12/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with Portfolio Recovery. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
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| 08/23/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX : ( Eastern United States ) XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX : ( Western United States ) XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX XXXX, XXXX XXXX Date : Portfolio Recovery Associates , LLC RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am continually being contacted your firm over an alleged debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XXXX. The State of Limitations on this alleged debt, even should it be ours, is X years in the state of ( your state ). Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could p
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| 04/08/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX, SC XXXXPortfolio Recovery Associates, LLCXXXX XXXX XXXX XXXX XXXX, VA XXXX : XXXX XXXXTo Whom It May Concern : I have attempted on multiple occasions to contact your company via XXXX yet you have failed to respond. At this time I feel it is necessary to file this complaint and advise you of the following. Due to your company violating FCRA ( Title 15 United States Code Section XX/XX/XXXX ), FDCPA ( 5 U.S.C. XX/XX/XXXX -XX/XX/XXXXp ), UDAPP XXXX and South Carolina 's Third Party Disclosure law this letter will serve as my Notice Of Intent to File Suit. Pursuant to South Carolina Code Annotated, Title 22, ChXXXX XXXX Article XXXX, Sections XXXX ; Title XXXX, Ch. XXXX, Article XXXX, Sections XXXX ; Title XXXX, Ch. XXXX, Sections XXXX ; XXXX XXXX, Ch. XXXX, Article XXXX, Section XXXX ; Administrative and Procedural Rules for Magistrate 's Court, Rules XXXX. I will be filing suit in South Carolina XXXX XXXX Court in the amount of {$10000.00} that is to include Statutory and Actual damages incurred by myself as a result of increased APR 's as well as out right denial of credit. As we both know companies tend to wait until the suit is filed and wait until the last day before their answer is due to the court to offer settlement. I will advise you once the case is filed I will not even entertain an offer for settlement. I have already spoke with a law firm and advised them of the situation and if an agreement for settlement is not reached between myself and your company XXXX calendar days from today he will be retained and take over the case in its entirety. But he will hold no settlement authority due to the disrespect your company displayed when ignoring documentation and request for validation of this fraudulent account.
Your company began calling my husband not myself in reference to XXXX XXXX accounts. These account were opened fraudulently and I had notified the original creditor as soon as I had seen them listed on my credit. Apparently they must have received the Fraud Affidavit and Dispute after selling it to your company. Never the less your company without mailing any documentation attempted to collect on this debt. FDCPA requires mailed documentation within XXXX business days which to this day has still not been done. Then without my permission your company contacted and disclosed this debt to my husband. Since he works for a XXXX and does XXXX for a living he requested to speak with the compliance officer on XXXX occasions he was hung up on or given an attitude. Never was he allowed to speak with her. Now even after mailing the request for Validation of Debt and my letter of dispute for the XXXX time back on XX/XX/XXXX I have still have not received any response or correspondence. Yet, the account is still being listed on my credit as a derogatory account thus violating FCRA and FDCPA.
What I am proposing as an agreeable settlement would be your company immediately updates all three credit bureaus to remove this charge off account as well as any associated inquiries and pays me {$5000.00} payment to settle any and all violations. Payment must be made to myself at the address listed above on or before XX/XX/XXXX. Considering the cost of hiring representation in South Carolina plus the cost you would incur for my court cost and attorneys fees I believe that is a fair offer. Once a settlement is agreed to I would be willing to sign a " Release of all claims ''. As far as contacting me in reference to this offer for resolution I am giving you permission to speak with my husband XXXX XXXX at XXXX he can also be reached by email at XXXXXXXXXXXX. If an agreement is not reached on or before XX/XX/XXXX we will move forward with the legal proceedings.
Thank you for your prompt attention to this matter, XXXX XXXX
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| 09/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern, I am responding to your contact about a debt you are trying to collect. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
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| 07/16/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Accounts # {$2400.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 06/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Account # XXXX, XXXX, XXXX Portfolio Recovery Associates : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with ALL NOT PART OF THE DOCUMENTATION THAT I HAVE REQUESTED BELOW. Showing evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository, duplicate accounts that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION PLEASE PROVIDE ALL OF THE FOLLOWING : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Portfolio Recovery Associates in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards, XXXX XXXX cc Federal Trade Commission
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| 11/14/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is in response to a letter received on XXXX XXXX XXXX. The company has not provided verification of the debt. I have received letters saying they need additional information to assist. I request VALIDATION.
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Portfolio Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnishers of information to credit agencies ) is a financial institution by definition under the title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of Information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX, XXXX do not have my written consent. In addition, I the consumer have protection under the following 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681o-Civil Liability for negligent noncompliance 15 U.S. Code 1681n-Civil Liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the CONSUMER as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least {$1000.00} PER VIOLTION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. If you have to file more than 1 complaint of the violations after you complained the 1st time.
The above Fair Credit Reporting Act is just a small fraction of the violations against I the consumer. All the violations above are currently on my credit report and have not been removed to date. I am requesting enforcement of these violations. I have sustained emotional distress, anxiety, and a considerable amount of stress due to the negligence of the reporting agencies XXXX XXXX and XXXX. I have also suffered significant financial lost due to the continued violations of my rights under the FCRA after informing in writing certified return receipt XXXX, XXXX, and XXXX of these violations. They are still reporting these inaccuracies.
On XX/XX/XXXX three dispute letters requesting removal of incorrect reporting information was sent out via US Postal Service Certified Mail Receipt to XXXX which I will attach.
In addition dispute letters was sent to XXXX XXXX XXXX on XXXX, Portfolio Recovery on XXXX, and XXXX XXXX XXXX XXXX on XXXX. These companies are in violation of my rights listed above. These item are presently still reporting to XXXX. I demand they be removed. I also demand under 15 US Code 1681 compensation for will full non compliance {$1000.00} for each violation in addition to {$1000.00} for all damages I have sustained as a result of their failure to follow the law. I have enclosed a invoice with all violations and compensation required. I appreciate your help in this matter and would like this resolved as soon as possible. The willfull act of the parties above caused severe stress and financial lost that is still consistent present day.
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| 04/21/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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On XXXX/XXXX/2016 XXXX XXXX ( XXXX ) Appeared in XXXX XXXX XXXX XXXX to represent Portfolio Recovery Associates , LLC on Docket # XXXX. He identified himself to my husband as a Per Diem Lawyer hired by XXXX XXXX XXXX, XXXX. a Debt Collection Firm registered in the state of Maine.
When shown a copy of the consent order ( XXXX ) between Portfolio Recovery Associates , LLC and the Consumer Financial Protection Bureau, and was asked if he was aware of it, he said " That does n't apply in Maine, because we are not governed by the FDCPA here ''.
I was not able to get time off of work to attend the court hearing and the Judge would not accept my written statement or any evidence that was offered by my husband on my behalf. A default judgement was entered, because the plaintiff was represented by an attorney that appeared to have no knowledge of the complaint, evidence or facts of my case or any of the more than a dozen other cases he appeared for. When asked specific questions by the judge and other defendants, his response was always, " I do n't know, I will have to check ''. In one case, the case was continued for 90 days to allow paperwork to be gathered. He turned to the Defendant and asked, " Do you have the paperwork for us today? ". The Defendant 's answer was, " No, I requested copies of past statements, and your client has not provided them yet. '' I have attached copies of the court documents and a copy of a statement from the Credit Account in question that clearly shows an inaccuracy in the affidavit provided to the court.
Item 2 of the affidavit indicates he has reviewed the business records of the Original Creditor, XXXX and those records transferred to XXXX ( XXXX ) from XXXX XXXX XXXX, XXXX, which have become a part of and have integrated into Account Assignee 's business records, in the ordinary course of business.
Item 4 indicates that the original account number ended in XXXX. The attached statement from the account shows clearly that the XXXX account ended in XXXX, not XXXX.
If the individual making the affidavit had reviewed XXXX records as indicated in Item 2, he would know the correct account number.
The Affidavit makes no indication of the date of last payment or consumer initiated activity on the account.
The Bill of Sale and Assignment of Loans provided to the court appears to have been altered ( section A has a full line that appears to have been whited out ). In section A, it also disclaims any warranty on the accounts transferred.
The Bill of Sale and assignment of Loans makes no reference to the specific accounts transferred, and therefore provides no proof of transfer of the account in question, and in fact is printed on letterhead of a company not even mentioned in the Affidavit.
A single page is included with the alleged account information that has no indication that it is a part of any Bill of Sale and no other means of indicating its authenticity. I suspect it was included to attempt to prove the last payment date, but fails because of its lack of authentication of origin. This page is not mentioned in the Affidavit or the Bill of Sale.
The copy of a statement included has no indication of the date of last payment and shows no actual use of the account by the consumer. It also shows the Creditor as XXXX XXXX XXXX, not XXXX or XXXX XXXX XXXX as referenced in the Complaint and Affidavit. A terms page included between two statement pages indicates XXXX but neither of the other companies, and shows nothing to indicate that it belongs with the other statement pages.
No signed contract or statement showing actual use of the account was provided.
To recap, XXXX has filed this suit and obtained a default judgement using many of the tactics barred by the Consent Order.
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| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent XXXX, XXXX, XXXX, and Portfolio Recovery a validation of debt according to XXXX, I have already filed a complaint with CFPB on XX/XX/22 and sent letters requesting this debt buyer to validate all 8 of the accounts under my name. Portfolio only sent me statements and also a letter showing that they have purchased the charged off debt. I have proof of all statements that and letters that portfolio sent, but I can not attach to this website.
I have submitted the law stating that Portfolio Recovery have no legal rights to report any debt on my credit report per CFPB subpart 2 regulation F 1006.34 ( b ) ( 2 ) ( i ) : 1006.34 Notice for validation of debts.
( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ).
1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also, a creditor.
Per your law that you have written and stated on your website, Portfolio has not validated any of the alleged debt according to section 1006.34 ( b ) ( 2 ) ( i ). This company is also reporting inaccurate payments on my XXXX report, and I have pointed this information out to all XXXX of the credit reporting agencies, that fail to correct this ongoing issue. These companies and CRA 's are not following your rules and laws that have been put in place to protect the consumer! Why have laws, if you are not going to reinforce what you have in place? It's your law CFPB, why is it so hard for the consumer to win or get anything removed deleted if the Credit Reporting Agencies do not follow the laws?
THE FAIR CREDIT REPORTING ACT Public Law 91-508 & Amendments Title VI : Provisions relating to credit reporting agencies 601. Short title This title may be cited as the Fair Credit Reporting Act.
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress
makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
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| 03/28/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORFOLIO RECOVERY A.
XXXX XXXX XXXX, XXXX, VA XXXX XXXX : Collection account : XXXX {$550.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
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| 01/10/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American |
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The Problem : I have an existing equity loan ( interest only ) with XXXX XXXX in XXXX MA which will roll over to a 15-year repayment loan on XX/XX/XXXX. However, there is an obstacle to that roll over due to an improperly placed lien on my property. I say improperly placed because I have a Declaration of Homestead.
In a pamphlet written by XXXX XXXX, our Secretary of the Commonwealth, states : The real property or manufactured home which serves as an individuals principal residence upon filing a declaration of homestead shall be protected. It goes on to say The declared estate of homestead shall protect against attachment, seizure, execution on judgment, levy or sale for the payment of debts to the extent of XXXX XXXX XXXX XXXX ( {$500000.00} ) per residence, per family. ( I will attach that document ).
The debt amount is {$6500.00} which I am unable to pay at this time but sincerely wish that I could. I have had an excellent credit history up until 3 years ago ( and I am XXXX, so it was good for many years ). In fact, my credit was so good that it meant a lot of credit was available to me. Unfortunately, business and living expenses were high and it finally reached a point where I could no longer keep up with it. My intention is to repay it all when I am able to do so.
The result is that I now have a limited income, consisting of social security and approximately {$300.00} per week delivering meals at lunch and dinner. My age is against me for getting a substantial job but deliveries help to keep up with living expenses. I will also be launching a business of my own in the very near future. This limited income at the moment has put me into a protected category as far as debt collection goes which is called judgment proof.
The lien mentioned above is the result of a debt with XXXX XXXX ( a Bank ). The collections business is a mystery to me but Im learning. It appears there is the Bank, and then with nonpayment of the debt, the Bank sells the debt to a debt buyer. The debt buyer then involves another company to actually collect the debt. The debt buyer in this case is XXXX XXXX XXXX XXXX ( telephone is XXXX ).
The company hired by Portfolio to collect the debt was XXXX, XXXX XXXX XXXX of XXXX, MA and this is where the problem arises. My only dealings were with this company. They were very difficult to work with as far as calls, threats of court, etc. I eventually signed a judgment for two reasons 1 ) because I owed it and 2 ) I was promised in no uncertain terms that once I agreed to a settlement ( a judgment ), I would no longer be harassed and that I would not hear from then again until I was able to enter into a payment plan. Sounded good to me and I signed in XX/XX/2018. In XX/XX/2018, an armed sheriff appeared at my door and presented me with a seizure of my property.
I immediately called the Attorney General of Massachusetts because I just knew this wasnt right. And this is where I learned that XXXX, XXXX XXXX XXXX had to pay the Attorney General {$XXXX} XXXX dollars and change its practices for the abusive handling of debt of thousands of consumers. One of the practices it was to change was the use of the court system to intimidate consumers. However, they certainly used the court system to issue me with a judgment and delivered by a sheriff.
And the reason for this complaint is that last week, XXXX XXXX and XXXX filed for bankruptcy and went out of business. This was told to me by the Attorney Generals office who also said that collection of this debt would now revert back to Portfolio Recovery Associates and that I needed to contact them to have the lien removed. I have tried calling but continue to be put on hold for 30 minutes at a time until Im forced to give up.
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| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : Be advised that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
XXXX that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow XXXX days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX Federal Trade Commission
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| 10/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I called in on XX/XX/XXXX at XXXX XXXX and spoke with representative from disputes department and then to the manager on duty ( # XXXX? ) about the 3 dispute letters Ive sent them ( all 3 were sent certified/priority signature confirmation so I know they received them ) regarding how they are in violation of federal law and the FCRA ( section 609 ) about reporting these accounts without providing me with the original signed contract at my request. The manager told me ( on XX/XX/XXXX ) they never even asked and requested the original contract for either of my 2 accounts meaning they never even read my dispute letters! They are clearly in violation and STILL refuse to delete my 2 accounts. This is complete negligence on Portfolio recoverys behalf and I fully intend on suing them if they wont delete these 2 accounts after this 4th dispute letter Im sending them today!
It has now been over 40 days since portfolio received and signed for my FIRST dispute YET are not complying with the federal law and the FCRA on having a original signed contract on file to show at the consumers ( me ) request. The only thing theyve sent me is round-about answers saying its verified and a copy of a COPY of a statement that was supposedly mine from XX/XX/XXXX and an address I never lived at! Thus, since they cant comply with my request they should in return delete these 2 accounts once again in compliance with the federal law!
Also, have been lied too from portfolio Recovery Associates because, I sent my dispute to Virginia and they sent me replys from a XXXX XXXX in California and when I asked why, the representative I talked too said they come from XXXX, VA yet Im receiving correspondence from them supposedly in California, something isnt adding up!!
The 2 original creditors for these 2 collection accounts arent even on my credit report to begin with! ( I sent them a copy of my last report in the 4th dispute ) so how can portfolio continue on reporting these 2 unverified accounts when the original creditor that they apparently bought these accounts from still being reported???
Nothing ever adds up with this so-called collection company and I have been trying for months and months now to get answers but am constantly blown off, laughed at, and left even more confused on the status of my 2 disputed accounts after talking on the phone with these people? How is that possible?
I have no been dealing with this company for years! Being harassed by them and dealing with there unwillingness to ever comply with me the consumer, its absolutely ridiculous! They only comply if its in there interest but as a consumer and my right of requesting documentation under the federal law and FCRA they refuse to comply by deleting my 2 accounts that they dont have proper verification for ( original signed contract ).
I have never filed a complaint wth the BBB and CFPB before but I will make sure I go out of my way in seeking litigation against this company for there malpractices and inappropriate willingness to comply with a consumer.
I am tired of sitting back and being laughed at by this company when asking them for a simple demand of either providing me with my original signed contract or if they cant provide it ( which clearly they cant ) then delete these 2 collection accounts and I wont have to take this to Court!
I am now sending out my FOURTH dispute letter today ( XX/XX/XXXX via USPS priority signature confirmation #? ) and if we cant get this dispute and matter resolved by having portfolio deleting this 2 unverified accounts to ALL THREE credit bureaus then I fully intend of filing a lawsuit for in-compliance on there part.
Portfolio has taken my simple consumer right that I have and turned it into a nightmare!
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| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment.
If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to XXXX XXXX XXXX XXXX : Treatment of inaccuracies/ unverifiable information.
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account.
Case law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ).
Original Creditor : XXXX XXXX XXXX Account Number : XXXX It has been more than five years of this harassment and defamation of my character. According 18-49-101. Limitation of actions. ( 2 ) If the payments are not noted on the margin of the record, then the debt shall become barred, as to third parties, after five ( 5 ) years from the maturity of the indebtedness or after five ( 5 ) years from the date of the last payment, if any, which may be noted on the margin of the record, thereby subjecting evidences of indebtedness secured by vendor 's lien to the same provisions and limitations provided by law in connection with evidences of indebtedness secured by mortgages or deeds of trust.
17-24-505. Harassment or abuse.
( a ) A debt collector may not engage in a conduct the natural consequence of which is to harass, oppress, or abuse a person in connection with the collection of a debt.
( b ) Without limiting the general application of subsection ( a ) of this section, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person ; ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ; ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. 1681a ( f ) or 15 U.S.C. 1681b ( 3 ), as they existed on January 1, 2009 ; ( 4 ) The advertisement for sale of a debt to coerce payment of the debt; ( 5 ) Causing a telephone to ring or engaging a person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass a person at the called number; or ( 6 ) Except as provided in 17-24-503, the placement of telephone calls without meaningful disclosure of the caller 's identity.
17-24-511. Furnishing certain deceptive forms.
( a ) It is unlawful to design, compile, and furnish a form knowing that the form would be used to create the false belief in a consumer that a person other than the creditor of the consumer is participating in the collection of or in an attempt to collect a debt the consumer allegedly owes the creditor, when in fact the person is not participating in collecting or attempting to collect the debt.
( b ) A person who violates this section is liable to the same extent and in the same manner as a debt collector is liable under 17-24-512 for failure to comply with this subchapter.
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| 03/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) PORTFOLIO RECOVERY ASSOC XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested.
Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.
Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act.
Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, then you must immediately inform them of my dispute with this debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation, XXXX XXXX ; XXXX All rights reserved
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| 10/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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As of XX/XX/XXXX I have had at least three interactions with your agency in attempts to resolve the issues with the account mentioned above ; in each interaction I have requested that this account be deleted from my credit report. XXXX XXXX response to a XXXX complaint on XX/XX/XXXX is the most recent interaction regarding the account above. In this response XXXX stated that Portfolio Recovery Associates ( PRA ) is not responsible for how information is reported by the credit reporting agency, that I was notified of the debt in accordance with the law, and that PRA validated the account in question. In addition XXXX referred to a judgement that was entered in the state of New Hampshire regarding the matter. I disagree with the stance that XXXX took and again, I am writing to demand that Portfolio Recovery delete any and all collection accounts associated with this account and remove this account from all credit reporting bureaus, as PRA and has willfully violated my rights under the Fair Debt Collection Practices Act.
XXXX stated that I received proper notification of the account. I in fact never received notification of this account and the first time I saw the account was when reviewing my credit report in XX/XX/XXXX when a judgement from PRA showed on the report. I disputed the account with the credit reporting agencies. Following my dispute with the CRA is when I got my FIRST written communication from PRF. Per my credit report, the account had already been on my report since XX/XX/XXXX. In your opinion is a year of negative reporting with no communication to the consumer proper notification based on consumer law? Is failing to give me notification of the debt and my rights to validate this debt an example of PRA practicing in accordance with FDCP?
More concerning than the negligence on the part of PRA in failing to notify me of the debt, is the willful attempt to collect the debt via the courts in a manner that is in violation of FDCP. In XX/XX/XXXX there was judgement on my credit report and I had never received proper service regarding a court case Sometime between XX/XX/XXXX and XX/XX/XXXX PRA filed a civil suit to collect on a debt in a state where I do not reside. PRA was fully aware that I did not reside in NH. Enclosed is a copy of my credit report dated XX/XX/XXXX which clearly shows my address as of XX/XX/XXXX being in New York State. PRA was fully aware of this as this same report shows that PRA pulled my credit report on XX/XX/XXXX and XX/XX/XXXX. Moreover PRAs response to my dispute was mailed to my New York address. As such, PRA can not claim ignorance to the fact that that I did not reside in NH at the time that they filed the suit. Kindly explain how filing a suit in a state that the consumer does not reside in is in accordance with the FDCP?
Per XXXX response there is judgement regarding this account. I have no judgements on my credit report. However, if XXXX claim is accurate, I demand that you rectify the matter and promptly dismiss the judgement through the court system. In XX/XX/XXXX I contacted the courts with proof of my residence, which led to the previous judgement being removed. Please see the enclosed copy of my appeal to the count and the judges response in favor of vacating the judgement. A copy of my request and attached proof of NY residence was sent to the team working on the case yet another point at which PRA was notified of my New York residence. If following receipt of my residence AND the judge agreeing that the judgement be vacated if after all that PRA continued to peruse the matter in a case where they clearly knew I did not reside, you can not continue to claim that PRA is not willful in its attempt to violate my consumer rights!
|
| 05/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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On XX/XX/XXXX I contacted ( or they contacted me ), Portfolio Recovery Associates to begin to settle a debt I had with a XXXX XXXX Card. I was told I could start with payments as low as $ XXXX/mo. When I agreed the individual I was talking did not set me up with the payment plan, he transferred me to another individual. She began asking me questions and said there is no way that she could do $ XXXX/mo it was going to have to be more. I began to tell her this is ridiculous its against the law to do this to people. Regardless, I reluctantly agreed to a payment amount of {$63.00} for 36 months. Significantly different than the {$25.00} for 36 months I believed I would be paying.
I made a payment that day over the phone and set up automatic payments. The payment came out in XX/XX/XXXX ; however, the balance still reflected near the $ XXXX on the account to begin with. It did not reflect the negotiated price, I waited until the following month ( XX/XX/XXXX ) to see if it was something that needed to be adjusted in the system to reflect the balance that is owed at the negotiated price.
I called on XX/XX/XXXX to explain my frustration over the fact that my statements did not reflect the negotiation and how it seemed odd to me they are collecting money from me with out telling what the balance was that I actually owed. I was told I would not receive this information until I had finished my payment arrangement with them. We went back and forth over how they expected someone to know how much money they are going to be paying over a designated time. I asked them to mail me an agreement of the settlement payments stating how much I was going to be paying over what duration of time. I explained how I wanted proof and how I was lied too the first time and I wanted proof we had an agreement and what it was incase they tried to pull something again, Needless to say this fruitless conversation ended with the individual I spoke with secondly ( I was transferred to the second person when the first person said she could not do that for me and I wanted to speak with her manager ) saying he would make sure he got out a letter stating to me that on XX/XX/XXXX I owed 33 remaining payments of {$63.00} and on XX/XX/XXXX I would owe 32 payments of {$63.00} and once these remaining payments were made my balance would be paid off. XX/XX/XXXX I called and explained I had not gotten my letter for my payments, the lady on the phone asked are these the payments for the settlement or the principal balance. I said, I am supposed to be in a settlement then asked, what have they been applied too? She informed me they were made towards the principal balance, and that I would have a remaining balance of the difference. I said go ahead and stop that payment for XX/XX/XXXX, I wont be making in. She said no problem give me a second to get that information entered. BAM! transferred to another person yet again. Who " promised to make this right, '' she would fix it, it was a mistake on how it was entered blah blah. I got her to stop trying and just cancel the payment. What could not be explained is, if it was an error, why wouldn't they have, Why didnt the other 3 individuals I spoke with catch it? Why couldn't they send me a letter to reflect my settlement balance amount or that I was in a settlement?
I have been victimized through bait and switch tactics twice, once the first time with the incorrect payment amount agreed too of $ XXXX/mo and the second time by not entering me into an settlement agreement which would have left me with a {$0.00} balance and placing me in one where I would owe nearly {$1000.00} by the end.
I am also greatly concerned this is common practice as it was never addressed by the others.
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| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am filing an additional complaint because in my previous complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX response and I never had any dealings with them because as explained, I was told that they were XXXX but the financial side, never told another company. I got login information directly from XXXX to access these accounts. I didn't learn that these were individual companies until I had problems trying to set up dates for vacation and the rep was going over the account and disclosed them.
The representative who was a part of the presentation explained that the XXXX XXXX was the financial part of XXXX, which was NOT true. They opened a line of credit with this company which is NOT XXXX and also a credit card which they told us was a XXXX XXXX XXXX which was also NOT true, it was also it's own company!
FCRA Affiliate Sharing Rule. clearly states 624. Affiliate sharing [ 15 U.S.C. 1681s-3 ] ( a ) Special Rule for Solicitation for Purposes of Marketing ( 1 ) Notice. Any person that receives from another person related to it by common ownership or affiliated by corporate control a communication of information that would be a consumer report, but for clauses ( i ), ( ii ), and ( iii ) of section 603 ( d ) ( 2 ) ( A ), may not use the information to make a solicitation for marketing purposes to a consumer about its products or services, unless ( A ) it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons for purposes of making such solicitations to the consumer ; and ( B ) the consumer is provided an opportunity and a simple method to prohibit the making of such solicitations to the consumer by such person.
I was NEVER given the opportunity to deny or decline these accounts which were apparently XXXX affiliates that they solicited to open these accounts. Everything had XXXX 's name on it that's why we didn't know any different. With the exception of XXXX XXXX, which again we were told was XXXX but the financial part of them. XXXX set up the accounts and gave us login information we never had to go to either company to do anything. This is why we had no idea all these accounts had been established.
The reason it shows that I was making payments is because I wasn't eligible to set up reservations until early XXXX for vacation. Certain areas allowed us to set up reservations no more than XXXX in advance. This is why we had to wait until the new year because the vacation would've taken place at the end of the year.
However, after learning the information of the multiple accounts not being disclosed and the way the reservations really worked, along with the problems trying to do the reservations, I ceased everything with XXXX because they were deceitful in their dealings. I dealt directly with the agent at XXXX with my concerns because all of my dealings were always with XXXX.
I ask that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the initial companies that provided information to the collections, provide the signed agreement that I entered with them to open these accounts. If they are not able to provide this information, I want every company connected to these accounts ( including the collection companies ) removed and permanently deleted from my credit and any other reporting or attempt to collect ceased.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( they did a cease and desist but states debt valid but never proved it ) Portfolio ( Collection ) XXXX XXXX Due to my previous complaint XXXX XXXX has removed their information from my credit report. However, they are still trying to pursue payment.
I have attached the Rewards Card to show that EVERYTHING said XXXX.
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| 03/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
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| 07/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding a collection account being reported by Portfolio Recovery Associates, LLC. The collection account in question is regarding a XXXX XXXX account. I have requested each of the three credit bureaus as well as Portfolio Recovery Associates, LLC to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to Portfolio Recovery Associates, LLC on XX/XX/XXXX also by certified mail. Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. Portfolio Recovery Associates, LLC only responds by sending copies of a ( one ) credit card statement, dated back in XXXX.
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of their letter dated approximately 3 years ago which is also attached for your review ) which states, This letter is to inform you that the above-referenced account was sold to Portfolio Recovery Associates, LLC on XX/XX/XXXX. If you have any questions about this account, please contact : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX.
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates, the first letter being sent on XX/XX/XXXX and the second letter being sent on XX/XX/XXXX mailed directly to Portfolio Recovery regarding the XXXX XXXX as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened this account and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, Portfolio Recovery Associates, LLC as well as the original creditor, XXXX XXXX.
I submitted a previous complaint to CFPB on XX/XX/XXXX, complaint # XXXX. Portfolio Recovery responded that they have no record of a request or dispute being received in relation to its initial notification letters. I have attached the letters along with a certified receipt showing that they have in fact received letters from me regarding this issue. A credit card statement does not constitute validating a debt. I have requested on numerous occasions that a contract that bears my signature be sent to me for my review which still has not been done to date, almost 11 months later which is ridiculous!!! Portfolio Recovery Associates states that XXXX XXXX has verified this debt, please forward the documentation provided by XXXX XXXX so I can review.
CFPB, please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. CFPB should be verifying that these collection companies are providing the appropriate documentation and reporting to the three credit bureaus appropriately ; otherwise, what is the purpose of filing a complaint? Consumers file these complaints as a last resort. If Portfolio Recovery and/or XXXX XXXX can not provide a contract bearing my signature, I will have no other option but to seek the advice of an attorney as I have exhausted all other efforts.
Thank you, XXXX XXXX
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| 04/25/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX, my vehicle broke down. It was my only source of transportation and I use it for my full time job at XXXX. I had checked my credit report earlier that year in XX/XX/XXXX and my credit was good, I had no collection accounts on my credit report, since I had dealt with them the previous year.
When I went to the Auto Dealership, thinking I had decent credit and would qualify for a low rate on an Auto Loan, they ran my credit through 10+ lenders and I was denied due to a debt collection account that appeared out of nowhere. I didn't receive a notification in writing from this company or a chance to validate. The Dealership said I would need to dispute this account with the credit bureaus.
I have tried everything, disputing with the credit bureaus, requesting validation and documents from PRA, the collector. This is causing me EXTREME hardship, to the point where I may become unemployed and homeless.
I need transportation for work and I am forced to rent a vehicle for {$1000.00} per week just to do my job, when I could have a $ XXXX/month car payment. This is costing me {$3700.00} per month in actual damages and expenses. This is causing hardship for me and my family and these companies blatantly violate the law with nobody holding them accountable.
On XX/XX/XXXX, I sent a dispute to XXXX, XXXX, XXXX and also requested validation from PRA.
On XX/XX/XXXX, I received notification that the account was verified with all 3 credit bureaus and PRA wrote back saying that I didn't send them enough information, they refused to investigate and validate.
On XX/XX/XXXX, I requested the Method of Verification that XXXX, XXXX and XXXX used to verify the account. I also challenged the accuracy of the debt and re-requested validation from PRA.
XX/XX/XXXX, I received notification from XXXX, XXXX and XXXX that the I didn't supply enough information for them to give me the method of verification they used ( they are required under the FCRA to show you the method they used to verify an account ). I'm now clear they are using the automated system and not doing an actual investigation.
XX/XX/XXXX, I received a notification from PRA saying that this was considered validated and they sent me a screenshot of a statement that didn't have any identifying information on it. They didn't send me any proof of the name, ssn, dob match. They didn't sent me any contract and they didn't send me any proof that the debt wasn't paid or settled with another collection agency. They never proved that they have ownership of this debt.
XX/XX/XXXX, I send a request to XXXX, XXXX and XXXX to do an actual investigation on this account to prove they followed compliance procedures, to prove the account wasn't previously paid to another collector and that PRA had ownership of this debt.
XX/XX/XXXX, I receive the same letters back from XXXX, XXXX and XXXX. They were form letters that didn't address my concerns, show any method of verification and they failed to show they did any investigation at all.
XX/XX/XXXX. I received a template letter from PRA sending the exact same screenshot of 1 statement from a credit card company that doesn't clearly identify me, or a debt that I owe. They haven't shown me any proof that they own this debt, that the debt wasn't paid to another collection agency and they haven't complied with any of my requests for a contract or actual validation of the debt.
I have sent them enough letters, wasted enough time. This has caused me thousands of dollars in actual damages and hardship. It's costing me {$3700.00} per month that PRA and the credit bureaus waste. I really need someone to help me, I'm experiencing extreme hardship.
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| 02/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/2021 XXXX A XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX XXXX : Account number XXXX {$2400.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus XXXX XXXX XXXX XXXX XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
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| 11/01/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently check my credit report due to me owning a business and looking for funding. I immediately noticed I had an account posting to my credit reports I never done any business with. I don't know where the account came from I never consent, nor agreed to pay this debt. I reached out to the company multiple time via certified mail but sadly I received no response. this account is fraudulent.
15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector15 U.S. Code 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor15 U.S. Code 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.15 U.S. Code XXXX ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
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| 07/27/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX Known as " PRA '' has been reporting inaccurate information on my credit reports that are clearly complete violation of the FCRA and FDCPA legislation. According to my credit reports PRA started reporting in early 2017. PRA is listing themselves as 'Original Creditor ' reporting a 'Factoring Company ' and that I have an 'open installment account ' with '1 month terms ' and a 'past due balance ' reporting on each credit report, i have never had any signed payment ageement or contract with PRA, this violates so many laws. Here are a few that I have found. That each time PRA reported as verified has violated.
1 ) PRA has violated 15 USC 1692e ( 2 ) ( A ) by falsely Representing themselves as an Original Creditor, PRA is not the original creditor and they are listing the account as an 'open ended account ' listed under installement loans with payment history and not under Collections on my credit reports.
2 ) In a previous complaint against PRA -CFPB Complaint number- " XXXX '' PRA has stated and i quote [ In response to your complaint, XXXX XXXX XXXXXXXX XXXX XXXX ( PRA ) investigated and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies in regard to the account. ]. Therefore PRA is Admittley and knowingley furnishing false and inaccurate information on my credit reports to the credit reporting agencies, PRA has violated 15 USC 1681s ( 2 ) by knowingly furnishing inaccurate information about a consumer to credit reporting agencies.
3 ) PRA has violated 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as open and installment on my credit reports.
4 ) PRA has violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by falsely representing themselves as a Creditor and reporting the account as an open and installment account on my credit reports and by calling themselves a Factoring Company.
5 ) PRA has violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as an 'open installment with payment terms of 1 month and a past due balance ' to deceive current and potential creditors and to negatively impact my credit scores.
7 ) PRA violated 15 USC 1692e ( 12 ) - labeling the account as 'Factoring Company ' account, PRA claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, as its shown on my attached Experian credit report resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. PRA are not innocent purchasers and not holders.
8 ) About the " installment '' notation on my credit reports. The definition of instalment is as follows : A revolving line of credit is know as an " Open-ended account where there is a possiblity on continuing transactions ''. An installment account implies a one time purchase or a sale of goods and or property where there is a written contract " deliniating terms and interest rate with fixed payments per an agreed to schedule. ( I ) have never signed any installment agreement with PRA, and there was none such with the purposed original creditor.
9 ) 16922f ( A ) debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Representing themselves as Orignial Creditor and the use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
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| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT To Whom It XXXX Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication.
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest
in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such a consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such a person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
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| 01/04/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have been contacted by Portfolio Recovery Associates LLC stating that they are the new owner of an account ending in XXXX. I have reached out to them by phone asking them to provide physical documentation of this debt, meaning a signed agreement between me and XXXX or XXXX XXXX XXXX. Instead they want to send me a letter saying they are the new owners. XXXX I never entered into any agreement of contract with Portfolio Recovery Associates. I gave them 30 days by law XX/XX/XXXX to produce the physical documents needed to verify this debt and to show this debt is mine. Their letter also states that HSN has in fact closed and charged off this debt, whatever that debt would be. I have also asked this company to produce valid proof that they even have the right to collect on this debt in the State of Colorado. They have ignored my request and have failed to respond to me in a timely fashion. They are saying that I owe a debt of {$400.00} if this is the case please produce a signed agreement showing that I entered into a legally binding contract with XXXX. I have called XXXX and they can not show anything on their end to support this company contacting me or stating that I owe a debt. As a 3rd party collection agency, meaning not the original creditor, this shows that Portfolio Recovery Associates LLC has apparently bought this debt for pennies on the dollar and are now trying to say that I owe this debt which in fact without proper physical documentation meaning a signature page of a contract I am afraid they are trying to say I owe a debt when in fact I do not. Unfortunately there is a lot of companies that say they have a right to collect a debt but without physical verification it becomes hard for me to believe a letter just being sent to me out of the blue. Also since they are a 3rd part collection agency that has to adhere to the FDCRA, I am asking that proper procedure be followed. I do not deal with 3rd party collection agencies, I do not pay a debt to someone that I never heard of nor agreed to pay, by them sending me a letter stating that this is an attempt to collect a debt, that translates into them wanting to do me financial harm. Since this debt can not be validated with proper documentation I will ask that they cease and desist with all collection activity, if they have reported any of this to any of the XXXX major credit bureaus I will ask that they remove that collection immediately if not they are breaking the law by not providing documentation that this debt exists and is mine. I am asking that they also comply with all state and federal laws. It is my right under section 609 of the FCRA to ask for proper verification meaning a signed contract. If they purchased this debt since they say they are the new owners and that XXXX or XXXX XXXX has closed or charged off the debt that means that legally no debt from the original creditor exists at this time, then they would have bought the original signed contract showing a legal debt and legal obligation to pay. If this is once again, not given to me within the proper days allotted by law then I will ask that Portfolio Recovery stop all collection attempts, remove all information from my credit report and never contact me again either by phone or in writing. If they do not do this then I would ask that a full and immediate investigation be started, as well as a formal complaint with the State Attorney generals office will be submitted accusing them of detrimental harm to my financial well-being. What I am asking for is not unreasonable, and is an attempt to verify a debt and any and all information obtained will be used for that purpose. You know are on the clock.
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| 08/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for PORTFOLIO RECOV ASSOC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back Best Regards XXXX XXXX XXXX cc Federal Trade Commission
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| 08/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This is hereby a legal notice. This is to inform you that my client, XXXX XXXX, has advised me of her best effort to notify you that this debt is invalid. Per her rights under the Fair Debt Collection Practices Act ( " FDCPA '' ) of XXXX, she has sent you letters disputing both the debt and the validation of debt.
Between the dates XXXX XXXX through XXXX XXXX communication was exchanged between my client and your company. In XXXX XXXX you informed my client of a purchase of debt from your client, XXXX XXXX BANK XXXX XXXX XXXX XXXX. Notifying my client on this communication the requirements of her 30- days for dispute. My Client filed a dispute well within this time frame.
Your company response in XXXX XXXX specifically reflects her request of a dispute received. My client sent you another letter informing you that she could n't locate any information supporting this debt with any documentation she had around the same time.
30-days passed with no response from your company. My client sent a letter in XXXX XXXX notifying you of such absence. My client sent a copy of that letter to the Consumer Financial Protection Bureau ( " CFPB '' ).
Your company 's response to the CFPB has questionable information. My client received a letter from your company on XXXX XXXX, XXXX that contradicts your company 's CFPB response. XXXX statements : " PRA sent its initial notification letter to you on or about XXXX XXXX, XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, PRA has sent you the attached letter on or about XXXX XXXX, XXXX, containing validation. '' " In response to your complaint, Portfolio Recovery Associates , LLC ( " PRA '' ) investigated and verified the PRA account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' show to be inaccurate per your letter received. I hereby considered both above statements to be a fabrication. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) of XXXX states that it 's ILLEGAL to deceive the consumer in order to collect on a debt.
Second example of misleading the consumer is the support documentation attached to the CFPB case was totally different than the letter received. This type of behavior puts consumers into a position in which attempts to portray them into paying debt. However in reality they have a valid dispute.
Third example of misleading the consumer is the validation of debt in which is being used. Your company states that my client owes you {$110.00}, however your own client, sent you an invoice with different balance due. You even state in the letter received on XXXX XXXX, XXXX, that " no known un-credit payments, counterclaims or offsets against this account at the date of its sale. '' Which means that your client never received payment, however in the documentation ( " Validation of Debt '' ) received shows just the opposite. My client even sent you a copy of a wire transfer that took place on XXXX of XXXX.
My client also sent a letter to your client and sent copy to the CFPB. Your clients respond with " The debt was sold to Portfolio Recovery Associates on XXXX XXXX, XXXX. We have confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ) and you do not owe us a balance anymore. You may still owe something to Portfolio Recovery Associates and they may be reporting the account to the CRAs. If you have any questions about this, you can call Portfolio Recovery Associates at XXXX. '' Therefore making the documentation ( " Validation of Debt '' ) unverifiable.
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| 07/22/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX ; XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 05/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Portfolio Recovery A XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX : Accounts # XXXX ; XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOV ASSOC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 02/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOVERY A / XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Accounts # XXXX-XXXXXXXXXXXXXX ( XXXX ) ; XXXX-XXXXXXXXXXXXXX ( XXXX ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 01/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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PORTFOLIO RECOVERY LLC fails to validate this so-called debt. Portfolio Recovery is not removing an adverse account and has yet to provide me with proper verification proving the account does belong to me. I've sent three certified mail letters and been asking them repeatedly where is a contract with my signature agreeing to pay this so-called debt. They still have not provided me what I asked for.
On a previous CFPB I submitted, ( XXXX ) This company claims they have no record of a response or a dispute being received in relation to our initial notification letter WHICH is a lie. They received all my USPS certified mail which required a signature during delivery. Evidence of this company receiving all the disputes ( Return Receipts ) I've sent them is attached to this complaint. This company lied to the previous CFPB complaint. I've sent another USPS certified mail to this company on XX/XX/XXXX, and they didn't respond.
This company also claims " We purchased the account and contract XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account. '' That is also a lie, This " debt '' this company claims I owe them does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation.
I mailed and send Portfolio Recovery an example of the In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ). I mailed and they received it on XX/XX/XXXX.
In addition, in the case of XXXX Vs. XXXX XXXX IN THE COURT OF APPEALS OF INDIANA, No. XXXX XXXX, the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added XXXX. On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
|
| 07/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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hank you for your complaint XXXX about PORTFOLIO RECOVERY ASSOCIATES INC.
I have no knowledge of this debt what so ever. My ID was stolen, I explained many times to you ( XXXX XXXX XXXX ) per the harassment and abuse and when I go on XXXX and XXXX the statute of limitation is up for California. This is four years. I sent repeated notices, one of them was certified mail to you signed by somebody in the office XX/XX/XXXX XXXX XXXX. I received the paperwork from the return of address little green card return to sender. Disregard everything no knowledge what the debt is regarding to. I contacted XXXX XXXX XXXX about the XXXX out of my bank account last year- they basically disregarding anything I had to say. Thought it was over and here we are again. I am about ready to go the post office and again send certified mail another handwritten letter with the sections they are violation and everything else.
The individual name is : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX I try to go online and dispute it with the credit reporting company ( XXXX ), basically go online and ask you dispute any of the items. It wont allow me to dispute anything it brings up error. I also explained to Mr. XXXX hes in violation a law fair debt collection practices violating section 806 harassment and abuse. I had to block their number on many different occasion through my XXXX account. Its like a robocall claiming they are trying to collect a debt.
The debt they are trying to collect has been disputed and resolved. On the error/dispute it brings up we are unable to submit your request online.
Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owedXX/XX/XXXX XXXX I have reapeatedly respond to this debt and you continuously harras, emotionally abuse, bully me. I have filed a previous claim XXXX with this agency with my instructions. No further explanation is needed. I have no knowledge of this debt what so ever. My ID was stolen, I explained many times to you ( XXXX XXXX XXXX ) per the harassment and abuse and when I go on XXXX and XXXX the statute of limitation is up for California. This is four years. I sent repeated notices, one of them was certified mail to you signed by somebody in the office XX/XX/XXXX XXXX XXXX. I received the paperwork from the return of address little green card return to sender. Disregard everything no knowledge what the debt is regarding to. I contacted XXXX XXXX XXXX about the XXXX out of my bank account last year- they basically disregarding anything I had to say. Thought it was over and here we are again. I am about ready to go the post office and again send certified mail another handwritten letter with the sections they are violation and everything else. The individual name is : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX I try to go online and dispute it with the credit reporting company ( XXXX ), basically go online and ask you dispute any of the items. It wont allow me to dispute anything it brings up error. I also explained to Mr. XXXX hes in violation a law fair debt collection practices violating section 806 harassment and abuse. I had to block their number on many different occasion through my XXXX account. Its like a robocall claiming they are trying to collect a debt. The debt they are trying to collect has been disputed and resolved. On the error/dispute it brings up we are unable to submit your request online.
Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Attempts to collect debt not owed
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| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I am responding back from a previous complaint that I did not get a chance to follow up with regarding portfolio recovery.
I had 60 days to give feedback and respond and yesterday was the 60th day. Due to a few deaths in the family I was not able to keep up and respond appropriately so I am asking that this investigation be re opened and I am looking to seek damages due to abusive and unfair debt collection practices from portfolio Recovery.
Attached I have the letter I sent to Portfolio recovery along with proof of phone records that they called me more than once about my husband and told me he owed a debt which is prohibited under the fdcpa and a host of other laws that they broke while calling me regarding my husband 's debt.
for starters Portfolio you never addressed the fact you were in violation of 15 usc 1692B 1 which states when calling you are required to state you are confirming or correcting location information. Both times you called my phone on XX/XX/XXXX and XX/XX/XXXX and not once did you state that to me. If you feel you did please send an affidavit OF TRUTH NOTARIZED by your execuitve of Portfolio stating you did so on both calls. I demanded payment for these violations.
Second, once again Portfolio has violated 15 usc 1692b ( 2 ) by calling me and stating that my husband owed a debt with XXXX XXXXXXXX. Portfolio you are not allowed under law pursuant to 15 usc 1692b under this subchapter to discuss a debt with anyone other than the person who owes the debt. You are in violation of this law on XX/XX/2021 and XX/XX/2021 and I demand you to pay me and my husband for these violations. unless you are able to make an affidavit of truth that is notarized by an executive of Portfolio stating that you did not discuss this with me and giving the law that gives you the right to discuss debts and say a consumer owes a debt with a spouse. I demand payment for these violations.
third, 15 usc 1692b ( 3 ) states that a debt collector can not contact any such person more than once unless you were given permission to do so. Portfolio called me on XX/XX/2021 and then XX/XX/2021, you did not have my permission to contact me and I told you on XX/XX/XXXX to stop calling me. You are in violation of this law and I demand you to pay for the damages. unless you can provide an affidavit of truth notarized by an executive of Portfolio stating that I did give you permission to call and that I did not say to not call me anymore.
fourth, this subchapter of the FDCPA ; " 15 usc 1692C '' says that a consumer includes a spouse. So when I was being contacted I became my husband since I am his spouse. also 15 usc 1692c ( a ) ( 1 ) says that a debt collector can not contact a consumer without their prior consent and at an unusual time. When Portfolio contacted me on XX/XX/2021 they never had my prior permission to contact me and during that call I told them to stop calling me. So when Portfolio called me on XX/XX/XXXX they called me after the fact I told them to stop calling me and by doing so they called me an unusual time, because at this point, no matter if they did call after XXXX XXXX or XXXX XXXX my time, the time still would have would've been an unusual time for me and : portfolio could not assume due to the fact I informed them to stop calling me a few months ago prior. Which makes Portfolio recovery guilty of committing these abusive debt collection tactics towards me ad XXXX demand to be paid for these violations.
attach I will submit the response from portfolio and all of the previous attachments I sent back in XXXX. I am demanding remedy in the form of payment.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX ) The collection Agency PORTFOLIO RECOV ASSOCIATES which is on XXXX XXXX XXXX XXXX, VA XXXXhas not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2020 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. This company has not provided the purchase agreement that authorizes them to collect on the alleged debt. They have also not provided me with the following : Copy of the application of credit as i need exactly what debt you are trying to collect Copy of card holder agreement ( The Contract ) and any amendments as this will show what the terms of the contract are so i can see if you are following this in the amount you are trying to collect from me.
Monthly Statements from when i had a XXXX balance up to the final statement because i need to see all the charges, payments, credits, etc. to compare this with the cardholder agreement and see if the amount you are claiming is correct.
What is your authority to collect this debt as i have never done business with you. If you claim to own any debt you claim i owe, give me the full purchase agreement so i can see if you really own this debt.
I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this account accordingly.
This company has caused harm to my reputation and harm to my family as they have violated the following laws : - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$25000.00} for violations of the FDCPA.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items 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 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? 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. ail 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.
This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DUE TO MY SOCIAL SECURITY NUMBER IS WRONG, YOU ARE REPORTING OF MY LAST XXXX ( XXXX ) AND THE CORRECT LAST FOR OF MY SSN IS ( XXXX ) The following account was not made by me : XXXX. XXXX XXXX XXXX, OPEN XXXX, DATE REPORTED- XX/XX/XXXX, CREDIT LIMIT- {$670.00}, BAL {$530.00} ( CLOSED ) UNIVERIFIED XXXX. XXXX XXXX XXXX, OPEN- XX/XX/XXXX, DATE REPORTED XXXX/XXXX/XXXX, CREDIT LIMIT {$1300.00}, BAL {$540.00}, available- $ XXXX ( CLOSED ) - UNVERIFIED XXXX. XXXX ACCT XXXX, OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, CREDIT LIMIT {$0.00}, BAL {$910.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX ACCT : XXXX, OPEN XX/XX/XXXX, DATE REPORTED XXXX, CREDIT LIMIT {$1000.00}, BAL {$1300.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, XXXX {$900.00} ( COLLECTION ) AND ( CLOSED ) -UNVERIFIED XXXX. XXXX XXXX : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$530.00}, BAL {$0.00} ( XXXX AGREED ) ( CLOSED ) UNVERIFIED XXXX. XXXX ACCT : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$68.00}, BALXXXX ( PAID AND CLOSED ) UNIVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
|
| 05/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Portfolio Recovery placed an entry on my credit reports for a XXXX XXXX account that supposedly has a balance owed of {$860.00}, this was done in or around XX/XX/XXXX. Finding the entry on my credit report that month, I sent a written dispute notice to PRA. This notice was ignored. I received no response whatsoever from PRA.
I received a phone call in XX/XX/XXXX from PRA, asking me to pay this account that had already been disputed. I informed them that since I already had disputed the account, I was wondering why they were trying to collect since they did not ever answer my dispute. I was transferred to a supervisor, who agreed to have the dispute investigated. Since that conversation, the one and only thing PRA has done that I can see is to mark the entry as disputed on my credit reports. PRA is, in accordance with FDCPA, required to send me notice within 5 days of initial communication. I never received this notice, at any time. PRA is additionally required by FDCPA to cease all collection effort until they complete their investigation and substantiate the debt to the consumer. This also has not happened. During this XXXX phone call, the supervisor told me that he can see where I disputed two prior " debts '' with PRA, both of which were found to be unsubstantiated.
Fast forward to today, I call PRA to get an update since I have not received any word from them. The first person on the phone told me that not only was I lying, but the PRA employee and supervisor I spoke to in XXXX were also -- he claimed that I did not ever dispute any debts with PRA, which he even contradicted barely 10 seconds after. I then asked for a supervisor, who made no sense whatsoever. I was informed that the results of my dispute were already complete and she could see them on her computer, but they don't call consumers to tell them. She said they send it by mail. I asked her why I did not receive any results from them, since she claimed they were complete. Her response is that they have an internal deadline of XX/XX/XXXX to complete their investigation and that they have other customers. Meanwhile, they continued to report this false report on my credit, hurting my ability to obtain credit, because it's not XX/XX/XXXX yet, so they still have time. Seems to me that once they complete the investigation, they should promptly send results to consumers ... .but I guess common sense does not prevail there. As if by magic, the day I call in, they happen to have completed investigation results right in front of them ... .but I have to call and ask for them to be sent to me?
This entry being on my credit report, without ever being substantiated even though I disputed multiple times, has caused me to be denied credit, which constitutes a real injury for purposes of FCRA.
PRA is currently under a consent order from the CFPB, which was entered into around XX/XX/XXXX. This consent order can be found here : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-portfolio-recovery-associates-llc.pdf On page 16, under # 64a, one of the prohibited behaviors that PRA was found to have engaged in is to ignore consumer disputes and instead rely upon the assumption that the debt must be valid, even in the absence of substantiating documentation. This is the basis for my complaint -- I have disputed this account on two occasions prior to today, and have yet to receive any response other than to mark my credit reports as " disputed by consumer ''. Meanwhile, PRA has continued its credit reporting, causing me harm, and being quite dishonest along the way with regard to my disputes.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I sent the letter below requesting the information and verification. If this information could not be obtained, they should remove this from my credit report within 30 days. They have not provided any of the information requested letter below. This has been a source of hardship for my family. I have worked very hard to rebuild my credit and life and this is the only thing holding my family back. letter below : Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NJ XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; with my signature Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I initially submitted information to the CFPB after the numerous calls that Portfolio Recovery had placed to me. I also requested to have the account in question disputed due to a number of reasons. The account has yet to be removed which is why I have submitted another documented complaint. I advised the credit reporting agencies that this account, Portfolio Recovery, was reporting inconsistently across all credit reporting agencies it was reported. Things were incorrect from account number, date of last activity, date of last payment, date account opened, comments, remarks, payment history, date account closed my signature on the contract on the debt they are attempting to collect among other things. This account has not be adequately verified, validated and substantiated.
Furthermore, there are other consumer protection violations that Portfolio Recovery has committed that can be proven in a court of law, in front of a jury of our peers. If Portfolio Recovery believes they are not violating the following consumer protection laws, I am asking for a full response in writing for my record keeping purposes as we move forward.
Violation 1 : 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I did not provide written consent to report anything on my consumer file. No consent is identity theft.
Violation 2 : 15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt Portfolio Recovery has been communicating through the mails, USPS, as it relates to this debt. This constitutes as a communication with another person outside of me, the consumer, the natural person.
Violatio
n 3 : 15 USC 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Per the information listed on my consumer report under the comment section associated with this account, it appears that there is a remark that advises the account belongs to an attorney. This is misleading and a false representation.
Violation 4 : 18 USC 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
In addition to the above violations, I am also asking that you produce the contract to collect services of debt per 28 USC 3002 in connection with 31 USC 3718 otherwise redirect any positive balances in excess of {$1.00} to I, the federally protected consumer in fact per 15 USC 1666d - Treatme
nt of credit balances.
|
| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX RE : AccountS # XXXX ( {$9300.00} ) TO WHOM It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 01/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
|
| 05/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
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Web |
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This company violates too many rules and regulations for me to just choose XXXX category. This will be my XXXX complaint against this company after taking every step imaginable to resolve this debt. They still have n't replied to my most recent complaint with you. After complaining with you, the credit reporting bureaus, this company, and the XXXX, this company started inundating me with paperwork, none of which adequately validated the debt. I also contacted the XXXX, and they sent me an account number ending in the last XXXX digits that are different from the ones that this company has been sending me as a validation attempt. I am more than willing to provide that letter to you. I also contacted the company 's president, Vice President, and ombudsman. Only the ombudsman replied. I can forward the email that I received from him to verify all I say is true as well as my responses and where I stated that I would be contacting you, the XXXX, and the States Attorneys Generals in XXXX and XXXX. The ombudsman 's reply to my complaint about how they were reporting to the credit bureaus was that it was the bureaus fault for misreporting and that they were not at fault. They were reporting themselves as a factoring agent instead of debt collector and also listed the account as late and open. I received this response after I had disputed this account with the credit bureaus, and Portfolio resubmitted the same information after my dispute. This account is still reporting the same as it was before and the onus was on them to correct. I also wrote in my complaint that I felt like they had added a default judgement that was entered against me as a form of retaliation when I disputed the account. I received a reply that that was beyond Portfolio 's scope and that the courts reported that information to the credit bureaus etc. I contacted the courts where the case was filed and was informed that this was false information as only the creditor or their lawyers could supply such information to the reporting agencies, and was also told they would contact both Portfolio and their counsel for providing misinformation. I knew the response was not truthful because as I stated this public record was not factoring into my credit account until after I reached out to Portfolio in XXXX 2015 to dispute this debt. The public record appeared immediately after this. Portfolio 's response was that it is not their responsibility, and all of this falls under the scope of the credit reporting agencies. In addition to this, I was reviewing some of the paperwork that I obtained, and I went over everything diligently. I have a copy of the affidavit of service that Portfolio supposedly delivered to me. This form was supposedly notarized in XXXX County, XXXX by a XXXX XXXX XXXX. When I checked for this person using the XXXX of XXXX database for the notary of public in XXXX county and XXXX, this person is not not listed. She is not listed for the state of XXXX at all. In addition to this, her seal does n't contain a commission number. I also looked at the person who signed for the summons and this person is listed as an XXXX XXXX. This person is also listed as a co-resident. I have never lived nor do I live with a person with this name. In addition to this they provide a physical description of a person who has never lived nor lives at my address. I believe that this is a fake document considering the information that I have supplied and considering that I had complained that I had n't been properly served. I can provide all of this information as well.
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| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My inquires to XXXX ( Account : XXXX ), XXXX XXXX XXXX XXXX ( Account : XXXX ) and XXXX XXXX ( Account : XXXX* ) confirmed that XXXX Credit Bureau has never validated or verified the erroneous entries on my credit report pertaining to those 3 named accounts. In XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, sent through certified mail, I mailed letters to XXXX in order to dispute the validity and reporting status of these accounts. I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified accounts still remained on my credit report in violation of Federal Law. XXXX is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation XXXX stated, in writing, that additional information had been provided, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA.
I followed up with a fourth dispute letter to XXXX in XX/XX/XXXX and was met with a letter from them stating that they will not reinvestigate my claim. This is also a direct violation of the FCRA when you consider the fact that they never conducted a reasonable investigation in the first place. Furthermore, XXXX unwillingness to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. I have attached several documents that will prove the following : 1. That XXXX never requested verification or validation in the form of and original contract with my signature on it to ensure 100 percent validation/verification, as I have requested several times which is in direct violation of the FCRA.
2. That even though I filed a dispute with XXXX regarding the validity of these exact accounts, and XXXX followed the law and deleted these invalidated accounts ; knowing this, XXXX did not conduct the reasonable investigation needed in order to make sure that their reporting of these accounts was accurate and congruent with the other Credit Reporting Agencies.
3. These companies DO NOT have any contracts with my original signature on it.
4. These companies DO NOT have a contract that states that I consented to a relationship with them, business or otherwise.
5. They DO NOT have either of these items at their physical location, or in their physical possession in the form of an original or E-Signature.
6. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information.
I have given XXXX multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that these accounts should be permanently deleted from my credit report.
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| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To Whom It May Concern : Be advised this is a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to the collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 07/25/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My name is XXXX XXXX and I am seeking advice on what to do about the following situation.
Back in XXXX we were stationed in XXXX, XXXX, because of all the issues of moving furniture and weight restrictions we decided we would sell our furniture and buy when we got back to the states.. Early XXXX we were re assigned to XXXX XXXX in XXXX XXXX Texas, The kids needed furniture so we decided to go to a local furniture store ( XXXX XXXX ). The sales person was very nice and helped us pick out the perfect set for our need at the time. The sales person informed us of a credit company they were working with had a deal where we would not have to make any payments for 24 months. The only thing was that the credit company they were going through only allowed a {$1000.00} limited so we had to get XXXX credit cards totaling XXXX. We agreed and in a week we received our furniture and everything was great. Since we were not new to getting credit, we understood that interest rates would accumulate, so I called the company about a month later to ask about my account information and mailing address so I could send my payments and not accurate interest rates. The customer service person at XXXX XXXX informed me that they were not allowed to give out my account number over the phone and that they would send me a bill soon. A month later I called again and they still refused to give me my account number and stated the same thing that a bill would arrive soon and that I could start making payments. To make a long story short I never once received a bill. As time went on I knew they would send me a bill once I started to accrue interest. Well Instead of getting a bill I got a call from the collections dept at XXXX XXXX offering a settlement. I explained to them what was going on and we came to an agreement that I would just pay it and get it over with. The last time I heard from XXXX XXXX was XXXX XXXX, XXXX. In XXXX of XXXX I get a letter from Portfolio Recovery telling me I owed them {$970.00}. I immediately called XXXX XXXX and had them send me a letter stating that I had paid off the loan and that I did not owe anything. They agreed to send me the confirmation letter. Seven days later I email XXXX with the statements and a letter of XXXX balance. XXXX does their investigation and confirms that I still owe XXXX, and I am stumped. XXXX informed me that the XXXX that I had paid to XXXX was for the XXXX credit card and all the interest that was accrued. At that point I asked them to send me all the statement so I could see for myself. I expect to receive the statement early XXXX.
Well since we had gotten back to the States my wife and I have been working hard to get our credit scores up so we could buy a house. Two months ago my credit score was finally above the requirements for a VA Loan, so we decided to put a down on a new home. Just as we were about to settle on the mortgage this collections comes out of nowhere. We have n't gotten a rejection letter from the bank yet but they were asking about a late payment I made back in XXXX, I am pretty sure they are going to want to know how I thought I was going to get a mortgage with a collections company on my credit report.
I have taken out some loans in the past that had some bad interest rates and but this is a whole new level of sneakiness that I just did not see coming.
Any Advise would be greatly appreciated as I am at loss for what to do. I 'm not sure if I have any legal rights or if I just pay this and wait the 7+ years for it to come off my report.
Thank you XXXX XXXX
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| 07/08/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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AMERICAS BIGGEST SCAM I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are seven posted collections on this QWR, all with account numbers backed by copies of collections from Portfolio Recovery Associates LLC. On each of these collection notices it specifically states that Portfolio Recovery Associates LLC is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is Portfolio Recovery Associates LLC the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year. On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
Portfolio Recovery Associates LLC has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to Portfolio Recovery Associates LLC. This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
PORTFOLIO RECOVER ASSOCIATES LLC HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX v. XXXX XXXX XXXX XXXX. IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM PORTFOLIO RECOVERY ASSOCIATES LLC.
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breech of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
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| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please be apprised that Portfolio Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Portfolio Recovery/ XXXX XXXX proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent.
You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX XXXX XXXX & both bureaus are reporting false information on my credit report.
You are in violation continuing to report.
I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report.
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| 07/14/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Revenue Assocs is intentionally re-aging, manipulating, changing/adding known fraudulent information** to my credit report in violation of FCRA law ( XXXX ).
My XXXX account was opened XXXX, XXXX. Four years later, I became ill and eventually fell behind with my payments. XXXX XXXX XXXX, after which the account was closed XXXX XXXX, XXXX and charged off XXXX XXXX, XXXX ( XXXX ).
My account was later sold to Portfolio Recovery Assocs by XXXX.
XXXX, a division of " XXXX '' was not the original owner of my settled account with XXXX XXXX.
SEC filings state that XXXX XXXX was created on XXXX XXXX, XXXX.
This same account was settled ( by payment as the majority of my other legitimate accounts were XXXX ), disputed, investigated and removed from credit reporting bureaus listings. I believe in settlement was made in part because of my calls/complaints about interest hike to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the State Attorney General, and because of persons in the same situation as myself resulting in the CFPB Order for XXXX XXXX to refund XXXX for Deceptive Health-Care Enrollment dated XX/XX/XXXX. ( XXXX ) Portfolio Revenue Assocs reopened my old account which had been *removed by the Credit Reporting Agencies [ XXXX ], modified my old credit card account details [ XXXX ], created new date and amount information, and then on XXXX XXXX, XXXX added another new account dated XXXX XXXX, XXXX with fraudulent information from no source revealed or known to me [ XXXX ].
Because of these actions ; It is my strong belief that Portfolio Recovery Assocs knew the debt to be improper.
They are attempting to threaten me into paying again by coercion knowing that the debt was settled*. Portfolio Revenue Assocs is intentionally and with purpose causing irreparable damage to my credit reporting accounts [ XXXX ] XXXX XXXX thru XXXX XXXX, XXXX XXXX highest score XXXX now XXXX. Down XXXX. XXXX highest score XXXX now XXXX. Down XXXX points.
[ XXXX ].
Portfolio Revenue Assocs sent me copies twice of my old XXXX XXXX account statements as their validity of debt. ( Back of same forms list account ownership with XXXX XXXX or XXXX XXXX XXXX Bank [ XXXX ] ).
I have notified Portfolio Revenue Assocs by emailed dispute and by certified, return receipt mail that this account is settled. Also, that the debt is inaccurate, uncollectable, and improper [ XXXX ].
My credit report account was then attacked and bombarded with fabricated negative information reported at times every other day by Portfolio Revenue Assocs. The last correspondence regarding my dispute advised me " No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' ( XXXX ) I am a resident of XXXX visiting my new grandchild in XXXX. I am a XXXX individual with XXXX specifically aggravated and related to the effects of XXXX of which I am enduring the direct effect of under Portfolio Revenue Associates ' illegal attack and misuse of authority in relation to their having access to my individual citizen 's credit reports.
Their procedure and actions in this matter are illegal and causing me distress.
I understand that a collection agency may place a bad debt on my credit report. It should only report accurate information and not fabricated information. Using known fraudulent account reporting to make collection look legitimate regardless of damage done and using as coercion is despicable. Violations-statute 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( I ) ( ii ).
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| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Issue is that I did not receive notification. I have a filed complaint against XXXX for their attempted adverse and fraudulent activity through a fraud alert that I did not file. No other Bureau sent me a report except XXXX. XXXX immediately removed the alert through questions about my credit, but XXXX continues to pursue addresses with me, because apparently tied to corruptive element that wants to know my protected addresses. I have primarily used a XXXX XXXX for the last many years until XXXX of last year, because I have not obtained a new one after closing that one due to proximity and other issues. XXXX was already being improper in not allowing me to obtain my credit report and dispute online, therefore completely in control of those abilities on my report. The debt collector of this complaint has also already been a problem in the past, apparently tied to corruptive creditors or issues. My second mortgage issue was tied to corruptive procedures in the illegal taking of my children 's and my home in a jurisdiction known to be run by the XXXX. Considering XXXX is based in XXXX, I know the XXXX to be connected to XXXX XXXX element that illegally took my home ( children 's Father 's corrupt XXXX Spouse equal to XXXX angry about contractual agreement he wrote up for us ). Portfolio continued to pursue collection on second mortgage until XXXX when occurred in XXXX. XXXX XXXX XXXX XXXX XXXX failed to pay off second mtg, even though they sold for more then enough. Were n't cooperating with Banking Dept for over a year and then nothing done. Had a restraining order against them from District Court, but corrupt attorneys lied to District Court. I have proof they had not sold house to another party before restraining order. The next creditor Portfolio Recovery Associates involved with was my for profit University they pursued fraud in the failure of disbursing my student aid in the fall of XXXX, even though they had possession of the funds. They failed to disburse to my account and pay my tuition and then stopped me from finishing my XXXX when at the end of Dissertation. I am pursuing two new legal procedures against them, new Class Action and procedure to prove fraud with Dept. Ed. Amount was fraud also, because had increased my tuition by large amount not school wide and without notification or explanation for last two years XXXX. Now along with the false fraud alert, Portfolio is reported on XXXX for the financial backer of the school that my main instructor was a consultant with them and the former owner 's wife worked for them. The former head official of XXXX XXXXXXXX XXXX is now the owner of the XXXX University. It appears an attempt to reage the account with the former name of the creditor and an additional one the same XXXX XXXX XXXX that also is listed twice on the XXXX report through the two different names. I have disputed with Portfolio, but were very difficult to report the above causes. They all failed notification, and then surprise along with a false fraud alert. Apparently to upset and stress me out. In the file I will provide the last page is from my XXXX XXXX report and you can see three listings of Portfolio being deleted, but now just notified back on. I believe this activity is harassment due to my two new legal procedures against the school with ties to XXXX XXXXXXXX XXXX that are the cause of my failure to be able to pay my credit cards due to the school 's harassing fraudulent procedures that began in XXXX and exacerbated my medical condition that I am now legally XXXX.
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| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I mailed a letter to Portfolio Recovery Associates LLC requesting full debt validation of the alleged debt in question via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my letter on XX/XX/2023.
After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. Portfolio Recovery Associates LLC received my second letter on XX/XX/2023.
Portfolio Recovery Associates LLC sent a copy of a statement that did not look authentic, stating that it was a copy from the original creditor, and that I owe the alleged debt. I mailed my third letter to Portfolio Recovery Associates LLC on XX/XX/2023 via Certified Mail, advising that I have previously sent them a request to fully validate the alleged debt in question under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. I stated in my letter that this does not meet the Federal Trade Commission 's guidelines of what constitutes as proper debt validation, in accordance, the case of XXXX XXXX XXXXXXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ). Portfolio Recovery Associates LLC received my letter on XX/XX/2023.
After waiting for an additional 30+ days for Portfolio Recovery Associates LLC to properly validate the debt, Portfolio Recovery Associates LLC failed to send their response.
I mailed my last letter, requesting Portfolio Recovery Associates LLC to remove the alleged debt in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail.
Portfolio Recovery Associates LLC sent a letter on XX/XX/2023, refusing to validate the debt in question.
I made a final attempt to correct the matter by contacting the original creditor that was listed on Portfolio Recovery Associates LLC last letter dated XX/XX/2023, XXXX XXXX. I spoke to a representative by the name XXXX on XX/XX/2023 at XXXX, requesting to provide any information on the alleged account in question. She stated that there was no information on file that was linked to the account number listed on the notice that I received from Portfolio Recovery Associates LLC. She also mentioned that there wasn't any payment history when she searched their databases with my social security number and address.
Under the laws of the FDCPA, I have contacted the collection agency and original creditor myself and have been unable to get them to verify the alleged debt.
I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Portfolio Recovery Associates LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant emotional and financial distress.
I do not know who Portfolio Recovery Associates LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
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| 05/04/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am filing this complaint today for numerous FDCPA violations by Portfolio Recovery Associates, LLC ( PRA LLC ) as outlined below. I have made numerous attempts to contact PRA to settle this matter to no avail. The violations as outlined below show that PRA has continued to violate FDCPA regulations as well as regulations brought against them by a consent order from the CFPB in XX/XX/XXXX here : https : //files.consumerfinance.govXXXX.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
PRA has failed to provide me with any validation of debt despite numerous attempts to obtain this information. They have asserted each time that they contacted me and have sent validation via mail but I have never received any verification. They have also failed to provide proof of sending this information. I have made attempts to collect this data on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt, and it is their responsibility to respond within 30 days. I have received no reply from PRA that provides validation of this debt according to federal guidelines. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}. Additionally, this is a violation of the court order from the XX/XX/XXXX lawsuit brought against them by the CFPB listed above.
PRA continues to report themselves as a factoring company on the credit reports, which is incorrect reporting as PRA is a junk debt buyer and not a factoring company. PRA has also continued to report as a revolving account which is a violation of the FDCPA. This is also a violation of the court order from the XX/XX/XXXX lawsuit brought against them by the CFPB listed above.
I have made numerous attempts to contact PRA through mail, CFPB, XXXX, and the credit reporting bureaus to no avail. PRA has continued to violate my rights under the FDCPA repeatedly and have lied each time I have filed a complaint. It's clear that PRA has no regard for the laws, proof shown through the XX/XX/XXXX consent order. It's obvious that PRA has not changed their abusive and harassing tactics as a result of that order.
Note : I have attached PRA 's previous responses that do not provide legal validation of debt. PRA has failed to mail me any debt validation despite their assertion that they had.
This matter has also been brought to the attention of the Attorney General 's of California and Virginia.
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
|
| 03/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following in any future correspondence to me from you : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Portfolio Recovery Associates, LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is NOT completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information from you.
|
| 03/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of identity theft and have sent the required information to the
required consumer reporting agencies. It has since been past the 4 business
days required by law under 15 USC 1681c-2 and they have yet to block the
information. I also want to make abundantly clear that this report of identity
theft was not made in error by me, a consumer, as stated in 15 USC
168c2(c)(1)(A). I am seeking an immediate response from COMPANY NAME
in order to feel that this matter has been fulfilled to my satisfaction in
accordance with federal law.
I declare under penalty of perjury (under the laws of the United States, if
executed outside of the United States) that the foregoing is true and correct
to the best of my knowledge, Further, I certify that I am permitted by
FEDERAL and STATE LAW to file this dispute. I also am aware that knowing
and willful misstatements or omissions of material facts constitutes a
FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S.C.
1621. This item found within my credit report is not related to any
transaction that I made. I am alleging that a person or a company- without
my authorization or knowledge- used my personal identifying information to
apply for goods, services, or money; and was successful in creating this
account. This has caused me to suffer and its defamation of my character.
They have also violated the following:
15 U.S. Code 1681(e)(b) - Compliance procedures-ACCURACY OF REPORTWhenever a consumer reporting agency prepares a consumer report it shall
follow reasonable procedures to assure maximum possible accuracy of the
information concerning the individual about whom the report relates.
15 U.S. Code 1692g- Validation of debts (a) Notice of debt: Within five
days after the initial communication with a consumer in connection with the
collection of any debt, a debt collector shall, unless the following information
is contained in the initial communication or the consumer has paid the debt,
send the consumer a written notice containing- (2) the name of the creditor
to whom the debt is owed; I am the creditor under 15 U.S. Code 1692a so
the debt is owed to me.
15 U.S. Code 1692j- Furnishing certain deceptive forms (a) it is unlawful
to design, compile, and furnish any form knowing that such form would be
used to create a false belief in a consumer that a person other than the
creditor of such consumer is participating in the collection of or in an
attempt to collect a debt such consumer allegedly owes such creditor, when
in fact such person os not participating. I am not participating in the
collection of this alleged debt.
18 U.S. Code 1028(a)- Fraud and related activity in connection with
identification documents, authentication features, and information.2
(2)knowingly transfers an identification document, authentication feature, or
a false identification document knowing that such document or feature was
stolen or produced without lawful authority; (3)knowingly possesses with
intent to use unlawfully or transfer unlawfully five or more identification
documents (other than those issued lawfully for the use of the possessor),
authentication features, or false identification documents; (4)knowingly
possesses an identification document (other than one issued lawfully for the
use of the possessor), authentication feature, or a false identification
document, with the intent such document or feature be used to defraud the
United States;
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified.
|
| 08/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2018 i requested a dispute with XXXX, XXXX and XXXX to dispute two Negative accounts on my Credit report. I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to Validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am asking that this information be deleted from XXXX, XXXX, and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this This letter is being sent to you in response to a notice sent to me on XX/XX/2018. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company I reserve the right to bring legal action against you for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
|
| 08/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a debt that is not mine.
On XX/XX/XXXX I informed Portfolio Recovery Associates that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine.
On XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt XXXX XXXX to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida.
At this point I thought it best to hire an attorney.
On XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary credit card statements.
The reason that Portfolio Recovery Associates can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 Portfolio Recovery Associates informed the credit reporting company XXXX that this account was in collection under my name.
The facts are : 1 ) all correspondence from XXXX to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this.
2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also.
I believe that Portfolio Recovery Associates is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told Portfolio Recovery Associates multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information.
Portfolio Recovery Associates can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account.
Since Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau.
I am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct Portfolio Recovery Associates ' errors.
|
| 06/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This is a written complaint about Portfolio Recovery and Associates, Inc. which according to their website is based in VA. This agency is a 3rd party collector. It is not my original creditor. The original creditor was XXXX XXXX, a credit card company. After my Chapter XXXX bankruptcy filing was discharged in XXXX, I opened this card with the purpose of rebuilding my credit. I was initially approved with a credit limit of {$1500.00}, which, in time was increased to {$2000.00}. First few years of using this credit card was a breeze. However, the interest rates were so high. So in XXXX, I tried to negotiate with their finance department and asked that they lower my interest rates with a promise on my end, to pay it off. XXXX XXXX declined it. I appealed on a few more occasions but every time, the decision was negative. Finally I got tired of doing a follow up with XXXX XXXX, until one day, life happened, and I started missing payments. It was in XXXX that I had started to receive collection calls even in my workplace and during unholy hours, although I told them not to do it. My wife, including my other siblings also started to get calls from this collection agency, which, at that time I was unaware was Portfolio Recovery and Associates. I was aware that I maxed my credit limit, and cash was starting to get tight. In XXXX I was unjustly fired from my job, thereby my source of income was lost and for a while I thought that the disturbances got away, finally. In the summer of XXXX, while at our then rented house, the mail courier of this third party collector, kept knocking on our house. She was carrying what appeared to be a subpoena coming from our city municipal courts. It was then that I realized that XXXX XXXX sold the debt to Portfolio Recovery while noting, for the first time the popping of a so called XXXX XXXX CA law firm, XXXX and XXXX. I was not aware at that time that these firms were serving robo signed court documents which appeared to have the support of the court. I started to ask for legal advice, but, having limited funds, and about to move out, didn't prosper. I only learned that this collection agency, Portfolio Recovery, in cahoots with the XXXX and XXXX, their so called legal enforcer, was able to secure a lien judgment against me in the amount of {$2100.00} in that same XXXX XXXX court. I was tried in absentia. I had no idea. Until my attention was called by my company Compliance Department officer, that being an independent investments rep for XXXX XXXX XXXX, I was supposed to disclose that there was a lien judgment against me in my Form XXXX that needs to be submitted to FINRA. This was in XX/XX/XXXX. That was the only time I realized the damage that these 2 firms, did on my credit and financial worthiness. I thought my story needs to be heard, because, since I was not denying that credit card debt, and was actually willing to settle it for pennies to the dollar, why move on lien judgment. These people actually tried to garnish my salary from my former employer, thinking I was still working there, so satisfy the court judgment. I know doubt the authenticity of that judgment and would seek legal representation to that effect. The worse effect this lien judgment did, on top of the garnishment, was, my application for licensure in the State of Missouri was suspended by the Securities Commissioner. He believed the disclosure was legit. That is why i need by voice to be heard. Otherwise many more will be victimized.
|
| 08/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent Validation letters This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX, and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 05/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I mailed a dispute to the XXXX, XXXX and XXXX credit bureaus disputing two derogatory accounts Portfolio Recovery placed on my file, as per my rights under the FCRA. I was specific in my demands that to prove the existence of said accounts, there would have to be a signed contract, a listing of the chain of assignments establishing Portfolio as a Holder in Due Course of any account, and a sum certain, a complete financial history of the alleged accounts with fees and interest in order to prove accuracy. About thirty days after, all three bureaus reported back that Portfolio validated the debts, and that my disagreement was acknowledged but these accounts remain.
On XX/XX/2019 I sent a Method of Validation letter to the three bureaus again as per my rights under the FCRA, giving the allotted 15 days to answer and have received no answer more than 15 days on so, yesterday, the XXXX Of XXXX I mailed a letter to the three bureaus demanding both alleged Portfolio accounts be removed from my report. That was when I had decided to bring the Consumer Financial Protection Bureau into this to hold these companies to account and create a record preserving my rights.
Also, I never recall having received a 1692g FDCPA Validation letter from Portfolio on either account and only knew of one account from a letter that was forwarded when I moved. The other account I was completely unaware of until I checked my credit in XX/XX/XXXX for the first time in years. Portfolio was calling the house number where I live and when I investigated the number I learned who they are and what they do, and I learned their business practices. I read the consent order that the CFPB issued against them and knew they are not a company I want to do business with nor are they a company I want to have possession of my personal information. On XX/XX/XXXX of this year they called the house and I called them back and told them they are never to call this number again. The calls ceased until my recent dispute with the bureaus and they started calling several times a day. Also, after I disputed with the bureaus I received a direct mailing from Portfolio including what I assume they count as proof of the validity of these accounts. A bill from each, a copy of a bill of sale, all hearsay. No contract, no legitimate chain of assignment, no sum certain documentation, no affidavits of accuracy. On XX/XX/XXXX I mailed a letter to them directly by certified mail informing them that I am aware of their business practices and their detrimental history, pointed out violations of the FDCPA, and demanded they offer verifiable proof of the legitimacy of these alleged accounts and told them to stop sending derogatory information about me to the bureaus if they cant prove anything. I have received no answer not even the certified receipt back. As I said, I am writing this to establish a record and hope some action can be taken against this company that frequently crosses the line into Unconscionability.
Also, on XX/XX/XXXX, I received a follow up packet of documents from Portfolio in which they stated that they completed their investigation and enclose more documents that establish validity a false or misleading representation, as the documents are essentially the same as they already sent, a hearsay copy of bills from each alleged account and one vague Bill of Sale that is also hearsay. No sum certain as to the accounting of any of these accounts or contract.
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| 02/08/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation requested.
This NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-names Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will request at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased?
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants PORTFOLIO RECOVERY ASSOC. the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC, in case legal action becomes necessary :
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| 09/25/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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XX/XX/XXXX, I received a call from XXXX about a XXXX account with a balance of {$1100.00}. I made payment arrangements with them to pay {$10.00} a month via my checking account.
On Friday, XX/XX/XXXX, I called portfolio recovery to discuss a pay for delete. I spoke with the manager XXXX XXXX, and I offered {$700.00} to pay the account in full. I also requested that they terminate the above-mentioned monthly agreement, and delete the account from the credit bureaus. He agreed to my request, but countered with {$860.00}. He also stated that he would have to secure payment first. I agreed to the amount, and specifically requesting that they do not withdraw the funds from the checking account which they had on file, but I would send them a letter outlining the above agreement, and once they agree in writing I will pay them via check. I immediately sent the letter certified mail ( XXXX XXXX. This letter was also faxed to portfolio recovery on XX/XX/XXXX at XXXX.
On Monday, XX/XX/XXXX, XXXX withdrew {$860.00} from my checking account, without my authorization, and as of the date of this complaint, continue to report the collection account to XXXX and XXXX. I called XXXX and explained the situation to a number of representative and managers, ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) but they all claim that they do not delete accounts from the credit bureaus, and the manager that I made the agreement with, was not supposed to make that payment arrangement, or agree to my terms. XXXX XXXX, a manager at portfolio recovery, lied to me and deceived me into thinking that portfolio recovery had agreed to my terms. This is a clear violation of the FDCPA I addition, portfolio recovery filed a lawsuit ( XXXX ) against me for this debt on XX/XX/XXXX, using the wrong address. According to the court records that I obtained from the XXXX XXXX XXXX XXXX on XX/XX/XXXX, portfolio recover used XXXX XXXX XXXX XXXX XXXX, NY XXXX as my mailing address. THIS IS NOT MY HOME OR MAILING ADRESS.
I was never served the summons, or did I ever receive any correspondence regarding this debt from XXXX. I did not become aware of this debt until XXXX of XXXX, where I received a phone call from portfolio recovery.
My address is XXXX XXXX XXXX XXXX, NY XXXX. This has been my address since XXXX to present. Portfolio Recovery purchased this account XXXX XXXX XXXX ) on or about XX/XX/XXXX. Im sure if XXXX reviews their business records, and account statements they received from XXXX ( XXXX XXXX ), they will find that my home and mailing address was XXXX XXXX XXXX XXXX, NY XXXX on the above mentioned purchase date. This is clearly another violation of the FDCPA XXXX Attached please find proof of my home and mailing address from XXXX through XXXX. You will also find attached proof that portfolio recovery had my correct address at the time they purchased the account, and court documents proving that they intentionally used the wrong address denying me the chance to file an answer, which resulted in a default judgment.
You will also find attached a Satisfaction of Judgment indicating that this account is satisfied in full. I want the above mentioned collection account immediately removed from all the credit bureaus they report to, as agreed on XX/XX/XXXX.
If the account is not removed, I will immediately file a motion to vacate the default judgment, and sue for multiple violations of the FDCPA, and an other state and federal laws that may apply.
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| 10/24/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In an effort to reconcile a debt prior to being sued & a subsequent judgment filed against me, I reached out to my creditor with the following correspondence. The timeline below is the entirety of an email thread that occurred from XXXX XXXX, XXXX between myself and my creditor 's Operation ManageXXXX to reconcile a debt of {$13000.00} : 1. On Friday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after a phone conversation to determine a settlement agreement on an outstanding account, I received an email at my personal address rom the collection agency 's operation manager.
2. This email required that, for email correspondence between the collection agency & I to continue, I type the phrase I AGREE in both the subject and the body of my reply email.
3. To comply with this request, as directed, a reply email containing the phrase I AGREE in both the subject and the body of this email was sent on XXXX XXXX, XXXX XXXX XXXX XXXX ).
4. Later that afternoon ( XXXX XXXX ), I received an email from the collection agency 's operation manager, inclusive of a settlement agreement dated XXXX/XXXXXXXX.
5. At the end of that afternoon ( XXXX XXXX ), after reviewing the contents of the attached settlement agreement -- contents that misrepresented the agreement as discussed on the phone earlier that afternoon -- a follow-up email requesting clarification of this document was sent to the operation manager. Surprisingly, this inquiry received no response.
6. On Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a second follow-up email requesting confirmation that the settlement agreement reflected the total and complete financial agreement for this account to be paid in full was sent to the operation manager. Again, this inquiry received no response.
7. On Friday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a third follow-up email requesting confirmation that the attachment reflective of everything that I am responsible to pay in order for the account to obtain a zero balance? was sent to the collection agency 's operation manager. Once again, this inquiry received no response.
8. On Wednesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a fourth ( and final ) follow-up email requesting confirmation that the settlement agreement was, in its entirety, the financial agreement for this account to be paid in full. Yet again, this inquiry received no response.
In short, over the span of nearly XXXX weeks, 4 attempts were made -- in writing and per the collection agency 's request -- to secure clarification on the settlement agreement that was provided by the agency 's operation manager. Each of these 4 attempts were respectfully made in good faith for the purpose of reconciling my delinquent account and executed according to the terms by which the collection agency required for written communication on this matter to transpire.
On XXXX XXXX, XXXX, a final judgment filed in XXXX XXXX ( FL XXXX XXXX XXXX was entered in favor of the collection agency.
In the time that has followed, I have made multiple requests to reconcile this account. Those efforts have been entirely futile. At some point, between the collection agency 's failure to return a written response XXXX XXXX XXXX XXXX and XXXX XXXX, a final judgment was rendered. I do not recall being sued or served papers at any point during this time frame. While I am fully aware that a judgment has been entered against me, I am curious as to whether or not I have any legal remedy at this point.
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| 03/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern, I am responding to your contact about a debt you are trying to collect in the amount of {$1700.00}. Please supply the, information below so that I can be fully informed : Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you determined that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
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| 02/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern, I am responding to your contact about a debt you are trying to collect in the amount of {$4800.00}. Please supply the information below so that I can be fully informed : Why do you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you determined that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. To make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
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| 05/26/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American, Servicemember |
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I have been getting numerous calls from a 3rd party debt collector, calls coming from several different states, businesses that are required by Law to be registered with either t hat State/STATE Attorney general of the Secretary of State. The several number are l isted on my caller ID. one call fo r for an alleged debt going back to 1998. My understanding is th at Portfolio Recovery Associates, LLC, purchase alleged debt for pennies on the dollar from other vendors.Recover y of the full amount of alleged debt is then the basis of the recurring phone harassing calls. What I find as cause for the Constitutional complaint is that when I contacted the Attorney General or Secretary of State, neither Government or also traded as by company name XXXX XXXX XXXX XXXX XXXX , represents The Public/electors. That both the Attorney General and Secretary of State are associates, corporate agents, not part of the FDIC or Title 12 Ba nking industry, w ithin 28 USC 1332, on an alleged debt that by statute should have been discharged.
What I find is that the agents to/for Portfolio Recovery Associates, LLC, that are not registered to do business in the state in which the calls are made, interstate commerce, to my Kentucky phone numb er, reverts back to a failure of the Government/elected office to perform a UCC Fiduciary Duty required of those offices, then failing to respond to 'Public Outrage ' is U CC perjury to the oath taken. That XXXX XXXX XXXX , has a Right, by failed action of both Attorney general and Secretary of State, by statute enforced Congressional Act, Title 42 USC 1988 Private Attorney general Act. That damages/credit alleged by Portfolio Recovery Associates, LLC, is in fact applied to the signature ( s ) for the Public Office, reference 31 CFR 363.33, of both Attorney General and Secretary of state related to originating phone numbers of agents that call/engage in interstate-commerce to my Kentucky address. Discharge of alleged debt is by signature to the Treasury Direct account of DBA Attorney General and DBA Secretary of State. That 31 U.S.C. 3729 - U.S. Code - Unannotated Title 31. Money and Finance 3729. False claims, applies in these instances, as a 14th Amendment section 4 'Bounty on a Public Debt, x 3 for Civil RICO. that in this instance, both DBA, Attorney General and Secretary of State are associates to Portfolio Recovery Associates. LLC.
31 U.S.C. 3729 - U.S. Code - Unannotated Title 31. Money and Finance 3729. False claims, where both Government/DBA offices, allegedly only represent, Offices and Agents of the STATE, not the elector/general public. 31 CFR 363,33 is 28 USC 1343 Statute of the District of Columbia, 40 U.S. Code 5108 - Audit of private organizations Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) A private organization ( except a political party or committee constituted for the election of federal officials ), whether or not organized for profit and whether or not any of its income inures to the benefit of any person, that performs services or conducts activities in the United States Capitol Buildings or Grounds is subject to a special audit of its accounts for each year in which it performs those services or conducts those activities. The Comptroller General shall conduct the audit and report the results of the audit to the Senate and the House of Representatives.
( Pub. L. 107217, Aug. 21, 2002, 116 Stat. 1178. )
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| 05/12/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Portfolio Recovery Associates sent me letters regarding a debt of {$1200.00} regarding account numbe XXXX XXXX with former creditor XXXX XXXX . I called and ask for proof that this debt was mine because I do not have knowledge of this debt. The rep, XXXX , in XXXX who assisted me said their company brought the debt from the original creditor and a electronic file was received. I asked can I please be mailed a copy of the contract that was allegedly signed by me proving I owe this debt from XXXX . I then received another letter exactly like it, which did not contain any of the requested information. It only gave basic information about me and the creditor who charged it off, nothing more. This is not proof of a debt. This debt is also on my credit report.
I called again on XXXX XXXX , asking again for this information and the rep I spoke to did not have this information. Then a supervisor name XXXX got on the phone and was rather rude in assisting me due to me questions. The supervisor mentioned to me they have basic information ( name, address, birthdate, job they had listed and email address ). I explained that is public record information and that is not my email address. I asked again for a contract, which the supervisor stated they did not have, but have a statement from the original creditor and terms and conditions page. I again asked is it signed by me and asked well can you provide banking information, canceled checks, money orders or cards used to make payments and this was not in the file either. Neither supervisor or the rep could even tell me what kind of debt it was. One said a computer maybe and one stated maybe a line of credit.
I asked to show proof of the debt and XXXX mentioned she see the request in the file, but she did n't think the first rep told me it had to be in writing and then provided me with the address and said I had 10 days to respond. I was told by a friend its actually 30 days. The supervisor then rudely mention that I could of opened this up online as far as she knew and that this has been " kicked around and it normally comes back favorably in their favor '' as well as their legal department does n't take these things lightly. I found this to be threatening and insulting and then I stated, but you ca n't prove that I did. I 'm asking for PROOF not public information that anyone could get and fraud happens all the time.
I am very confused for several reasons. One if I allegedly owe this debt they are a third party who obviously brought this debt, meaning the debt was charged off by the original creditor and the debt was not with Portfolio Recovery Associates, nor do I have a obligation or contract with your company. Secondly, they do not have valid documentation from the original creditor proving this debt. I am sending in a written request on today 's date.
I am requesting the entire file on this debt and the proof that this is mine and any transcript conversations as well to be sent to the address on the letter. I am also asking that if any legal steps or legal filings has been taken that it by law has to be sent to me by certified mail with me signing for it and that it is ceased due to proving this alleged obligation.
No legal documents should go beyond me receiving it and being made aware. It is my right that if they can not prove this debt is mine to stop harassing me regarding payment and to have it removed from my credit report.
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| 12/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been trying to resolve a account that is in collections with portfolio recovery for the last year. Portfolio recovery took my debt from a XX/XX/XXXX card I stopped paying on back in XXXX. I stopped Paying on the account because in XX/XX/XXXX I entered a XX/XX/XXXX for XX/XX/XXXX treatment and when I left the facility in XX/XX/XXXX, I was involved in a XX/XX/XXXX where my partner wasXX/XX/XXXX and I sustained numerous XX/XX/XXXX
Before entering the facility I was working something out with XX/XX/XXXX because I notified them that there was fraudulent activity on my card and they failed to address my claim. In XX/XX/XXXX I relocated to XXXX XXXX XXXX XX/XX/XXXX from XXXX XX/XX/XXXX and I notifiedXX/XX/XXXX that I had moved yet they were sending statements and notifications to an address in XXXX that I hadnt lived at since XX/XX/XXXX. I never heard back fromXX/XX/XXXXXXXX about my fraud claim and was not notified of them sending my account to a collection agency. I wouldve at least liked the opportunity to try to work something out with XX/XX/XXXX XXXX instead of them sending my account to collections and putting it on my credit report especially after the fraudulent activity on the card Went unresolved. In XX/XX/XXXX Portfolio recovery contacted me and let me know that my debt was sold to them fromXX/XX/XXXXand they tried collecting on the account. I let them know that the debt amount was incorrect due to fraud on the account and that I have not received any sort of notification from XX/XX/XXXX trying to collect on the account nor was my fraud claim addressed. Since the initial contact in XX/XX/XXXX by portfolio, I have tried numerous times to dispute the amount and each time I have been unsuccessful. They told me they wanted me to send in documentation Proving that the amount is incorrect and when I asked them what documentation they were looking for they were not able to supply me with a sufficient answer. Unless they want hospital bills, or proof that I was in a car accident or in rehab, or the fact I relocated to an entirely different state and went through to the proper channels of updating my address, I am more than happy to gather that information for them. If they want proof of my contact with XX/XX/XXXX, then they can go to XX/XX/XXXX And request call records on their end because all calls should be saved since they are all monitored and recorded. In XX/XX/XXXX, portfolio recovery called me. I attempted to try to work something out with them and they declined my offer. I went ahead and disputed the amount again due to my initial fraud claim from XXXX and I did not hear from them until XX/XX/XXXX. During that XX/XX/XXXX phone call I was told I shouldve received a letter stating that my dispute was denied. There was no letter sent to me and I was told I could dispute it again and send in documentation ... Again, I dont know what documentation they are wanting and I asked them and was not given a sufficient answer again. I feel like I keep going around and around in circles with portfolio recovery and nothing is being resolved. If a company is requesting that I supply documentation, I feel like they should be able to tell me what documentation they are looking for that could help support my claim. This account in collections has held me back from trying to better my credit and I have actively tried to resolve this account with them and I feel like nothing is being done on their end.
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| 10/16/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XX/XX/XXXX, Portfolio Recovery Associates tried to serve me with papers for court at my parent 's residence. I contacted the lady serving the papers so she could serve them at my correct address. When I got the papers, that was the XXXX time I had been contacted by portfolio, to tell me they were taking me to court. I had not received mail prior to this attempt.
The next morning, I called the Lawyer listed. I asked for verification because the amount they were charging me seemed ridiculously high. The lawyer said it was just fees and that if I did n't set up payments that day, I would be taken to court. I got scared and set up a payment plan that would come out of my checking account automatically every month. {$50.00}. My first payment was XX/XX/XXXX
The conversation with the lawyer led me to believe we had handled this outside of court. A letter that XXXX mailed to me afterward also led me to believe this ( I will attach the letter ). Then, I get a notice saying I did not show up for our court hearing which was not in my jurisdiction anyway. When I got this letter, I called the lawyer and the courthouse, I went and filed a motion to set aside default. The judge ignored my request for verification of debt because XXXX ( the lawyers for Portfolio XXXX came with an affidavit signed by someone that was not even present. ( this is one reason they are currently being sued by others ) I truthfully did not recognize the amount I was being accused of owing. The judge told me to continue paying the {$50.00} as I had been.
I filed my federal and state taxes. My state taxes did not come. I called to find out that Portfolio had withheld my refund. I NEVER got notice they were going to do this. Not before, not during and not after.
One of the biggest issues, aside from feeling like I am paying well above what I actually owe, is the way they report inaccurately to my credit reports. I believe it may be different with each agency. For certain with XXXX, they are reporting as a " revolving account '' which shows up as " KD '' ( key derogatory ) which means I am getting reported as over 180 days late every month even though I am paying as agreed in court. They tell me that is a credit agency error and that I need to resolve with the agencies but all agencies assure me this is not the case. There is no transparency in this company and I feel like they word things to purposely confuse the client.
I have asked Portfolio to correct the way it reports to my credit. They in return, made the situation worse by removing and re-adding which I felt was purposely done in retaliation.
I have documents from Portfolio 's lawyer ( XXXX ) where they state " On or about XX/XX/XXXX, XXXX XXXX, XXXX " Defendant '' ), entered into a Contract for certain credit with PORTFOLIO RECOVERY ASSOCIATES , LLC, XXXX " Plaintiff '' ) ... I never entered into a contract with portfolio. My contract was with XXXX XXXX XXXX XXXX. XXXX is a debt buyer.
Also, please see the letter attached. the Paragraph that begins " Pursuant to Defendant 's request ''.
In response to this, they say I was making payments and or partial payments up until XX/XX/XXXX but they filed their motion a month earlier than that XX/XX/XXXX. I had already made XXXX on time consequetive payments by the time a judgement was entered against me. I have attached proof of those payments. The first XXXX XXXX XXXX ) was processed before they filed their motion on XXXX XXXX.
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| 01/31/2017 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
Older American |
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This complaint is related to complaint XXXX, submitted on XXXX XXXX, XXXX. In that former complaint, I stated that I had settled outside of court to pay an alleged debt at a certain rate, but that the collection agency, Portfolio Recovery Associates , LLC, ( PRA ) initiated garnishment of wages 11 days later. After the CFPB reported my complaint to PRA, I received a reimbursement of the garnished wages and a notice that the garnishment was terminated.
Once again, in XXXX XXXX, PRA has begun garnishing my wages for that same account, which I agreed to pay at a certain rate in XXXX, but instead of which PRA garnished my wages, then returned the garnished funds after the abovementioned complaint XXXX. Once again, I will not be able to pay my bills due to the current garnishment.
In sum, an agent of PRA approaches me outside of court in XXXX XXXX, solicits and obtains an agreement to settle a debt, does not respond with the result of the proposal until I am called before the judge at trial, at which time he informs me, while before the bench, that my proposed terms of out of court settlement have been accepted by PRA, and shoves a multipage document in front of me to finalize the arrangment. It turns out that the document I signed was actually a court document titled 'Judgement ', and PRA has used that document as a basis for garnishing wages in XXXX, reversing the garnishment when contacted by the CFPB, then has re-initiated garnishment again in XXXX, resubmitting the same documents as in XXXX.
For your convenience, the text of former complaint ( XXXX ) follows : " In about XXXX XXXX, I was summoned to court in XXXX to respond to a lawsuit submitted by XXXX XXXX, XXXX, on behalf of " Portfolio Recovery Associates ''. When my name was called during the court proceedings, the representative from XXXX XXXX, XXXX, a lawyer named XXXX XXXX, informed the Judge that he would talk to me outside the courtroom, rather than take the next step toward a trial. '' " I met XXXX XXXX outside as requested, and he asked me to offer some amount in terms of a monthly payment. He said the amount did not matter, just submit a proposal and let the creditor respond. I then proposed {$100.00} per month, which proposal he said he would submit to the creditor. " " I did not hear from XXXX XXXX or his firm again regarding the above proposal of {$100.00} per month prior to my appearing in court at the next appointed court date ( XXXX XXXX ). '' " At the XXXX XXXX hearing, when my name was called, I went to sit down at the table before the judge, where XXXX XXXX was already seated. As I sat I said to XXXX XXXX that I did not receive a response from his firm regarding the {$100.00} per month proposal. He pushed a multipage document in front of me stating that my proposal had been agreed to, and that I only need sign the document before me to finalize the agreement. '' " I signed the document expecting to receive a copy of it, but that was never given to me at the proceedings or subsequently by mail. Since this was done before the court, I assumed that due process of presenting a copy of the document would be part of the proceedings. '' " Recently, I observed that my direct depost had been reduced by {$1000.00} per month due to garnishment ( that would be the full amount permitted by Hawaii law ), and now, on XXXX XXXX, XXXX, do not have enough funds in my account to pay rent this month, let alone any other expenses. ''
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| 01/22/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a call from Portfolio Recovery earlier in XXXX of XXXX regarding an account coming from XXXX XXXX. I was completely confused because I currently have an active XXXX XXXX credit card in good standings that I acquired in XXXX and I also began banking with XXXX in XXXX. I then proceeded to check my credit report and found there is a public file which I do n't know what it 's for. I would like verification of this debt as follows SSN # XXXX To Whom It May Concern, I am sending this letter to you in response to a call I received from your company. Be advised, this is not a refusal to pay, but 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.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 11/15/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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When I pulled my credit report on XXXX XXXX, XXXX there was a collection account reporting to XXXX ONLY in the amount of {$6600.00} with a date opened of XXXX XXXX. The account was missing lots of information such as the last activity date, the high balance, how many months it was reviewed etc. It also showed an original creditor of XXXX. I am unaware of ever having an account with this company much less aware of having one that was for this large of an amount and unpaid. Nowhere on my credit report was there an account listed for XXXX stating that I had n't paid it nor can they find one in their system when I called. On XXXX XXXX XXXX I sent Portfolio Recovery requesting itemized statements as well as a contract bearing my signature for this supposed debt and I sent the mail certified. They have still yet to respond to my request and they have still yet to ever send me notification of this debt giving me the right to dispute the account or even disclosing who the original creditor was and their contact information. However, the information NOW not only continues to report to XXXX but suddenly reported to XXXX only 5 days after Portfolio received my letter of dispute. Again, they 've yet to respond to with anything via mail at this point and it 's now XXXX XXXX, XXXX. The account clearly states that it 's been disputed and that I have disputed after resolution, however, there has been zero resolution because they are braking the law in more than one way. On top of suddenly reporting the account to XXXX, they also reported the account to XXXX but rather than reporting as they are Portfolio Recovery, they are reporting as the original creditor XXXX XXXX. On my XXXX credit file an account suddenly showed up at the same time Portfolio Recovery reported to XXXX with the same acccount number, the same date opened, etc. however the name of the account is not Portfolio Recovery it 's XXXX XXXX. The account also states that the account was disputed but in fact that is not the case but when I sent the letter to Portfolio Recovery, XXXX XXXX did n't exist on my credit report so I had no account to dispute at that time. I do n't understand how collection agencies are able to get away with these type of illegal activities. To sum it up, here are all of my issues with this account and their reporting : * Account only existed with XXXX in XXXX but as soon as they received my letter of dispute they popped on XXXX and XXXX.
* They 've still yet to respond to my letter of dispute with any information requested nor the name and contact of the original creditor.
* They are reporting as an original creditor on my XXXX credit file with all the same information as they are reporting on the other XXXX bureaus except the name of the account has changed to XXXX XXXX. It 's impossible to have an account with an original creditor with all the same information including the date opened etc as the collection agency that is reporting the debt.
* The account they have reported with XXXX as disputed, was never disputed with XXXX XXXX it was only disputed with Portfolio Recovery and this is only more evidence that they are reporting the account under the original creditor then as themselves. They are impersonating themselves as XXXX XXXX XXXX with my XXXX credit file.
* XXXX XXXX did n't exist on my credit report with XXXX or any of the other XXXX bureaus until after Portfolio Recovery received my dispute letter.
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| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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My name is XXXX XXXX XXXX am writing this complaint against PORTFOLIO RECOVERY ASSOC., ACCOUNT # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX.. I sent a certified letter to PORTFOLIO RECOVERY ASSOC. on XX/XX/2021 ( letter and certified receipt ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of XXXX were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec.809 ( b ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants the authority to PORTFOLIO RECOVERY ASSOC. this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC., in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ _________________________________________ Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
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| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I made previous complaints to XXXX XXXX XXXX to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never provided my wet signature proving I have done business with them. I'm demanding they send me the forward flow agreement. I don't have an attorney representing me either yet. I demand a real correspondence and not a stall tactic with your last few response back saying you will continue to honor your attorneys notice of representation regarding the XXXX account ending in XXXX. If you were honor my request you would've cease and desist reporting to XXXX, XXXX, XXXX. The Consumer Financial Protection Bureau already ORDERED Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations.
After getting caught red-handed in XXXX, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB XXXX XXXX XXXX . CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market.
Portfolio Recovery Associates is a wholly-owned subsidiary of publicly traded PRA Group XXXX XXXX : XXXX ), and is one of the largest debt collectors in the United States . The companys principal headquarters is in XXXX, Virginia. PRA Group reported net income of over {$180.00} XXXX in XXXX.
In XX/XX/XXXX, the CFPB ordered Portfolio Recovery Associates to pay more than {$27.00} XXXX in consumer refunds and penalties for deceptive debt collection tactics. In that case, the CFPB found that Portfolio Recovery Associates collected on unsubstantiated debt, filed misleading affidavits in debt-collection actions, misrepresented that it intended to prove debts if consumers contested them, and misrepresented that the company had legally enforceable claims to debts outside of the applicable statutes of limitations. Enforcement Action Under th
e CFPA, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The CFPB alleges that Portfolio Recovery Associates violated the XXXX order, the CFPAs prohibition on deceptive conduct, the FDCPA, FCRA, and Regulation V.
If entered by the court, the order would require Portfolio Recovery Associates to : Provide redress to consumers : Portfolio Recovery Associates would pay at least {$12.00} XXXX to consumers harmed by its illegal collection practices.
Clean up its faulty operations : The order prohibits Portfolio Recovery Associates from collecting debts unless it has access to certain documents that meet its obligation to have a reasonable basis to believe it is collecting debts that consumers actually owe.
Fix its failures to properly respond to consumers : The order requires Portfolio Recovery Associates to improve their response when consumers report that they do not owe a debt because of fraud or identity theft. And it ensures that Portfolio Recovery Associates adequately responds to consumer disputes in a timely manner about information Portfolio Recovery Associates has furnished to consumer reporting agencies.
Pay {$12.00} XXXX in penalties : Portfolio Recovery Associates would pay a {$12.00} XXXX penalty to the CFPB, which would be deposited into the CFPBs victims relief fund.
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| 03/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I file a dispute with portfolio recovery.
Account number XXXX Debt collection company reporting as factoring company with a one month loan term and updating " failure to pay '' every month as if they were a creditor in an attempt to defame my character and has done tremendous damage to my credit report.
As a brief background, I sent them a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) on ( 3/7/2018 ).
In that Notice of Direct Dispute, I included all of the requirments of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 ( d ), namely : Identification of the specific information that is disputed, my basis for the dispute and relevant information necessary for you to act on this dispute.
I thus received a compliant Notice of Direct Dispute pending ( 1 ) I then received a notice that tells me to send all disputes to another address on XXXX XXXX XXXX instead of XXXX XXXX XXXX where I sent the original dispute with and tells me contact XXXX XXXX to discuss this account.
( 2 ) I then resend the dispute to the address that you requested at XXXX XXXX XXXX.
( 3 ) I then received another notice telling me to send disputed to XXXX XXXX XXXX..and contact XXXX XXXX to discuss this account. Since I already did this, I ignore the notice.
( 4 ) I then received the same letter from their office that now says to contact XXXX XXXX to discuss this account and to send disputes to XXXX XXXX XXXX.. again I already did this, notice ignored.
( 5 ) I then get a notification that says the tradeline was deleted from all 3 credit reporting agencies. Fair enough, I no longer consider this dispute open.
( 6 ) I then received another letter stating the company has validated the debt and considers this matter closed. I am disputing inaccuracies. NOT DEBT VALIDATION ( 7 ) I then received another notification from the credit agency that the company re-added the same tradeline that they just deleted back to my credit report as a collection.
In my dispute, I clearly state that they are reporting inaccurate and incomplete information that also does not align on my credit reports thus damaging my credit. I sent them all three reporting that clearly show that my disputes are valid, incomplete and inaccurate.
I, as a consumer, have NEVER had an account executed with them, not as a factoring company, installment or revolving. They ARE NOT a creditor and can not report payment history, past due balances, lateness, or failed to pay. They are debt collector and should report as so.
The relevant information being reported by the company to the credit agencies..
XXXX Account status closed Account type open No terms Last updated XX/XX/XXXX No original creditor " Past due '' balance of XX/XX/XXXX And payment history says " Paid on Time '' as of XX/XX/XXXX..
XXXX reporting : Account status open Account type is collection No past due amount No payment history..
XXXX reporting as Account status closed Account type " factoring company '' Past due balance {$410.00} Terms 1month Payment history " failed to pay '' XX/XX/XXXX and has updates every month as failed to pay.
portfolio recovery has intentionally misrepresented reporting on my credit report. I have notified them in writing only to receive Erroneous replies about debt validation in an attempt to keep reporting inaccurate information. They deleted the account then re reported a tradeline by claiming to be the original creditor
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| 03/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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RE : Portfolio Recover Associates, XXXX XXXX XXXX XXXX, VA XXXX I attempted to file a XXXX complaint however because this case already went to courts it does not qualify for a XXXX complaint. Instead they suggested I contact your office. This company, Portfolio Recovery Associates has tarnished my credit without allowing me the opportunity to resolve and satisfy this debt. Had they notified me, they would have known that I did not pay as a result of disputed charges that went unaddressed by the creditor.
The first notification I received from this company was the notice I received from my employer regarding a garnishment that was awarded through the courts. I was never served notice and was not aware of the court hearing as papers were served to a previous address. Upon receiving the wage garnishment notification I reached out immediately to the court and to Portfolio Recovery as suggested by the court. After numerous attempts and their poor misconduct, abusive employee tones and behavior on calls and their unprofessional work ethics I requested a cease and desist. The level of disrespect received upon answering their call at work or in front of others was too embarrassing and gave me XXXX at the thought of having to deal with their nonsense. I feel that as a result of me filing a cease and desist, they are retaliating against me and now refuse to acknowledge or even discuss any resolution which is resulting in me not being able to purchase a home, fix my credit and move forward with my life.
Since requesting cease and desist I attempted to reach out directly to the creditor in which they are collecting for and was advised that since they sold the account to Portfolio, unfortunately I would have to deal with them. I have sent them letters offering settlements and they do not respond. I discussed and offered settlements via phone which was forwarded to the collection agency under Attorney XXXX XXXX XXXX. A letter offering settlement and calls offering settlements were ignored and ultimately denied.
As a final resort I took the case back to court on XX/XX/XXXX, since I was never involved the first time to defend my case. I met with the Attorney representing Portfolio Recovery who denied my request and decided to proceed with garnishment that was previously approved. Because I have a current garnishment that does not finish until XXXX my argument on XX/XX/XXXX to Attorney XXXX office is that they are attempting to collect {$3100.00}. Based on the fact that my current garnishment does not end for another year and by the time it does end and this one kicks in they will be paid at minimum {$25.00} biweekly. Instead I offered to pay a lump sum in the amount of {$1000.00} immediately to settle the account. This is more than 33 %. Between original creditor XXXX XXXX XXXX, the collection agency Portfolio Recovery and the attorney office of XXXX XXXX XXXX, they have tarnished my credit long enough.
I have children and am XXXX. At this time I am trying to purchase a home as I have not been able to do so for years. This company fraudulently took this case to court under the impression that they legally served me but never did. After all that I still attempted to satisfy the debt and settle on an agreed amount and am asking your office and team to please get involved. This company is a fraud! They are messing with real lives and doing the worst. This is my complaint.
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| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020, I sent out three debt verification letters to three companies. XXXX, XXXX and Portfolio Recovery. I received a response from XXXX who stated they had no valid information to validate the debt and was removed from my credit report immediately. I never received a response from XXXX or portfolio. According to the FDCPA, I waited the 30 days and then gathered my information and sent it to XXXX. I contacted XXXX after 30 days to find out what was the status of the case. The first time, they had no info and after explaining that I had not received a response from the debt collector under the FDCPA law, I was asking for a decision to be made. The representative from XXXX stated that the debt collector, even though they had received a validation letter that needs to be answered within 30 days under the FDCPA, did not have to respond to me and could do so at their leisure. I explained to him that either he didn't know the law or he was just not listening to me, but as a professional, should not be giving out false, misleading information. I went ahead and requested a supervisor, who told me to contact FTC and file a identity theft case. I just couldn't understand why I couldn't get an answer or help. I went ahead and reached out to Portfolio Recovery to find out what information they had and were using to validate this debt. The representatives were rude and continuously talked over me. I explained the situation again regarding request for validation, and that I never received any. The representative stated that verification was sent, but to a address in Delaware where the account has no statue. I asked why the information wasn't sent to the address on the debt validation letter, and I was told that not because I send in a piece of paper with an address on it doesn't make it valid. The representative continued to tell me this was their policy and they would never send it to my current, or the address provided on the verification letter. I then asked her why after 2 months of requesting information, was I sent a letter dated XX/XX/2020 from Portfolio Recovery stating that the statue of limitations to collect on this debt has expired. This was very recent. She became quiet and stated I needed to call back and speak to someone in the dispute department. XXXX was very unprofessional and both calls needed to be escalated to the supervisor just to get minimal assistance. These companies XXXX, XXXX, and XXXX hold peoples lives hostage by creating or allowing false information to pollute your files. It is said that trying to clean up and fix your credit is harder than getting into XXXX XXXX. I have disputed this information over and over and have not gotten anywhere. I believe XXXX violated their oath by allowing Portfolio, XXXX and XXXX to keep negative information on my credit report, which in turn has hurt me mentally and financially. For years, XXXX and the other credit companies allowed XXXXXXXX to continuously place a collection account on my credit report with no verification. I have disputed this a few times as well. All it took was one verification letter for XXXX to get back to me stating they have no info to validate this debt. This is the reason I believe XXXX is complicit in false information to consumers, failing to accurately and thoroughly investigate a dispute, and lastly, failing to keep consumers safe from false information entering their files.
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| 05/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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You have the wrong social in your system per your response!
I disagree with the item listed below which still appears on my credit report, even after your investigation. I want this item immediately removed from my consumer reports. These inaccuracies are highly injurious to my credit rating.
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. I have been trying to rectify this with your company for over a year now. To date, you have not done your due diligence as mandated by law. Your non-compliance with federal law is unacceptable, and your disregard for it contemptible. Rest assured I can hold you accountable.
As indicated by the previous CFPB # XXXX complaint. Your response stated and I quote Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase.
Again, the alleged debt was not properly investigated because you have the incorrect social security number per your response and supposedly records from your investigation.
On top of that after my initial dispute with the credit agencies, you proceeded to mail a simple bill that is NOT considered a " validation of debt '' by any means and violates several consumer laws under FDCPA. Marked as exhibit A in attachments.
Please also be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least eight sections of this act and I should be compensated pursuant to 15 U.S. Code 1692k ( a ) in the amount of {$1000.00} for each violation. See attached invoice I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
I highly doubt that this {$8000.00} debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. Again I demand your remove ALL information resulting from this pursuant to FCRA 605B ( 15 U.S.C. & 1681 ( c-2 ) which states that this account must be removed within 4 Business Days of receipt.
If I receive anything other than absolute proof from you, provided by the original creditor, I will assume you are harassing me and ignoring my cease and desist, ( see attached ), and I will take action against you for these continued violations and abuse.
Consumer Violations : Please see attached invoice.
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) -Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 15 USC 1692B ( 2 ) - communicating with a consumer that such owes any debt 15 USC 1692F ( 1 ) - collecting of any amount without expressly authorized by the agreement creating debt 15 USC 1692D ( 1 ) - harming my reputation/ defamation of character by reporting incorrect information 15 USC 1692B ( 5 ) - use of symbol and communication stating debt collector 15 USC 1681B ( 2 ) - furnishing information without consent from the consumer 15 USC 1692c communicated with me without me giving direct consent to do so 15 USC 1692e ( 10 ) - use of any false representation/deceptive means in an attempt to collect the alleged deb
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| 08/14/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been XXXX submitting any disputes or other information -- - on my behalf.
I will expect that with this deceleration that you allow for the CFBP to simply follow procedures in both the acceptance of a dispute and then, the response to the same in this portal.
I OWN this account, and do not dispute its ownership. Classification of this issue as anything else is against all rules and then laws that govern your compliance to react to a consumer inquiry, as XXXX has done XXXX times in XX/XX/XXXX alone.
This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. Attached are screen shots of the current status of the Portfolio Recovery Assoc. ( PRA ) account on file with XXXX. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted.
Please do not manually " update '' the record any further, in a XXXX decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily.
The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. Have been provided.
1. Portfolio Recovery Assoc, is a CLOSED collection account. XXXX. This account continues to remain OPEN, with no DATE CLOSED. XXXX has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate.
2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample XXXX report ( from XXXX published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - XXXX ( its own published document ) for this CRA 's standards for a credit report. Insertion of a collection account3. According to the XXXX and the XXXX, and the XXXX file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are XXXX -- Collection Agency/AttorneyXXXX -- Returned CheckXXXX -- Factoring Company Account ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only.
Please see the attached XXXX layout specification, pulled from a search online.
5. XXXX has added a PAY HISTORY ( deleted, added, re - added ) Portfolio Recovery Assoc has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of XXXX days past due. This value is dedicated to Credit Grantors, as per the XXXX, XXXX and the XXXX File specification standards.
File Name XXXX - Past Due XXXX.
6. Portfolio Recovery Assoc - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( XXXX ) standards.
This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side.
Delete the INNACURATE and INCOMPLETE Accounts
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| 07/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have 3 accounts with Portfolio Recovery that are allegedly owned by Portfolio Recovery since XXXX. I submitted an electronic request for a Letter of Validation and Last Statement from Portfolio Recovery on XX/XX/XXXX, they sent me a 'Courtesy to Debtor ' letter for all 3 accounts, I didn't not receive The Last statement. When I called to inquire about my initial Electronic request, I was told by a rep that there are " issues '' with my account and she needed to speak to a manager. When I inquired what the 'issues ' were, she stated that she is not able to find what I am requesting. I requested to speak to the manager and she told " I am a XXXX XXXX XXXX, there is no need to speak to a manager. Placed me on hold, and stated she would be sending me my requested documents, Then transferred me to the disputes department without allowing me to verify what she was sending me.
When transferred to the dispute department, I requested to be electronically sent my requested documents. The rep then disclosed to me that they are not allowed to send items electronically, however my initial request was sent electronically. I opted in for electronic disclosures, and now being told " they can not send them electronically ''. She stated she was submitting my request to dispute the debts. I requested again to speak to a manager and was place on hold for XXXXmins, from there I was being 'transferred for an additional XXXXmins. I keep getting transferred to different managers who are unable to issue me a Letter of Validation and Last statement.
In addition to the 3 inquiring accounts that I did not receive an initial letter of validation, I received a new account for some medical bills, that was clearly a letter of Validation. Those accounts have been removed from Portfolio Recovery, since I took care of the debt with the original creditor. However, it is clear that Portfolio Recovery has changed their practices to now be in compliant with Federal regulations.
Portfolio Recovery, can not verify a letter of Validation or last statement and is reporting the 3 accounts on my credit report. If there are " issues ' with my accounts, they can not provide me with the requested documents and their most recent Model disclosures are now in compliance with Regulation F and Fair Debt Collecting Practices Act, I am requesting these accounts be permanently removed from my Credit Report. The original 'attempt to collect a debt ' practice and disclosures were not within XXXX Regulations. For these reasons I am requesting the accounts be permanently removed from my credit report and the accounts closed, due to the lack of consumer verification documentation that is required in regards to FDCPA. It is clear that Portfolio Recovery, can not verify these accounts, and is 'passing the buck '. This is causing serious harm to my Credit. I am doing my due diligence to settle this manner, however if Portfolio Recovery can not provide me with the required documentation, then why are they reporting they own these accounts, why are they furnishing negative information, Why am I not allowed to issued electronic notices, when I clearly opted in online. Why does it take nearly 2 hours to get in contact with a manager who able to answer my questions. They are being deceitful in their debt collection practices and it is clearly cause due harm to me as a consumer. These are clear UDAAP violations.
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| 07/13/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My name is XXXX XXXX I am writing this complaint against PORTFOLIO RECOVERY A, ACCOUNT # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX. I sent a certified letter to PORTFOLIO REC ASSOC. on XX/XX/2021 they receive it on XX/XX/2021 ( letter and certified receipt is attached with this complaint ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of Virginia were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) and FDCPA Sec.
807 ( 8 ) and FDCPA 809 ( b ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 15 days from the date of your receipt of this request for validation.
______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased?
XXXX Amount paid if debt was purchased : XXXX Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt PORTFOLIO RECOVERY ASSOC collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed TYPE OF ISSUE Didn't receive enough information to verify debt to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC, in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
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| 07/04/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have tried through the credit agency, XXXX to inform Portfolio Recovery Assoc. that the debt that they purchased from XXXX XXXX the financing affiliate of XXXX XXXX is not applicable to me any longer, given that I have asked XXXX to take back their laptop and they have refused to do so. In XX/XX/XXXX, I was shipped a defective XXXX laptop which came with numerous technical issues from the initial period since the time that I unpacked it from the shipment box. I called and tried to work with XXXX to resolve the technical issues numerous times. I talked to well over 20 + XXXX representatives who attempted to resolve the technical problems but after many hours wasted and numerous attempts they could not fix the technical issues with the XXXX laptop. The laptop would work for a few days or weeks and then the problem would resurface or new problems would start. In speak with XXXX XXXX Operating Support Manager, I was told that XXXX was responsible for the XXXX laptop 's BIOS issues but XXXX refused to admit that they had BIOS technical issues before shipping me the laptop. XXXX was not able to help me fix the laptop 's numerous issues. I pleaded with numerous XXXX technical representatives to fix the technical glitches and they were not able to make the laptop work as it should. I wasted in excess 50+ hours with technical representatives on the telephone. My frustration grew exponentially, then it finally reached its crescendo ( end ). I was told the only final step I could take was to speak with the XXXX XXXX XXXX XXXX. I was connected with XXXX XXXX - XXXX | XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX, Extn : XXXX, email : XXXX. XXXX didn't care and said that they have tried everything they could and there was no one else at XXXX to speak with about my concerns to get the laptop to work as it should. He was the ONLY and final person at XXXX that I could speak with about my dispute and any of my concerns. I exchanged repeated calls and emails pleading with him that I needed to escalate it to management above him. He refused to give me any other contacts or their contact information. He was extremely rude! I had my last email exchange with XXXX on XX/XX/XXXX when I told him that I wanted to speak with his manager which he refused to provide me that information. I stopped paying all financing charges and told XXXX that I would only deal with someone else as he was being rude and told me that there was no one else to speak with at XXXX. I HAVE ALL MY EMAIL EXCHANGED WITH ALL THE XXXX REPRESENTATIVES INCLUDING XXXX. I CAN SHARE THESE WITH YOU. IF YOU PROVIDE ME AN EMAIL TO FORWARD THESE TO YOU? I HAVE ALL RELATED AND SUPPORTIVE DOCUMENTATION AND EVIDENCE.
Bottom line, I have asked XXXX and Portfolio Recovery Assoc. who bought the debt from XXXX XXXX the XXXX affiliate that I entered into a financing agreement for the XXXX laptop I purchased in XX/XX/XXXX to take back the laptop as it is defective and an oversized paperweight. I am not in any position to pay for a defective laptop that is worthless. I made my monthly finances charges from XX/XX/XXXX up to XX/XX/XXXX. But then after these months of working and trying to resolve all the technical issues with XXXX, and since they could not fix the technical issues, I stop making my finance payments. The defective laptop is worthless to me and they can have it back! But they refused to take it back.
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| 12/08/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Creditor statements is not proper validation of debt. Kindly provide the purchase agreement if any for this alleged account. Please understand I XXXX XXXX deny any and all claims. XXXX XXXX is not asking for proof of just name or address because that is not what is in question. XXXX XXXX is not asking for verification and in keeping in compliance with G.A.P.P provide the info requested because it violates 5 USC 552a. PORTFOLIO RECOVERY ASSOCIATES LLC whose EIN is XXXX is in direct violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). Any personal information in your file that is retrieved by individual identifiers, such as name or social security number is protected by the Privacy Act 1974, which means requests for information about you may be denied unless we have your written permission to release the information to the requestor or unless the information is subject to disclosure under the Freedom of Information Act. PORTFOLIO RECOVERY ASSOCIATES LLC is in direct violation of 15 USC 1692d ( 2 ) for using deceptive language during our communication. PORTFOLIO RECOVERY ASSOCIATES LLC is indirect violation of 15 USC 1692f ( 2 ), PORTFOLIO RECOVERY ASSOCIATES LLC, is in direct violation of 15 USC 1692e ( 2 ) ( a ). I XXXX XXXX is keenly aware of the debt collection company not genuinely responding or acknowledging any of the issues stated in the initial complaints to XXXX XXXX 'S, but instead is, copy and pastes the same exact response. XXXX XXXX is aware that PORTFOLIO RECOVERY ASSOCIATES LLC has been flagged by the FTC as an abusive debt collection agency. PORTFOLIO RECOVERY ASSOCIATES LLC is a junk debt buyer. PRA attempted to sue back in XX/XX/XXXXXXXX and lost because of abusive practices. A Missouri jury ordered a PRA to pay nearly {$83.00} XXXX to a XXXX XXXX woman it pursued for a {$1000.00} credit card bill she didnt owe, XXXX affiliate XXXX reports. Portfolio Recovery Associates LLC was found guilty of violating the Fair Debt Collection Practices Act, in which they were ordered to pay {$250000.00} in damages, as well as maliciously prosecuting the woman, XXXX XXXX XXXX, over the debt that did not belong to her. For the malicious prosecution, the jury awarded XXXX {>= $1,000,000} in punitive damages. XXXX XXXX possesses. Actual proof of the many violations. Just because the CFPB has not moved on PORTFOLIO RECOVERY ASSOCIATES LLC does mean you will not get sued. PORTFOLIO RECOVERY ASSOCIATES LLC is now liable to XXXX XXXX according to 15 USC 1692K Civil liability and 15 USC 1681o for negligence. XXXX XXXX has collected a paper trail with substantial evidence against PORTFOLIO RECOVERY ASSOCIATES LLC. All of the CFPB complaints will also be used against you. I XXXX XXXX am not an uninformed naive consumer. I XXXX XXXX am keenly aware of what PORTFOLIO RECOVERYASSOCIATES LLC is doing. I XXXX XXXX DEMAND that PORTFOLIO RECOVERY ASSOCIATES LLC delete the account from all consumer reporting agencies and cease all collection activities for the last time or PORTFOLIO RECOVERY ASSOCIATES LLC will be liable under 15 USC 1692k and 15 USC 1681o, damages, punitive damages, and any other violation experiences by PORTFOLIO RECOVERY ASSOCIATES LLC.
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| 05/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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It is evident that Portfolio Recovery Associates , LLC lacks knowledge of FDCPA laws, as they have committed multiple FDCPA violations at this time. Since acquiring the first alleged account, they have encountered significant issues with the CFPB, who refers to Portfolio Recovery Associates , LLC as " Repeat Offenders '' due to their malicious practices. I will not tolerate being a victim of your company 's unlawful actions.
Firstly, PRA is in flagrant violation of 15 U.S. Code 1692g. I explicitly demanded proper verification for the new alleged account they opened. However, PRA stated, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' This violation will not be tolerated. By FDCPA law, you are obligated to provide all relevant documentation regarding the alleged debt. Your lack of cooperation is unacceptable.
Secondly, by opening another alleged account within your malicious company and illegally contacting me by mail, you have violated the cease and desist order that PRA, as a whole, was expected to honor as they said they would. This violation is a significant breach of 15 U.S. Code 1692C ( C ). You are breaking the very law by which you are regulated by.
Furthermore, PRA continues to make false and misleading misrepresentations about me, as outlined in 15 U.S. Code 1692e. They have failed to provide any genuine " Verification '' to support their alleged claims, particularly PRA is withholding documentation on this alleged account.
Fourthly, it is imperative that PRA provides a contract between us bearing my signature on these alleged accounts. Contract law supersedes all federal and state rules, regulations, and statutes. If you are the XXXX in this matter, I demand a contract that was produced with my signature on this alleged account. I do not give my permission or consent by assent for you to enter as a third party in these alleged claims, nor to issue threatening letters regarding my private property or person, including reporting these alleged claims to various credit reporting entities. My house, telephone, email, and person are private and intended solely for my personal use or for those with whom I choose to contract. If you are attempting to engage in this alleged dispute without a contract or my explicit permission, you are in trespass ( XXXX XXXX XXXX v. XXXX, 304 U.S. 64, 1938 ). I emphasize that I am not a corporation.
PRA shall produce a contract, Delegation of Authority, Regulatory Authority, or close all alleged accounts with PRA. Unless you are a second party, Holder-in-due-course, Creditor, Debtor, or Signer on the Original Contract regarding this alleged debt, you are considered a third party. As such, you are a liability and offer no assistance.
Take Notice : You are hereby lawfully and legally dismissed. I refuse to discuss my Private Affairs with an " Unqualified '' third party. In your next correspondence, please provide the instrument that establishes my obligation to fulfill your requests, along with your identification and Delegation of Authority ( to wit : UCC-501 ( b ) ( 2 ) ). Failure to comply with these demands will be interpreted as your acceptance of my offer to hold you accountable in court, as specified in 15 U.S. Code 1692k. Without Prejudice, I hereby reserve all rights.
Cease and desist immediately.
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| 08/04/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2018, I spoke on the phone with XXXX XXXX at Portfolio Recovery Associates ( PRA ) and settled two outstanding accounts with balances of {$1100.00} ( XXXX Credit Card ) and {$320.00} ( XXXX XXXX Card ). A settlement was offered and PRA accepted {$570.00} and {$210.00} ( respectively ). I was told by Ms. XXXX that this settlement settles the accounts " in full '' and that no additional balance would be owed. I was also told that my credit reports would reflect this as well. Payment was made for each account as an ACH payment, which cleared my bank account on XX/XX/2018. Within a few days, I received a notification via a credit monitoring service that my credit report had changed. I checked into the alert and saw the balances on both of these PRA collections accounts had decreased by amounts I paid but they are still being reported as open accounts with balances owed. Feeling suspicious, I phone PRA to find out what was going on. I called them twice over two days and I also recorded the conversation each time. Per Illinois eavesdropping laws, we are a one consent state and PRA gives consent by alerting customers calls may be recorded. Transcripts of both conversations are attached as supporting documentation and a copy of the recordings are also immediately available upon request ( I was unable to upload the actual recordings through this system ). I PRA called on XX/XX/2018 and spoke with XXXX XXXX. Ms. XXXX advised that each account was " paid in full, '' a phrase she used multiple times, and that I did not owe anything on either account. When asked why my credit reports were reporting as open and with balances she said it was because each account still had a balance because I paid less than what was owed, but I didn't have to pay it because they were " settled in full. '' When asked how a balance could be reported but me not owe anything she repeated that I didn't owe on the accounts but that the balance was still owed on each because I settled each account for less than what was owed. I understand PRA has the right to report accounts were settled for less than what was owed, but that does not mean the accounts are still open with balances. As you can see this made no sense. I was unable to get any further with Ms. XXXX so I ended the call. I called PRA again on XX/XX/2018 to go over this information once more and I spoke with XXXX XXXX. The purpose of this call was to again confirm each account was paid in full and no balance was owed after the settlement. Ms. XXXX confirmed this and advised letters stating the payoffs were to be mailed within 10-days of final payment. PRA is clearly misleading customers to pay them " settlements '' yet continue to report the accounts as open with a balance owed. If an account is reported to credit bureaus with a balance, that is considered a debt in the eyes of our financial system. The reporting of this false and inaccurate information is a gross violation of the Fair Credit Reporting Act ( FCRA ) and as such, PRA 's false representation to me that paying the settlement amounts would close each account is a violation of the Fair Debt Collections Practices Act ( FDCPA ). No matter how you look at this, PRA used shady gimmicks to settle these accounts by promising settlement with {$0.00} balances then but continue to report full balances in an attempt to harrass the consumer.
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report.
You're currently using 0 % of your account 's limit.
Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection.
Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX You have 92 % left to pay on this student loan.
Balance {$2200.00} Highest Balance $ 2455 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time.
Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT PAYMENT XXXX. LATE PAYMENT XXXX LATE PAYMENT XXXX. LATE PAYMENT XXXX UNKNOWN PAYMENT Current. Late. Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Worst Payment Status. Current Account Details Account status Open Type Education Loan Responsibility Individual Account.
Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Overview You have 92 % left to pay on this student loan.
Balance {$8200.00} Highest Balance $ XXXX Monthly paymentNo Info Opened XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Term No Info Payment History Youve made 31 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CURRENT PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT XXXX LATE PAYMENT Current. Late. Unknown Account Details Account statusOpen Type Education Loan Responsibility Individual Account.
Remarks Customer unable to locate consumer Fixed rate Times 30/60/90 days late XXXX Closed No Info Creditor Information US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT XXXX XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 04/20/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 XXXX D XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA XXXX XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$1000.00} TO YOUR COMAPNY This is a formal notice that your erroneous claim ( s ) is/are now disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. I am asking for proof of the original contract between myself and the original creditor with my true signature and a qualified employee of that original creditor. I want proof you have the full accounting of the original debt and to provide proof of the assignment or the purchase they made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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| 07/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I was approved for a line of credit with XXXX ( XXXX XXXX ) for {$500.00} in XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX I purchased three XXXX stating they were unlocked and could be used on any network provider and they were refurbished in new condition with a 90 day return policy because I was an XXXX XXXX member.
Upon arrival, I attempted to connect the phones on the XXXX network, purchasing a sim card. I was told they were not set up to function on their network. I then purchased a XXXX network sim card and attempted to connect. No luck. I then took the phones to XXXX and asked for assistance. They said that the phones were connected to XXXX but would need to be set up on pre-paid service only. I then took the phones to XXXX in person and discovered the pre-paid plans were more costly than monthly family plans. I set up one phone to try out the network and gave the other to my child to use as a wifi phone for games. I made payments on my credit card as agreed. I then was ready to get the other two phones on service plans when the batteries would not hold a charge. I purchased a replacement battery and tried with all three phones to no avail. All three phones then no longer turned on at all and one of the batteries imploded in the phone and cracked its screen. I reached out to the seller for return policy and to XXXX for return direction. The reply was that I was 5 days outside of the warranty period and they would not accept the return. I have emails to prove this occurred. Defective merchandise was given to me and no return allowed. XXXX stated that they could not assist because the seller was its own business within the site and they do not represent the seller. I had never purchased with credit through XXXX before. They did not provide recourse to the credit and poor service. I disputed the credit charges stating that I was provided faulty phones and false advertising and should not be responsible for them. None of the phones worked on the networks stated and none of them worked within 3 months. I did not make any additional payment on the credit card after XX/XX/XXXX.
The date of breach ( charge off ) would be XX/XX/XXXX, 90 days from the last payment in XXXX.
In late XXXX, I began receiving harassing phone calls and letters from Portfolio Recovery Associates. They stated they owned a debt from XXXX XXXX in the amount of {$750.00} that was effective XX/XX/XXXX. I provided a dispute response stating that the amount and date of effectiveness is incorrect. They sent me a letter showing the last payment received was XX/XX/XXXX and that the total amount above the due amount was due to late fees. I then created a dispute with XXXX, XXXX, and XXXX against the Portfolio Recovery Associates claim as of XX/XX/XXXX. The claim still shows status : " in dispute. '' Every time they call I tell them that they have the wrong amount due and date of breach. They do not respond, they simply hang up.
Today I received a letter from XXXX XXXX XXXX stating that Portfolio Recover Associates is suing me in civil court and provides a case number. The letter states if I do not respond, I may get a judgement against me, wage and bank account garnishment, or property lien. I researched the claim number on the letter and it is a speeding ticket case in local court that is not tied to me. The claim that I am being sued is not real.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi my name is XXXX XXXX and I am contacting you because I am a victim of identity theft and all 3 credit bureaus are reporting information that doesn't belong to me and that is fraudulent and I would like it removed from my credit report at once because it doesn't belong to me. These following items need to be removed because they are fraudulent and do not belong to me. XXXX XXXX XX/XX/XXXX amount {$230.00} please remove this is fraudulent and does not belong to me so please remove off my credit report.XXXX XXXX XXXX Opened XX/XX/XXXX {$2700.00} this is also fraudulent and does not belong to me so please remove off my credit report. XXXX XXXX XXXX Opened XX/XX/XXXX {$540.00} Original creditor : XXXX XXXX XXXX This account is also fraudulent and does not belong to me please remove it from my credit report. XXXX XXXX XXXX Opened XX/XX/XXXX {$960.00} is also fraudulent please remove this from my credit report because it does not belong to me.Portfolio Recovery Opened XX/XX/XXXX {$730.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is also fraudulent and does not belong to me please remove. XXXX XXXX XXXX Opened XX/XX/XXXX This account is fraudulent and does not belong to me please remove from my credit report. {$2700.00} Original creditor : XXXX XXXX XXXX There are also 17 credit inquiries at each credit bureau which are fraudulent and I want all the inquiries listed below off my credit report at once because they do not belong to me and are fraud. I was XXXX at the time that someone stole my identity they even filed a tax return that is fraud and I am working with police and government officials to get my identity back. Please remove all mentioned accounts in this letter as I am a victim of identity theft.Inquiry details XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX/XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + JewelersInquiry details XXXX/XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX/XXXX Inquiry from XX/XX/XXXX + Finance XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank These are all fraud and do not belong to me please remove them from my credit report
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| 02/16/2016 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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Portfolio Recover still calling me in a daily basis since XXXX when after getting divorce in XXXX, I was driven to get in debit due to cover some expenses of my ex-wife and thereafter, due to an XXXX my performance as XXXX was tremendously affected reflecting in my ability to pay my debts. At that time I was able to negotiated with XXXX out of XXXX credit cards and after a settlement agreement I finished to pay off my debits with all of the XXXX creditors, except Portfolio Recover, which was the only XXXX that refused to negotiate and receive a minimum payment until I would be able to pay as they would require.
They were disrespectful, and used abusive language, even when I called to notify that I have changed my home address in XXXX XXXX. After that they were calling me three or more times a day as usual and I decided to ignore their calls and focusing to pay the other creditors. Last year, around XXXX, I called them proposing to make payments in the amount of $ XXXX until I could increase the monthly payments. I was told that it was not acceptable, I had been delinquent for a long time and I must to pay it no more than in 2 years. They just do n't listen to me, they just repeat what they demand.
During the call mentioned above, without being advised, another employee claiming to be the supervisor, jumped into the conversation and started pressuring me. After I said I can only pay $ XXXX or nothing, he came with {$100.00} but had to be deducted from my checking account.
I replied that I would like to pay online or mailing a check because I did n't want to take the risk to have any shortage on my account and have a overdraft and subsequently being delinquent with any scheduled auto payment. He sarcastically gave me a non sense web page which I claimed could not find while with him over the phone. He then said that they do n't accept payment online and started the same harassment he was using before. I warned that I would end the conversation and report them to the bureau of the consumer financing, because they are damaging my credit history and not giving me a chance to make payments as I could afford to. After that they did n't call me for more than 30 days.
But I never did report them because I had a total loss car accident in XXXX XXXX, and forgot about to do what I am doing now.
I do n't know my account number with them because during all these years they never sent me a single letter providing me with all information including the total debit. The only letter received was a notification letter in XXXX stating that I have been sued by them in the XXXX XXXX XXXX XXXX in Florida, case # XXXX. Gladly waiting for the hearing, I was surprised with another letter on XXXX/XXXX/XXXX with a NOTICE OF VOLUNTARY DISMISSAL WITHOUT PREJUDICE sent by Portfolio Recover ( I still have a copy of it ).
While writing this notice I am suspecting now if all these years I have dealt with a collection agent scam since, all these years, during the few times I spoke with them, including last year, I can affirm that I spoke with the same XXXX people ( male and female ) due to their voice, stubborn attitude and some sort of afro descendent XXXX accent being remarkable.
Porfolio Recover - Phone numbers on my caller ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Debt to income ratio is inaccurate.. I work and collect retirement and it's not accurately evaluating my credibility. I have tried to report the issue and XXXX, XXXX, or XXXX will let you dispute and issue more than once even if its been a year past and they still wont let a dispute process with the same issue. They make you say its something else in order for them to look at it. That doesn't make sense at all especially if its the same inaccuracy from before not fixed. I even allowed them to look in my account ti boost my credit yet there are inaccuracies on my credit report that they are sending out inaccurate information.
Second is issue is own two homes without any negatives and they have my score at a XXXX and I owned my home for 7 years before I had to sell it in XXXX to a different state and 3 years later I have no credit of having it. Which it's making it very difficult to purchase another one. This is not fair to a recent retired veteran who still has income coming in but inaccurately elevated with a credit score from personal who never paid their bills and that is not the case at all.. I have XXXX collections of XXXX ( from identity theft that happened back in XXXX while I was hospitalized provided the information that supported it the company " Portfolio Recovery Associates '' keeps reporting this debt on my credit as if it just happen every year and every month and dating it as if it just happen so it can seem as if it's fresh issue and that should be illegal that's false advertising and false information this collection is XXXX XXXX XXXX but has a current date as if it just happen and has already been proven to be fraud. I still don't know who this company is, My negative on my whole report from 20 plus years of working no bankruptcies, foreclosures.. XXXX collections issues being worked that follows I have a XXXX debt that's being worked on due to unemployment reasons I mean I nearly died defending my country and couldn't work at time recovering and I've tried to make it right since then ... but identity fraud which this particular one was from is something no one can protect themselves from.. but still get penalized for it. The XXXX is being handle as we speak but shows on my credit report as a collections just happening when that happen XXXX when I was hospitalized and could not work. All three credit bureaus are reporting my income inaccurately giving me a low window of credit to debt ratio making any bank look at me as a high risk when I've own two homes, 2 cars and a bike nothing that breaks XXXX and I make {$100000.00} a year not including that I'm married and including her income with XXXX kids puts me over the XXXX figure range so doing that kind if math puts me in the debt range of % 20 debt range and 80 % positive and nothing shows it on any credit report. They currently have me as a XXXX in a housing score and XXXX on my fico score .. and saying im utlizing 60 % of my credit ratio when I only have XXXX credits card almost at their limit and i have a total of 6 credit cards that have more than 90 % if credit on them their score does not match up accurately. They mention they have a formula but this " formula '' is not accurately accessing veterans properly and needs to be look at a.s.a.p especially with retirees. We shouldn't be going through this after serving 20 plus years.
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| 04/26/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Portfolio Recovery I am writing this letter in response to a notice sent to me from your organization on XX/XX/2019. This letter is not a refusal to pay, instead it is in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. An explanation of how the amount owed was calculated. Copies of any agreements signed obligating you to pay for the debt. Provide copies or other verification of any judgment ( if applicable ). Prove that federal and state statue of limitations applicable to the debt have not expired. Identify who the original creditor of the debt was. Provide verification that the collection agency is licensed to collect in my state. Provide their license numbers and registered agent. In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
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| 11/10/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I requested a investigation/verification of this alleged debt & lates. Failed to provide me with a legal verification/validation of this account. I requested written investigation/verification of an alleged debt, Lates/CO under the XXXX & FDCPA. I requested written investigation/verification of an alleged Lates/CO under the XXXX but to no avail did they investigate/verify the alleged debt or even alleged late pays/charge off on specific dates. I requested a investigation/verification of this alleged debt & lates. I have yet to receive a response - their silence is their agreement to the facts. They failed to provide me with a legal verification/validation of this account under the rules of evidence and the FDCPA within 30 days XXXX. Validation of debts. Yes, in the state of TX a creditor that collects its on debt is covered under the XXXX.I am demanding that " Portfolio Recovery '' delete this account/derogatory information from all credit reporting agencies ( XXXX, XXXX, XXXX ), because they have not abided by the laws of the Federal Trade Commission, XXXX, FCRA, TDCPA. a.When notified of a dispute about information furnished to a CRA, 1681s-2 ( b ) obligates a person to conduct an investigation and report the results to the CRA. 15 U.S.C. 1681s-2 ( b ) ( 1 ). The XXXX Circuit has held that investigation must be a reasonable one " to determine whether the disputed information can be verified. '' XXXX., XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) .b.As the court noted in XXXX , XXXX. XXXX XXXX, XX/XX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ), " the majority of courts considering the question have drawn upon defamation 's traditional 'multiple-publications rule '. Under this rule, each publication of the same falsehood by the same defamer is a separate cause of action, thus starting the limitations clock anew. '' ( citing Restatement ( XXXX ) of XXXX XXXX ( XXXX ). In the FCRA context, this means each transmission of an erroneous credit information is a separate FCRA violation. Portfolio Recovery did n't answer the following that I asked for below and signed contract agreement : *A copy of the original signed credit application showing the terms of the agreement. *A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. *Copies of all documents and financial instruments used to pay the disputed late payments. *Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. *Copies of all documents sent to me regarding my account. *Please provide proof that the alleged account was in fact late and that you have taken the necessary steps to properly investigate your allegations. Also, Portfolio Recovery failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C.ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after '' XXXX XXXX XXXX '', furnishing the negative information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C.ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met.
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| 06/28/2016 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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Tuesday, XXXX XXXX, XXXX XXXX XXXX Portfolio Recovery Chief Compliance Officer XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX : I have been retained by XXXX XXXX. XXXX XXXX has been contacted repeatedly by Portfolio Recovery Associates , LLC the last date being XXXX/XXXX/XXXX from ( XXXX ) at XXXX eastern time regarding an alleged debt my client owes to XXXX which is the retailer of clothing and other items. Your collections or claims representatives have been informed to cease contact and all communications with my client as of XXXX/XXXX/XXXX. Again a call was placed from XXXX of your claims representatives on XXXX/XXXX/XXXX at XXXX from a female representative with a heavy accent at ( XXXX ) XXXX, stating she was calling from XXXX, I informed her I could not understand some of the things she was saying and she abruptly hung up. Again at XXXX Eastern time, I received a call on my clients phone from the XXXX, from XXXX who stated he was calling from " XXXX XXXX XXXX ''. In informed him that I had been retained as counsel for XXXX XXXX and asked what he wanted, he stated he wanted to speak to my client, I stated I am her lawyer, he asked do I take care of her personal business, I said yes, I am her lawyer. I asked for the direct address to the legal department and XXXX XXXX hung up abruptly. If your representatives are stating they are calling from a " XXXX XXXX XXXX '' and not Portfolio Recovery Associates this is possibly defraud and deception and may be against the Fair Debt Collection Act.
The account # is XXXX. This account has been closed for quite some time. Today, on a XXXX call from phone number ( XXXX ), my client informed your representative that she does not owe this debt due to the XXXX Statue of limitations. The Portfolia Recovery representative stated that the last date of activity on the account was in XX/XX/XXXX.
I am asserting that you cease and desist all communications and contact with XXXX XXXX, by email, phone, mail or any other type of communications. My client does not owe the alleged debt as the XXXX Statue of limitations, specifically XXXX 600.5807 ( 8 ) which states " The period of limitations is 6 years for all other actions to recover damages or sums due to breach of contract. '' This statue includes breach of contract and open account action for alleged default of a credit card agreement.
Henceforth, I request that you cease and desist all communications with my client. Any type of communications from here on out by mail, phone, email or other will be documented and considered harassment. I will also forward this letter to the XXXX Attorney General, Federal Trade Commission and other agency to deal with this activity. The supposed last activity on the account was in XX/XX/XXXX more than 15 years ago. According to the accurate XXXX Statues and other laws, my client has no legal obligation to this debt and will not pay this debt.
This company for years has tried to collect a debt for which i am not legally obligated. This company has called from various numbers and misrepresented that they were XXXX when asked who they are which is fraudulant, deceptive, and just wrong.
There is no reason for this company to contact me because I do not have a legal obligation for the debt and have told them several times I do not owe the debt and I am not going to pay the debt.
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| 01/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Portfolio Recovery Associates , LLC is in violation of Federal laws. Your organization Portfolio Recovery Associates Has falsely represented themselves furnished deceptive forms and violated my right to consent and privacy as well as caused injury to my character, reputation, credit standing, credit worthiness, ability to extend credit, ability to obtain gainful employment, insurance, housing and credit services As well as violated 15 USC 1692f ( 8 ).
Portfolio Recovery Associates is a debt collector and financial institution as per 15 USC 1692a ( 5 ) 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal Purpose of which is the enforcement of security interests. The term does not include- ''. Portfolio Recovery Associates is a debt collector by definition of the FDCPA.
Portfolio Recovery Associates is in fact a financial institution by definition of Federal Law. As per 15 USC 6827 ( 4 ) '' FINANCIAL INSTITUTION ( A ) in general the term " Financial Institution '' means ANY institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Proof labeled in attachment as EXHIBIT A Furthermore Portfolio Recovery Associates is an elaborate mechanism, a non affiliated third party with no first hand knowledge of the Consumer Credit Transaction in which I extended my credit to XXXX on XX/XX/2016.
You are in violation of 15 USC 1692b " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; '' Proof labeled in attachments as EXHIBIT B, EXHIBIT A and EXHIBIT C Further your financial institution has provided my non public personal information to non affiliated third parties XXXX XXXX without giving my providing me the opportunity to Opt out or giving me notice.
This is a violation of my rights to privacy and consent and 15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ( C ). Proof labeled in attachment as EXHIBIT B Furthermore your company has injured me, my reputation, my character, credit standing, credit worthiness, my ability to extend credit, to obtain employment, insurance, housing also has caused emotional stress, XXXX, marital problems by your company furnishing this information of an alleged debt owed on my Consumer Report by violating 15 USC 6801 ( a ) by providing my non public personal information to non affiliated third parties XXXX XXXX XXXX and XXXX.
Proof labeled in attachment as EXHIBIT B
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| 03/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Do not have exact dates but as company, 'records ' all calls, they should be able to verify ....
Approximately XXXX, XXXX of XXXX, was contacted by Portfolio Recovery Associates that I owe {$2400.00} dollars from a XXXX XXXX credit card that was opened in XXXX and closed in XXXX for default in payment.
I responded that I have never had a XXXX XXXX card and that someone must have opened an account as me ( fraud ) and XXXX was a long time ago to just be getting information about this.
Portfolio Recovery informed that I need to file a 'dispute ' and they would send documentation for me to fill out and sent back.
Filled out documentation, sent back and still received multiple phone calls ( asking for sensitive info ) - explained again and again, this account was not me and I filed a dispute.
XX/XX/XXXX received a packet with XXXX XXXX statements that with a cover letter that said : '' We have completed our INVESTIGATION of your dispute concerning the account. PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only thing the documents reveal is my validity and PRA, LLC as fraudulent and misleading. If there truly was an 'INVESTIGATION ', it would revel that the address used on the statements is an address I have never lived at, moreover in a city I have never lived at that is a 10 hour drive from me. I'm a teacher, the dates on the charges are for days that I was in a classroom 600 miles away. Authorized Electronic phone payments were made, did they 'investigate ' how those payments were made ( bank account, etc )? All PRA did was request statements from XXXX XXXX there was no 'investigation ' as they claimed that established the validity of me as the account holder.
In addition to being deceptive about their investigation, PRA, LLC is deceptive about their contact information. In the above mentioned letter, the letter is signed by the 'Disputes Department ' with a telephone number XXXX. When I called this number to dispute the information in the package, I was informed by the Operations XXXX XXXX, there was nothing he could do to help because this was not the Dispute Department- he could try to connect me but their hours are 9-5 ( it was after 5 ) but their number is XXXX.
In the same phone call I asked what would happen if I just ignored this- that I am done dealing with this, it has taken up way too much of my time because they are not doing what they are supposed to on their end and I am feeling harassed. The response was this was just the dispute department and they don't collect debts, but since they established, 'validity ', it will be sent back to the department that does collect and it would affect my credit if not collected.
On XX/XX/XXXX I contacted the 'true ' dispute department ( XXXX ) and was told that now I need to file an identify theft affidavit that is not available on their website, but they can mail. Again, why was I not told of this earlier as my initial response was that someone used my name to open the account.
Where am I now- frustrated and feeling like I am purposely being deceived and mislead by Portfolio Recovery Associated , LLC to make it as difficult as possible to resolve this with the underlying threat that if this is not resolved, my credit will be negatively impacted.
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| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Portfolio Recovery is telling the CFPB that these accounts are valid and they are not going to take any further steps. They are telling the XXXX the exact opposite. Please review my attachments. This company and their law firm is harassing me and they continue to make up lies and fabricate stories that aren't true. I can prove everything. I have everything documented.
If you read my attachements, XXXX stated her company investigates all disputes in accordance with the law. I have proof your Portfolio Recovery has never investigated my disputes. She also claims to have just now requested additional information from the original creditor. Why now? I have disputed this information 2.5 months ago. I also have contacted your company multiple times and asked about the 21 letters I received from your company over a 4 day time period. Most were duplicates, all generic answers, and every letter I have received in the past from your company. There was not 1 unique letter or new piece of evidence provided. Was this just pure harassment or intimidation tactics? Please respond. On XX/XX/XXXXyour company sent a letter that states the investigation is complete. Accounts are valid. On XX/XX/XXXX your company sent a letter, this account is currently under investigation. It should have been under investigation onXX/XX/XXXX when you received my first dispute letter. And I just received a letter yesterday from your company dated XX/XX/XXXX. That states you can not complete the investigation because you need more info from me. And you are terminating the disputes investigation pertaining to this account. I also attached a letter from the law firm you are using, which shows I was threatened with a law suit on my birthday. The following letter from the same law firm, written by XXXX XXXX was sent to the XXXX, and she states her company has never threatened me with a judgement. Both of your companies have lied about me, these alleged accounts, and fabricated stories. I have proof and documents of everything. I have been harassed for over 3 months now. I have not received a chain of title, which your companies claims to have. I have requested a copy multiple times. I have not received a signed contract, an assignment, consideration for the assignment, bill of sale which references me. These are required under the Illinois collection agency act. I have provided you with all of the information I have. I stated these accounts are not listed on my credit report, that XXXX XXXX has a policy of only 2 directly issued cards per consumer. I provided your company proof of this. I have also asked you to call XXXX XXXX and verify with them. You stated in your response, you especially want to review information from the consumer. I have no knowledge of these accounts. I have told your company this many times. Have you contacted XXXX XXXX?? They would be the one with the knowledge. I have also agreed to pay this debt if it turns out to be mine. If this was 100 % identity theft, these accounts would be on my credit report. Negative information stays on one 's credit for 7 years. And there would only be 2 accounts and not 3.
I demand answers, I demand Justice, and I demand a conclusion to this matter on or before XX/XX/XXXX.
I would like you to move forward with your threats, so we can settle this in court.
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| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-
reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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I requested a debt validation under XXXX Finance Code 392.202 via certified mail with return receipt to Portfolio Recovery Associates , LLC ( " PRA '' ) about an alleged debt they are attempting to collect from me. This alleged debt has also been reported to all three credit reporting agencies : XXXX, XXXX and XXXX. In my debt validation letter ( which is attached ), I asked PRA to provide me with the following : 1 ) The name and address of the original creditor ; 2 ) The original date of default or non-payment of the debt with original creditor ; 3 ) The date the debt was transferred from the original creditor to the third party debt collector ; 4 ) The original balance ; 5 ) The current balance ; 6 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) ; 7 ) XXXX Surety bond information as required by Sec. 392.101. PRA received my letter on XXXX XXXX, 2015 ( The return receipt from XXXX is attached ).
A response from PRA dated XXXX XXXX, 2015 was received by me ( this letter is also attached ). PRA, per their response, did not fully comply with my debt validation request under XXXX Finance Code 392.202, as PRA provided me with only a debt verification. PRA did not provide me with 1 ) the address of the original creditor, 2 ) the original date of default or non-payment of the debt with the original creditor and 7 ) XXXX Surety bond information as required by Sec. 392.101.
PRA, as the debt collector, has failed to properly respond to my debt validation request, and has essentially admitted, per the XXXX Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, I am requesting that the trade lines for this collections item be deleted from all XXXX credit reporting agencies, XXXX, XXXX and XXXX. I am also requesting immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
I submitted a complaint to the XXXX XXXX XXXX, XXXX as well as the XXXX Attorney General 's office stating everything I had detailed above. PRA did not delete this trend line from all XXXX credit reporting agencies and as of XXXX XXXX, 2015 this trend line is still being reported on XXXX, XXXX and XXXX.
In response to my XXXX complaint, PRA indicated via the XXXX complaint system on XXXX XXXX, 2015, they would be initiating another investigation into my " allegations '' and would send a letter within 30 days in order to resolve the complaint. I received this letter, dated XXXX XXXX, 2015 ( it is also attached ). In this letter, PRA indicated that they reviewed my XXXX complaint and since they " have already responded to a previous dispute substantially the same as [ the ] present dispute, '' their office considers this matter closed. They also stated that " if [ they ] continue to receive subsequent correspondence from [ me ] regarding a dispute that has already been resolved, [ they ] will consider my inquiry answered. " As I stated above, PRA has failed to fully comply with my debt validation request under XXXX Finance Code 392.202, by not including the necessary information in their response letter on XXXX XXXX, 2015, for my initial debt validation request. PRA has failed to comply with my debt validation request yet is still reporting this trend line to the XXXX credit reporting agencies, XXXX, XXXX and XXXX.
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| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ' With that being said, I am the Consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of each customer, given them the assurance of knowing that their personal information is securely protected and confidential concealed. It is my right to make sure that my private information has not been exposed and I am sure that 15 USC 6801 is backing me when it comes to making sure my personal is not vulnerable to the public. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. ( Furnisher of information to credit agencies ) 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), an consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencie XXXX and XXXX do not have my consent to furnish this information and they surey do have my consent in writing. ( Furnisher of information to credit agencies ) Any and all consent to XXXX, XXXX ( Furnisher of Information to credit agencies ) whether it be verbal, no-verbal, written or otherwise is to be revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public information to a non-affiliated third party unless the consumer has provided an explanation of how the consumer can exercise the non-disclosure option. '' ( Furnisher of information to credit agencies ) has never informed me in regard to my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the reords of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reported again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures that are designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' The credit reports, XXXX and XXXX, have the incorrect name. It is questioned whose information is reported on my report?
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| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the Fair Credit Reporting Act 15 USC 1681, 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOILO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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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.
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| 01/27/2017 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Back in XX/XX/XXXX, I called Portfolio Recovery regarding the payment arrangement because they began taking two payments instead of the one payment we agreed to every month. They concurred that it was a mistake, but that I can choose to continue the payments this way since it would lower my debt faster. I agreed then.
I called a second time within the same period to discuss the credit reporting information for both the debts, XXXX and XXXX. I explained to PRA that it was reporting debt in delinquent status when I had paid one in full ( XXXX ) and the other I was paying down ( XXXX ). I also saw they were hitting my credit reports every month as a new account each time they received a payment. Each PRA account was in delinquent status and no payment arrangement was reported. I explained to PRA that the original creditors also have the debt on the credit report so PRA was reporting the same debt twice all in delinquent status. It was preventing my credit score from rising and hindering me from building or establishing new credit. For example, every time I rose a point the next month I got another hit from PRA and was knocked down XXXX points. The PRA representative said there was nothing he could do because that was the way the debt was reported and deferred me to the disputes department.
I wrote an email to the disputes department and the PRA ombudsmen department explaining the situation. They said they would investigate the matter and I would be notified. I got a letter regarding the debt from XXXX that a request was made to delete the trade line for this account with PRA. I received another letter from PRA for the XXXX debt, that I had been paying down, attached with old statements verifying the debt and stating the investigation is complete with a new balance of XXXX. No mention about the credit reporting.
XX/XX/XXXX, I get a call from PRA collections agent at XXXX demanding I pay the debt in full. I had no idea what she was talking about because I had a payment arrangement. She stated there was no record of a payment arrangement. I explained I had been paying the company for a long time and they just took money from my bank account on XX/XX/XXXX. She referred me to the supervisor who then explained as a result of reporting the dispute PRA deleted the payment arrangement and now I must make a new agreement. I asked about settling the debt and how it would get reported because that has been my concern this whole time. I only wanted them to report accurately. The supervisor said he could n't explain about how the reporting works but I should contact the disputes department.
I emailed the disputes and ombudsman department once again. The ombudsman responded that they can not control how reporting agencies report information and there is nothing else they can do for me.
PRA is now coming after me again for the debt that I was paying. PRA refuses to resolve this problem with me. My credit should not have to suffer because they have access to it. They are n't the original creditor and the original creditor continues to report the debt as a charge-off. I should not be penalized for disputing the debt and requesting it be reported accurately. As I stated to PRA deleting the payment arrangement because of my report does n't sound legal.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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This letter is being sent to you in response your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any signed papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX XXXX XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 03/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX file a complaint against Portfolio Recovery Associates and XXXX XXXX XXXX XXXX XXXX. It appears that once again, a national bank is at it again, selling off my past information to agencies such as debt buyers that are not even regulated for licensing in the Commonwealth of Massachusetts. Since the decision was made on Henson v. Santander Consumer USA, consumers throughout the United States are now stripped of their protective rights under the Fair Debt Collection Practices Act. I hereby attach a copy of a recent XXXX credit report, and as you can see there is only one XXXX XXXX account on my report. Im in the middle of paying off my remaining charged-off debts as I went through multiple personal and medical issues over the past several years. Today I am gainfully employed and doing everything right to regain respectability in the credit community. I also had a default judgment reversed by a law firm that had to cover their aggressive collection practices by agreeing to vacate the judgment if I agreed not to file any additional complaints, such as with the Bar Overseers in the Commonwealth of Massachusetts. I had two collections reversed as they were outdated. Now my name is out there once again with the debt buying industry, an industry that is a complete scam to consumers in the United States. I am a woman of minority status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX XXXX XXXX, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership of the three attached attempts to collect on transactions that are no longer enforceable. Secondly, my information on these collections will eventually be posted on each credit bureau without prop of collectability, or that the debts are legitimate. We need action on a national level to permanently cease and desist this activity. I demand a release of these collections immediately and a statement that if any attempt to place these collections on any of my credit bureaus will be rescinded immediately. If these actions are not taken I will : 1 ) submit additional complaints within the Commonwealth of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking ; 2 ) submit complaints with the NAACP and Urban League, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts, and ; 3 ) I have three additional areas to steer this issue to that I will reserve at this time. These collections total approximately {$3000.00} and they are all illegal and uncollectible in the Commonwealth of Massachusetts. I demand my files to be purged with Portfolio Recovery Associates and Consumer Financial Protection Bureau sanctions against XXXX XXXX XXXX XXXX XXXX, for the free hand they have incorporated into the write off of re-aged debts. I will submit a complaint with each credit bureau to make them aware that both Portfolio Recovery Associates and XXXX XXXX XXXX XXXX XXXX. are in violation of their subscriber agreements respectively.
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| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have tried to dispute information that was reported on my XXXX credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail.
I got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX.
They tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!
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| 06/03/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Portfolio Recovery to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Portfolio Recovery must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Portfolio Recovery to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Portfolio Recovery. Providing that Portfolio Recovery is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 11/07/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I demanded PROPER validation of debt from Portfolio Recovery on several occasions and I also disputed information from said company with credit bureaus as well. Each time asking for validation, I received a response back from Portfolio as being " confused '' as to what it was that I was disputing or they sent a statement as validation. I did not request that Portfolio send me some computer printed out hearsay that they have no firsthand knowledge about. If they are going to attempt to validate, I am requesting that Portfolio send me a copy of a valid bilateral contract between heir company and me, signed by both parties, showing I have agreed to do business with them, showing my true, wet ink signature. What I received was basic verification and not validation. XXXX Law Dictionary defines verification and that requires a sworn affidavit, so what I received is not considered legal verification. I am requesting that Portfolio provide a full accounting of alleged claim. This means send me the documentation starting from the first deposit that created the alleged account that was supposedly lent to me and every charge, payment, credit, debit, fees, interest and any other event that took place on this alleged account to this present date. Please make sure that this full accounting has truthful entries that include insurance payments that were given to the original creditor when they filed a claim of alleged loss and notations of credits received from their filing of their Profit and Loss, as those are accounting facts as well. Oh, and I 'm also entitled to know how much Portfolio paid for this alleged account so please send me proof of the Bill of Sale and the price paid to purchase my information to create this account, which was done without my knowledge, without my consent, without a contract or agreement allowing Portfolio to subrogate on my behalf. What they did when they created this alleged account of their was commit fraud against me and perpetrate identity theft against me. I 'll also need a copy of the original contract between the original creditor and myself, again it must be bilateral with both parties signatures and unless Portfolio is named on that document as a party with an interest to protect, they are a stranger to the transaction, a mere volunteer and have NO RIGHTS as a creditor against me because they do n't qualify to make a claim against me according to the Doctrine of Subrogation. Until Portfolio can produce the above documents requested for VALIDATION also accompanied with a sworn Affidavit of Verification, the FDCPA REQUIRES them to stop all collection activity against me - and that includes furnishing and verifying information on my credit reports. So, please produce true validation or get out of my life! For now, IMMEDEDIATELY get off my credit reports as that is a violation of federal law since they have NOT validated and I reject what they sent as being validation or true verification. Lastly, I have reached out to my state Attorney General/licensing authority to verify if this company is licensed to report in my state or banned. I have also filed a complaint with the Consumer Financial Protection Board, The Better Business Bureau and also looking into all additional legal rights and damages available.
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| 04/08/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Regards to NON-COMPLIANCE disclosures. SINCE THE DAY PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS DEBT, I was never informed, even my initial correspondence about the account that I had the option to opt out of specific privacy notices according to the FTC. I was not given any disclosures at anytime until this day. To make it clear this is not a request to VERIFY or VALIDATE this debt. For the record PORTFOLIO RECOVERY ASSOCIATES has not been in compliance with the Gramm-Leach-Bliley Act since the day THEY TOOK OVER THIS ACCOUNT. I came across this information recently and realized for all these years PORTFOLIO RECOVERY ASSOCIATES has violated my consumer rights and dishonored FTC regulations. How are we allowing for financial institutions like this to get away with things like this. My last dispute IN WRITING was about 15 USC 6802 ( A ) ( B ) ( 1 ) ( A ) ( B ) ( C ) ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I called them today XX/XX/2022 requesting privacy election opt-out forms and asked how come they never disclosed this information or annually, and why have they withheld this from me? I told them that was deceptive because no one ever inform me. I am learning my consumer rights and now I am realizing all this time they have been in violation. No one even conspicuously pointed it out to me and every year I supposed to receive disclosures just in case I change my mind or companies change their policies.
They kept dodging the question. These are some abusive debt practices that these debt collectors perform when you don't know your rights. According to FTC, they stated that, " Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. '' I WAS NEVER GIVEN NOTICED ABOUT THIS. The debt collectors have obviously chosen PROFITS over COMPLIANCE.
I want this account removed immediately from my credit report or I will be taking this further and suing for non-compliance of GLBA FOR 1. I didn't get a private policy notice with a " intro letter '' from PRA 2. I didn't get an opt out form with a " intro letter '' from PRA 3. I didn't receive a annual private policy notice from PRA
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Ar XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery Associates , LLC I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] XXXX XXXX XXXX ( XXXX )/ Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX XXXX Account # XXXX Reference # XXXX Unknown credit account/tradeline, Hard Inquiry, on credit report.
Dates : XXXX XXXX Dates Maybe XXXX and was sold toPortfolio Recovery Associates LLC XXXX XX/XX/XXXX. Very unclear about dates.
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine.
o I dont recognize the accounts in question.
o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
o I am sending all documents supporting that this is not me.
o I am asking Portfolio Recovery Associates , LLC to remove these collections off my credit report as soon as possible.
o I am sending copies of my old address XXXX XXXX XXXX, XXXX Ar XXXX lived there over 20 years. New address is XXXX XXXX XXXX, XXXX Ar XXXX.
o I am also asking if there is any proof you can provide me that is was me that opened this account.If so please mail or email them to me XXXX o I have called this company several times to ask them to remove this account off my credit report and nothing from this company is being done. I have been trying for over 2 years to dispute this account and no one has done any investigation.
o I have disputed this account and other accounts on my credit report. Someone has been opening accounts in my name in XXXX, Louisiana, and Arkansas.
o This is not me nor I have not had a XXXX XXXX credit card.I have been trying to prove that this is not me.
o Here is some information on XXXX I filed bankruptcy on XXXX any debt was cleared and updated on XXXX. Docket # XXXX at XXXX XXXX XXXX Arkansas .Chapter XXXX Bankruptcy XXXX, Attorney XXXX XXXX XXXX Marked Tree, AR XXXX This is public information.
o I have only been XXXX XXXX XXXX, XXXX XXXX XXXX.
o I have never allowed anyone to use my identity.
o This is not me so please take the actions to remove it from my credit report.
o I have sent you all the documentation you need.
o Also this has been turned over to collections because someone has failed to get proper identification and has cost me to be harassed and my credit has been hurt from this.
o I am asking your company to please fix this.
o I am also asking if there is anything on my credit report that does not match my identity for you to do a fraud investigation.
o Hopefully you can get this resolved.
o Also my name is XXXX XXXX XXXX I am sending all proper papers to prove my identity.
o Also all three credit bureau had my name incorrect. The credit bureau has corrected it.
o I have been trying to get this fixed and when I dispute the false claim on all three credit bureau for about two years now. I hope we can get this resolved.
o I can not express enough that this is not my debt. I am a victim of fraud.
o o Thank You o XXXX XXXX
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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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
|
| 04/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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On XX/XX/XXXX I provided Portfolio Recovery Associates a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC 1692g stating that the claims were disputed and validation was requested by providing the following information : 1. Name and address of the alleged creditor 2. Name on file of alleged debtor 3. Alleged account number 4. Address on file for alleged debtor 5. Amount of Alleged debt 6. Date ( this alleged debt became payable ) 7. Date of original charge or delinquency 8. Was this debt assigned to a debt collector or purchased?
9. Amount paid if debt was purchased 10. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector Any agreement that bears the signature of Debtor, wherein agree to pay Creditor All statements while this account was open Have any insurance claims been made by any creditor regarding this account ( Y/N ) Have any judgements been obtained by any creditor by any creditor regarding this account ( Y/N ) Please provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOCIATES, LLC in case legal action becomes necessary : Addition letter language included : If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
After sever correspondences from PRA, I finally received a communication on XX/XX/XXXX ( 60 days passed my original communication ) The complete information was not provided. Additionally, the company has repeatedly violated the Cease and Desist which was enclosed in the same correspondence. The company has repeatedly called and mailed letters alleging that they have " established validity '' for a debt that I ( the consumer ) has not validated as belonging to me. PRA, LLC has not in good faith provided complete documents.
At this point, this company continues to violate my rights and is borderline harassing me via mail and telephone. Be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will report further violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX
I demand this company delete accounts from my credit report as cease all communication immediately : Accounts ; XXXX, XXXX, XXXX, XXXX
|
| 09/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''.
1 ) Portfolio Recovery Associates has never properly verified the debts in dispute.
2 ) I have checked with the Arizona State Attorney Generals Office and verified that the XXXX debts in question/dispute are ALL time barred accounts, past their statue of limitations.
3 ) The XXXX debts in question/dispute are ALL at or past their CRTP, credit reporting time period, as allowed by FCRA.
4 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the XXXX accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Past Due '' amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc..
5 ) I have disputed each of the XXXX accounts with the XXXX major credit bureau 's several times. XXXX has deleted all XXXX Portfolio Recovery accounts that were in violation and taken measurements to block them from re-reporting. XXXX no longer allows me to dispute the XXXX account 's with Portfolio Recovery and continues to allow Portfolio Recovery to report the errors/violations. XXXX responds to each dispute as " verified '' and " remains ''. XXXX continues to allow Portfolio Recovery to report the errors / violations. XXXX also allows Portfolio to remove the disputed accounts from my credit report during each dispute, only to re-report each account right after as a " New Collection ''. I know this from receiving alerts from my credit monitoring service. Each time Portfolio Recovery does this it drops my credit score several points.
Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates , LLC . Original creditor is XXXX / XXXX. Alleged balance {$800.00} Acct. # 2 : Portfolio Recovery Associates , LLC . Original Creditor is XXXX / XXXX. Alleged balance is {$620.00} XXXX # 3 : Portfolio Recovery Associates , LLC XXXX Original creditor is XXXX / XXXX. Alleged balance is {$480.00} Acct. # 4 : Portfolio Recovery Associates , LLC XXXX Original creditor is XXXX. Alleged balance is {$790.00}
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Portfolio Recovery Associates LLC, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 03/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Reported the following to the XXXX XXXX XXXX on XX/XX/XXXX : Sent a letter requesting that Portfolio Recovery Associates only correspond by USPS and is not permitted to call me or will be considered harassment.
On XX/XX/XXXX, I sent a letter to the offices of Portfolio Recovery Associates requesting validation of the debt they are trying to collect AND that no telephone contact be made by their offices to my home or to my place of employment and all future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. On XX/XX/XXXX, I received a letter from this office, responding to my inquiry of the debt validation. Hence acknowledging receipt of my letter on XX/XX/XXXX. Portfolio Recovery Associates has CONTINUED to contact me via my home telephone after they have been directed that this would be considered harassment. Calls have been recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As such, this company continues to VIOLATE the the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior.
On XX/XX/XXXX, Portfolio Recovery Associates replied to my complaint : This communication is from a debt collector : This message may contain confidential and/or nonpublic personal information and is intended solely for resolution of a complaint forwarded to Portfolio Recovery Associates, LLC ( " PRA '' ) by the XXXX XXXX XXXX of XXXX XXXX XXXX ( " XXXX '' ) ; dissemination, distribution or copying of this communication is strictly prohibited.
Thank you for bringing this matter to the attention of our office. We were attempting to contact someone else. Portfolio Recovery Associates, LLC sincerely regrets the consumer 's every inconvenience. PRA removed the consumer 's telephone number, ( XXXX ) XXXX-XXXX, from our system to ensure that the consumer 's telephone number is not again called by PRA.
XXXX XXXX Disputes Counsel Office of Complaints & Disputes Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX On XX/XX/XXXX, I replied to Portfolio Recovery Associates : Under the THE FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C. 1692-1692p, section 805 Communication in connection with debt collection, Portfolio Recovery Associates refused to cease further communication from myself, the consumer. The excuse that my phone number was used in an attempt to contact someone else, when it was more than one occurrence is false. Under the 813. Civil liability, I will be pursing my right for damages with this violation as long as Portfolio Recovery Associates continues to reporting to the three credit bureaus. In addition with the claim that my phone number was used to contact someone else, Portfolio Recovery Associates, claims on their website that " We restrict access to nonpublic information about you to those employees and entities that need to know that information in order to collect your account. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. '' So with regards to my phone number being used for another contact, are these safeguarding measures as claimed on your website actually in accordance with federal regulations.
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| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against Recovery Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving Recovery Portfolio Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue.
To provide a complete overview of the situation, I must first emphasize that Recovery Portfolio Collection Agency has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, Recovery Portfolio Collection Agency continues to pursue me, tarnishing my creditworthiness and causing substantial harm.
Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with Recovery Portfolio Collection Agency. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge.
In addition to the issues mentioned above, I have attached documentation related to a XXXX XXXX debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX Portfolio is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities.
It is evident that XXXX Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge.
I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of Recovery Portfolio Collection Agency, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law.
Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the XXXX XXXX debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution.
I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior.
Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter.
Yours sincerely, XXXX XXXX
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| 10/14/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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There was not an option that fit my situation.
I had a credit card with XXXX XXXX XXXX. I got behind and was not able to continue to make the payment. The debt was sold to to Portfolio Recovery Associates LLC. They turned around and filed for a judgement at the XXXX County Magistrate. Upon recieving notice of this filing I reached out to Portfolio Recovery to investigate what this was about. I called them on XXXX/XXXX/XXXX. They informed me it was for the XXXX XXXX Credit Card that had a balance of about XXXX. We settled on a payment of XXXX. I made the payment over the phone at that time using my debit card. I requested that proof of payment be sent to me via email at the time and they stated that it was a process and they would get the process started within 48 hours. Two days later I called to get an update on the proof of payment and they stated that they would send it out. This went on for about three weeks and they still never sent the proof of payment. They verbally reassured me that the file was closed and that they reported it to the Credit Bureaus.
XX/XX/XXXX, over one year after I had made the payment on XXXX/XXXX/XXXX I received notice from XXXX County Magistrate Court that a Judgement was granted to Portfolio Recovery. I was stunned being that I had already paid it. I called Portfolio Recovery and let them know that they needed to correct this. At this point the judgement was appearing on my credit report. XX/XX/XXXX I received a Certificate Of Service stating that the Judgement was satisfied on XXXX XXXX, XXXX. This was well over a year after the payment was made.
Last week I applied for an auto loan at my credit union and was denied because I had a judgement reporting on my credit. I called Portfolio Recovery and they stated that the file is closed and that they can not do anything about it. I kept calling and the sent me to the voicemail of their attorney ( XXXX XXXX XXXX ) that was handling the case. He still has not called me back.
Today I called Portfolio Recovery and they told me to go to the Magistrate Court and ask them to help me. When I went down there the clerk said that they can not do anything and that it was already filed.
Portfolio Recovery refuses to help and take the proper steps to correct the mistake that they have made. I have been hung up on, put on hold until I got tired and hung up and been sent to eronious voicemails. These people are very aggressive in obtaining payment but once the payment is made they do not honor their word and make sure that the file is properly closed out. This infringing on my quality of life.
I have attached the following documents : XXXX. Statement of Payment History : This statement will show that that I paid off the settled amount of XXXX on XXXX/XXXX/XXXX.
2. Default Judgement Order : This shows that the judgement was rendered on XXXX/XXXX/XXXX. Almost two months after the payment was made.
3. Judgement Satisfied Certificate of Service : Well over a year after the payment was made and they send me a Judgement Satisfied letter.
4. Proof of Payment showing a XXXX balance.
I was finally able to get somebody to send me the documents that I am uploading today. But it was after days and hours of phone calls.
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| 12/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Collection Agency : Portfolio Recover y Associates LLC. Account : XXXX XXXX/XXXX Date of Account : ( Unk nown ) Amount {$2700.00} I have communicated with Portfolio recovery in writing in approximately XX/XX/XXXX requesting a copy of the the payment schedule, the date they purchased this account, proof that they are legally bonded in the state of Texas to collect a debt, and also asked for a copy of the contract between myself and the original creditor with a wet signature ( XXXX XXXX & myself ) giving Portfolio Recovery the right to pursue a debt with me prior to validating my request.
I further asked for VALIDATION of my ownership of the debt, but they responded to me with a XX/XX/XXXX billing statement with a due date of XX/XX/XXXX from XXXX XXXX instead as verification ... not validation. My request was ignored, and they sent me documents that may have been altered. I believe this because the bill they sent me contains errors, and the debt is listed on my credit report with XXXX, XXXX, and XXXX with varying open dates.
The response/correspondence sent to me dated XX/XX/XXXX does not list actual date that they assumed ownership of the debt. This is a blatant violation of my rights and a clear error. They are also reporting alternating open dates on my credit reports. XXXX shows trhe collection account was opened on XX/XX/XXXX and date last active of XX/XX/XXXX, and XXXX shows an open date of XX/XX/XXXX and last date active of XX/XX/XXXX. XXXX shows an open date of XX/XX/XXXX, and date last active of XX/XX/XXXX **Please note that Portfolio Recovery sent me a copy of a bill from the original creditor, XXXX XXXX/XXXX with a payment due date of XX/XX/XXXX ). How can Portfolio report ownership on the account effective XX/XX/XXXX when the account was still in possession of the ORIGINAL CREDITOR on XX/XX/XXXX?
How is it also possible that my XXXX report shows an open date of XX/XX/XXXX, but a date last active of XX/XX/XXXX? The account was not in Portfolio Recovery 's possession on XX/XX/XXXX ... These overlapping date discrepancies are very concerning. The account was in XXXX XXXX XXXX possession on XX/XX/XXXX, not PORTFOLIO RECOVERY. How can I believe that anything else reported is accurate? I have just pointed out a plethora of errors that Portfolio Recovery and the consumer reporting agencies refuse to address. This is a violation of my rights as a consumer, and I am hoping you will take my concerns seriously.
You will also notice my alleged mailing addresses vary on each form of correspondence. How does XXXX XXXX, XXXX, and Portfolio Recovery all list different alleged mailing addresses for me during the same time frame in XX/XX/XXXX? If they are listing random addresses I am not associated with, I doubt any other data they are alleging is correct and this debt has not been validated as belonging to me. Something is wrong here, because these addresses listed on these documents don't even appear on my credit reports with XXXX, XXXX, or XXXX.
Portfolio Recovery is knowingly reporting erroneous and conflicting information to the credit bureaus, and has not bothered to even investigate these discrepancies and prove their ownership, or their right to assume I owe this debt.
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| 12/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I had a XXXX XXXX credit card through XXXX Bank. In XXXX, there were charges that were made on my XXXXXXXX XXXX card, totaling approximately {$3800.00} that I did not authorize and was not aware of. I had contacted XXXX Bank several times on the issue and they stated that they would investigate the charges. They provided me with details on the charges, stating that the charges were placed using a register printed temporary card, that the purchases were for XXXX XXXX XXXX, and that the charges were done at different XXXX XXXX stores on each occasion. In XXXX, after months of being told that " they were looking into the charges '', I stopped paying on the account as I had now started to accrue massive amounts of interest on the account from the fraudulent charges that I had been disputing.
XXXX Bank later charged off the account, while it was still in dispute, and sold the account to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX and spoke with XXXX, and when I explained the situation and that I had disputed fraudulent charges with XXXX Bank before the account was closed and sent to collections by XXXX Bank, I was told that the account would be marked as fraudulent charges placed, and it was then later removed from their systems.
In XXXX of XXXX, XXXX Bank then sold the account to Portfolio Recovery. Portfolio recovery refused to answer any request to validate the debt, especially since it was sold to a prior collection agency whom removed the account from their database after explaining that there was fraudulent charges made on the account. Portfolio continued to mail me information, and when contacted back asking for validation of the debt, refused to send validation.
After yet another attempt to dispute the account with the credit bureaus due to the fact that the account had fraudulent charges made on it, Portfolio sent back information stating that they had been awarded a judgement on the debt. The problem is that I was never served any paperwork on the judgement hearing at all, and never once knew about the hearing. Portfolio Recovery did not provide a copy of the summons as well in the documentation they mailed regarding the dispute, they only provided an " XXXX of XXXX '', dated on XX/XX/XXXX. Upon looking up the case information, the case was filed on XX/XX/XXXX and hearing date was XX/XX/XXXX. I never was served a summons by a process server or the sheriff 's office on this court case, and until I received this packet on XX/XX/XXXX, had not ever known that there was a judgement taken out.
Portfolio did not however give a proper summons to the court case, so I was unable to represent myself and explain my side of the case. Instead, I have a judgement that was taken out against me for charges that I had disputed as fraudulent with XXXX Bank on the matter.
Additionally, Portfolio is still attempting to collect a balance on a XXXX account that I have paid in full that I disputed the balance they are reporting to the credit bureaus. They mailed a packet that I also received on XX/XX/XXXX, that has a bill showing a {$22.00} balance dated XX/XX/XXXX, and a statement that was issued on XX/XX/XXXX, stating that the balance on the account was paid in full.
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| 07/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American, Servicemember |
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I've received numerous harassing & threatening phone calls to collect on a {$14000.00} XXXX credit card debt with a default date of XXXX/XXXXXXXX, that has passed the NY State statute of limitations, which I understand is 6 years from date of default for this type of debt. XXXX sold the debt to Portfolio Recovery Associates LLC in XXXX. I also receive letters periodically from Portfolio with offers to settle the debt, acknowledging the debt has passed the statute for collection. I've made no payments on the debt since default ; have made no agreements with anyone to pay it. Calls come from all over the country ; I can't identify their true source & they don't appear to be affiliated with Portfolio. I've received no notice that Portfolio has sold the debt to another agency. On XX/XX/XXXX, I sent a certified/return receipt letter to Portfolio asking them to cease & desist, using one of your sample letters as a guide. I blocked all incoming calls that came from robot or unidentified sources. Phone calls & letters ceased until I got a call from " XXXX XXXX '' ( a process server? ) on XX/XX/XXXX saying a sealed document ( a summons? ) was being delivered to me at my home address the next day, to follow-up with my County Court about it, & if I had any questions to call " XXXX XXXX '' at phone # provided with a case file #. I have no idea who XXXX XXXX is and was immediately suspicious when I called them. They did not identify their company when answering my call, I had to question who they were, what this was all about. I spoke to " XXXX XXXX '' who said they were collecting on the XXXX debt. He said since I hadn't signed any papers yet ( don't know what papers he was talking about ) and hadn't yet received a summons, that was good, & he offered me the opportunity to settle the debt, which I declined to do. I reiterated to him what was stated in my certified letter to Portfolio. XXXX XXXX claimed his records show I made a payment on the account in XXXX, which is patently false. I suffered a catastrophic financial crisis & defaulted on ALL of my credit card accounts at the same time in XX/XX/XXXX. I made absolutely no payments or agreements of any kind on ANY of these defaulted accounts, all of which were charged off by the creditors as bad debts with this one exception of XXXX or Portfolio. I immediately terminated the call with XXXX XXXX. No summons was served on XX/XX/XXXX as XXXX XXXX warned it would be. Prior to this I was also receiving similar calls from an unknown entity " XXXX XXXX '' in NJ, threatening me with the same court action, calling it a " complaint '', not a " debt collection '' matter. That's what prompted me to send the certified letter to Portfolio in XXXX of this year. I think this whole thing is a scam or bluff to get me to make a payment or repayment agreement & re-start the clock on the statute of limitations. This harassment is getting very serious now with me worrying about having to go to court or missing some deadline to answer in court, violating my rights to due process on this expired debt collection. I don't believe any of these unknown callers have standing to collect on the debt since they aren't Portfolio. This all seems illegal to me. HELP!
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| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To whom it may concern My name is XXXX XXXX. I am a victim of identity theft. I have mailed over certified letters to the credit bureaus and the creditors that will be listed in this message. My credit report has several errors and the companies included are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX : 3 Portfolio Recovery identity theft : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX I 've sent in certified letters asking each company to verify any documents bearing my signature and all of them have failed to show me any documents bearing my signature. Also to place an account on my credit without verifying the account, without me giving my consent to any creditor or bureau is breaking the law.
This letter is in response to your recent claim regarding Acct # *******, which you claim Such as I owe an unknown amount.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : LAST FOUR 4558 P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
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| 11/24/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PORTFOLIO RECOVERY ASSOCIATES LLC, has no prior consent given directly by the consumer, XXXX XXXX, to communicate through any medium to me. I demand you cease and desist any further communication through any medium unless it is to obtain material disclosures, to notify that debt collecting is being terminated, or intends to invoke a specified remedy. I am not obligated to pay any debt. All debts are the obligation of the United States pursuant to 8 USC 18. On XXXX XXXX, 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold cause. This resolution has declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in any amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debt. 15 USC 1681 ( 3 ) ( E ) ( e ) defines the term investigative consumer report to be information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer. PRA is not exempt from federal law and they have not provided any validation of debts included in 15 USC 1692g ( a ) ( 1-5 ). PRA is claiming Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account. PRA is clearly stating they do NOT have a valid contract between PRA LLC and the consumer, XXXX XXXX. It does not matter if you bought a debt through any creditor, there is no lawful contract or agreement between the parties and I, as a consumer, have not agreed to do business with PRA LLC.
I am demanding, PRA LLC update all consumer reporting agencies that this account is to be removed and deleted from all files and records immediately. There has been no validity of any debt owed, as a contract between XXXX XXXX and XXXX XXXX does not constitute validity for PRA to furnish any information on my consumer report. Each update of this account on my consumer report is a direct violation of my privacy rights and is harassment because you are repeatedly claiming I owe a debt and threatening my rights by continuing to furnish this inaccurate account as pursuant to 15 USC 1681i ( a ) ( 5 ). PRA LLC states We take compliance with all applicable state and federal laws very seriously. Here is your time to follow the federal law by following the instructions in the United States Code, including promptly deleting this item from my consumer file. Also, in regards to PRA LLC violating and threatening my rights to privacy ; this company was never given permissible purpose or written consent to provide the consumer reporting agencies with ANY information. That is a direct threat to my right to privacy. PRA LLC must have my permission to communicate through any medium to myself or any other agency. This inaccurate reporting has damaged my reputation since published on my consumer report. I ask the CFPB to seek further investigation into PRA LLC and their abusive practices.
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 05/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX I contacted XXXX XXXX the original creditor on a credit card I had. They verified on a balance that was sold to XXXX my optional insurance paid {$770.00} of the bill as well as wrote off {$310.00} in late fees, {$310.00} in interest, and {$110.00} in plan refund fees resulting in an overpayment of the nearly {$1400.00} sold to XXXX for collections ( and I recorded this call. In addition to it being used as evidence for the lawsuit I will be filing against Portfolio Recovery Associates, I also offered the rep for PRA a copy of the call so they can use it to verify the account was paid if necessary ).
While Portfolio Recovery Associates certainly cashed the check from XXXX XXXX and were made aware of the write-offs per a phone conversation I had with them on XXXX and I specifically said I disputed the remaining balance they only adjusted the credit bureau for the {$770.00} check that was sent to them.
The at no point contacted XXXX XXXX to verify they had the correct balance and subsequently that they were reporting the correct balance to my credit bureau. Instead, they continued to collect on an account that had been overpaid both on the phone conversation on XXXX as well as in their actions by reporting an account as collections with a {$710.00}. A copy of my credit bureau is attached.
These actions resulted in blatant violation of both federal law as well as Regulation Z because XXXX is attempting to take part in the credit company when they purchased the debt and under new Supreme Court rulings are essential in the eyes of the law, the original creditor. As such, federal credit card regulations must apply to PRA.
Despite this, they are refusing to comply with federal regulations. Further, they continue to report the item as an unpaid debt on my credit bureau despite it actually not only being paid off but they are holding a {$100.00} overpayment check that should be sent to me immediately as well as the tradelines being deleted immediately.
I know the CFPB will probably not do anything. And frankly, the only reason I am filing this complaint today is to document these facts as I will be filing a XXXX-dollar lawsuit against PRA as the courts seem to be the last place of refuge for consumers.
This king of blanket illegal activity being committed by Portfolio Recovery Associates is unconscionable, abusive, and in bad faith. It clear probably cause for the CFPB to demand an audit of all of Portfolio Recovery Associates accounts and practices to ensure they are compliant with consumer regulations.
Additionally, I allege they violated state-specific consumer protection laws and as such will be suing for violation of these state-specific consumer protection statutes.
Attached is a copy of my XXXX Credit Report as reported by XXXX XXXX that clearly shows Portfolio Recovery Associates adjusted the balance being reported to my credit Bureau from {$1400.00} to {$700.00} but did not take any actions to verify the account is paid off which as not only resulted in irreparable harm to my credit but has also resulted in XXXX XXXX anguish and XXXX which I will be seeking damages for in the lawsuit I will be filing against Portfolio Recovery Associates.
|
| 09/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted Portfolio Recovery Associates several time via certified mail to request validation of alleged debts that they are trying to collect on. They refuse to supply the requested information, and they have failed to produce a signed consumer contract from the original creditors.
The account numbers are:XXXX, XXXX, XXXX For the amounts of : {$1400.00}, {$780.00}, {$370.00} They have also produced letters that were supposedly sent to an address that I have not lived at since XXXX. These letters are dated XXXX of XXXX.
The information I requested was : Your attempt at validating these alleged debts provide no original creditor documentation or contract per the FDCPA. It does not meet the requirements of Ohios debt collection statues. Let me remind you that Verification documents must come from the original creditor. The documents you provided are not sufficient verification documentation and therefore do not constitute validation of the " alleged debts '' as a copy of a bill is not sufficient.
As I stated in my last letter to you, under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the alleged debts you say I owe. I am requesting proof that ; ( 1 ) I am indeed the party you are asking to pay these alleged debts ; ( 2 ) You possess documentation and a full accounting of the amount of these alleged debts that can be presented as evidence ; ( 3 ) There is some valid contractual obligation which is binding on me to pay these alleged debts ; ( 4 ) You, as a debt collector, produce documentation from the alleged creditors authorizing you to contact me and pursue the collection of an alleged debt ; and ( 5 ) You produce a license to collect debts in Ohio.
Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
I am also requesting : 1. Date of Last Activity on Alleged Accounts 2. Any and All documentation provided from the original creditor 3. Produce proof of any/all obligations by way of transactions between Portfoilio Recovery and myself proving evidence of your authority to report, much less attempt to collect, on alleged debts.
4. Is Portfolio Recovery the debt collector or debt buyer? According to law, the right to collect on a debt is reserved for a cre ditor. In order
for XXXX XXXX XXXX to collect on a debt, there must be an established
relationship or permissible purpose with the consumer. As stated above, I am formally requesting you provide any/all proof of this established relationship or immediately cease your fraudulent collection attempts, including ceasing the reporting of the above-mentioned accounts with all reporting agencies. The FTC has concluded that reporting a debt to a consumer reporting agency is an attempt to collect a debt. As you can see, I was very specific with my request for information. They continue to send a copy of an old bill and no other information. There have been multiple class action law suits against this company and it is easy to see why. They ignore FDCPA and FCRA laws and rely on their victim 's lack of knowledge to take advantage of them.
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In response to complaint # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this second complaint against Portfolio Recovery Associates , LLC for violating a cease and desist notice they received on XX/XX/XXXX, and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a cease and desist notice, a debt validation, Exhibit A, which is a copy of inaccurate information/late payment on this account reporting to my consumer report, Exhibit B, which is a copy of this same account reporting more inaccurate information, as to being in collections housing XXXX ( XXXX ) different account numbers, reporting on my consumer report. Exhibit C, which is what Portfolio Recovery Services, LLC considers as lawful & sufficient validation of this alleged debt, and a pdf of a FTC report that will be labeled as Exhibit D, when filing for litigation in Federal Court to this complaint. In accordance with the FCRA, everything has to be 100 % accurate on my consumer report. Portfolio Recovery Associates , LLC stated " Per federal law, their company verified and confirmed that I was notified of the purchase of this alleged debt and provided notices ''. " Federal Law '' also states, that any alleged debt has to be lawfully validated prior to furnishing to consumer reporting agencies, and with the consumers written instructions. I have not validated any alleged debt with Portfolio Recovery Services, LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. How can this be alleged debt be validated/verified with so many inconsistencies/inaccurate furnishings on my consumer report? Portfolio Recovery Associates , LLC also stated that they are a debt buyer. But according to 15 USC 1692e ( 12 ), it is false representation or implication that accounts be turned over to innocent purchasers for value. Portfolio Recovery Services, LLC stated that they attached documentation /notice of verification as to informing me of the purchase of this alleged debt. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates any right to collect on this alleged debt. It is my belief that Portfolio Recovery Services, LLC is attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Lastly, Portfolio Recovery Services also stated that the time of purchase was verified on XX/XX/XXXX and that they sent initial notification on XX/XX/XXXX. I have never received any documentation requesting validation from Portfolio Recovery Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Portfolio Recovery Services can not provide me with proof such as a tracking number that they attempted to lawfully validate and collect on this allege debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring XXXX to me and my financial reputation.
|
| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Re : Acct # XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that your offices make no telephone contact to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose
|
| 01/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the past 5 years, I have been disputing my credit bureaus of XXXX, XXXX, and XXXX. The following items attached are on my credit report and is hindering me from obtaining more credit.
1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately.
2. Portfolio Recovery Associates ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately.
3. Discharge CH-XXXX ( I have attached the document to the complaint ) I have asked for this to be removed from my credit report. It is hindering me for obtaining new credit lines. I am wasnt disputing the Discharge but asking that it be removed from the report so It doesnt prevent me from getting new credit.
4. XXXX XXXX- ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately.
5. XXXX XXXX- ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately.
6. There is currently a lock on all 3 credit bureaus preventing me from obtaining new credit. I have asked the bureaus to remove that lock but they all have been unresponsive to this.
7. I also have attached the list of hard inquiries that are on my credit report as well. I have asked all 3 credit bureaus to please remove all non-account holding inquiries over 30 days old. Under the FCRA they had 30 days to remove this information. The inquiries I have attached for you do not all have accounts attached to them.
Thank you for assistance on correcting this matter for me.
XXXX XXXX XXXX
|
| 07/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear CFPB Im filing this complaint in the hopes you will be able to force Portfolio Recovery PR to either provide the original terms and agreement contract, including the terms regarding the security deposit entered into with XXXX XXXX or cease all collection activity on this account and remove any and all reporting of this account to the credit reporting agencies. Ive dispute the amount owed on this account from the beginning, first with XXXX XXXX, and then finally with PR. Each time with PR I would question the amount owed and each time they would provide the same 3 XXXX XXXX statements. Ive requested the original terms and agreement multiple times so I can confirm that the rates and fees charged was what I originally agreed too. I also had concerns on how my security deposit was handled, was it interest bearing, was the interest credit to me, how was the deposit supposed to be handled in the event of a default, and were fees taken out? Heck it took over 6 months for PR to even acknowledge there was a security deposit. I tried reaching out to PR again this afternoon and started talking to XXXX in the collection department. She validated me then went right into her script asking how I wanted to take care of my debt. I responded again by questioning the amount and why they refused send me the original terms and agreement. She put me on hold and XXXX, a senior account executive, popped on the line and tried to address my concerns. I explained that not a single concern was addressed in the documents provided, he responded he could request the terms and agreement a 3rd time. I asked point blank if they had the original terms and agreement, and he said he was looking at them. I responded by asking if they were the original terms and agreement, he said it didnt say it was an original level document. Is this what their going to try and pass off my terms and agreement? At that point he transferred me to XXXX is the dispute department. XXXX went into the same script as everyone else, the 3 XXXX XXXX statements sent is all thats required and that the original terms and agreement is not required to be sent. Of course I asked how PR could be sure that the terms of the security deposit and the rate and fees charged were as originally agreed, he didnt respond. Instead he said he would send the terms and agreement as a curtesy.WHAT!! He said he had them, I asked if they were the original terms and agreement and he said yes. I made it clear once again that besides the basic terms I wanted the terms of the security deposit account and if wanted to go the legal route would I have to file a lawsuit or file for arbitration. He said it was 8 pages and he wasnt going to read it. So now I dont know what to expect, are they sending me my original terms and agreement or something they put together. How do they suddenly have them, why wouldnt they have sent them before or at the very least when they realized they had them? None of this makes sense and I would appreciate any help or guidance. FYI I have every conversation recorded and able to provide or have transcripts made. Also feel free to forward to any regulatory agency you see fit Kind Regards
|
| 09/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Portfolio Recovery Associates ( PRA ) is engaging in several illegal activities on my credit reports in violation of the FCRA, FDCPA and the FTC laws.
I have complaints about Portfolio Recovery Associates ( PRA ), involving three different alleged credit accounts where they are performing illegal activities in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ) and varius Federal Trade Commission ( FTC ) laws.
Accounts involved : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX and XXXX/XXXX XXXX/XXXX XXXXXXXX PRA is making false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. This is both in violation of the Fair Credit reporting act ( FCRA ) and the Fair Debt collections practices act ( FDCPA ) and the Federal Trade Commission ( FTC ).
Complaint 1 : I have asked several times for PRA to validate this alleged debt and each time they have only responded with a copy of an old bill they generated. A copy of a bill does not validate debt. Under the FDCPA, it is not enough for the collection agency to simply send a printout of the amount owed. I have asked Portfolio to provide proof the debt is even mine by providing an original agreement from the original creditor - they have failed to do so.
Complaint 2 : PRA purports themselves as a debt buyer. PRA says they purchase delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. In fact, PRA is reporting themselves as a FACTORING COMPANY with certain credit reporting agencies, and violation various sections of the FCRA and FDCPA 15 USC 1692e ( 2 ) ( A ) by misrepresenting the amount of the debt and by incorrectly characterizing the account as belonging to a " factoring company ''.
15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false by reporting the account as a " factoring company '' account and by reporting the account status as " open '' 15 USC 1692e ( 10 ) by using false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value.
15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores.
Complaint 3 : PRA has " parked '' or " re-aged '' the alleged debt on my credit reports which effectively shows the accounts as open and current debt when in fact, by PRA 's own admission, the accounts were CLOSED BY THE ORIGINAL CREDITOR over 4 years ago, yet PRA is reporting the accounts open when in fact they are not. These alleged debts are outside the statute of limitations for collection and PRA is illegally reporting them as current -- which is illegal per the Federal Trade Commission ( FTC ).
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To whom it may concern, I am writing this letter due to an ongoing attempt by Portfolio Recovery Associates to extort money from me for a debt not owed to them. I have never had any contractual business or personal arrangement with Portfolio Recovery Associates nor have they provided me with any verifiable information from the original creditor which I have previously disputed and subsequentially had the original credit XXXX XXXX XXXX XXXX debt deleted/removed from my credit report. Portfolio Recovery Associates has tried numerous times over a period of four plus years to collect this fraudulent debt which i DO NOT owed to them and each time this un-owed debt was disputed and deleted by all three credit repositories ( XXXX XXXX and XXXX }. Also, I have never received in writing or by phone any notification of the underlying un-owed debt in reference to this new collection filing as of XX/XX/XXXX which is a DIRECT violation to the Fair Debt Collection Practices Act and/or Fair Credit Reporting Act ; however, the opening date of the un-owed debt was reported as XX/XX/XXXX which is incorrect since Portfolio Recovery Associates have been trying to collect on this un-owed debt for several year to date. I previously provided the original creditor ( XXXX XXXX ) with a copy of the payment arrangement the offered me and my bank statement which confirmed that they received my payment as terms of the repayment agreement I made with them in order to avoid the account being charged off. For this reason, the account was removed/deleted from my credit report. Furthermore, as noted by law for the State of Nevada, Nevada law states that the clock on the statute of limitations starts on the date of the last transaction of the last item charged or the last credit given by ORIGINAL CREDITOR which is ( XXXX XXXX ). I am under no obligation to pay a debt which I do not own since I have never entered into any legally binding agreement with Portfolio Recovery Associates, nor do they possess the original credit agreement I signed with XXXX XXXX such as but not limited to repayment terms, payment history, original date of delinquency by the original creditor ( XXXX XXXX ), loan/credit terms and address on file all required to prove custody of this account if repayment was owed which it is not nor have I ever confirmed verbally by phone the ownership of this fraudulent debt to anyone employed or under contract with Portfolio Recovery Associates. Also, the account number which Portfolio Recovery Associates have given to XXXX XXXX and XXXX is incorrect and does not match the original account number listed for XXXX XXXX. Portfolio Recovery Associates has for years harassed me for this debt not owed by continuing to file collections entries on my credit file. I respectfully ask Portfolio Recovery Associates to remove/delete this illegal action from all credit bureaus, which for many years has caused me harm. If this request is denied, I will be forced to take legal action against Portfolio Recovery Associates for damages. Note : All my previous disputes and subsequential deletions pertaining to this collection account are in the custody of the credit bureaus.
|
| 03/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Received summons sometime in XX/XX/XXXX or the first part of XX/XX/XXXX I was served with a debt claim lawsuit from Portfolio Recovery. I responded to lawsuit on XXXX ; Motion to transfer filed XX/XX/XXXX ; I requested for Production of Document XX/XX/XXXX ; I sent documents by e-mail and by express mail on XXXX. My XXXX credit report showing Portfolio as the creditor. The Judgement amount is XXXX court cost is included in this total.
I have informed them this is not my debt. I have not signed a contract with this company. The original debt is no longer listed on my credit report, which is from XXXX, it fell off in XXXX. I am unable to determine the truth in this dollar amount and the age of the debt or if the statute of limitation has expired. I dont know if the bill of sale is correct or even if it was sold to Portfolio . I dont know how to explain this in Court. Looking at the Asset Schedule, it doesnt look accurate, should there be a dollar amount in the Sale Amount column, it looks like it was taken out. With an interest rate so high how do you catch up? XXXX XXXX XXXX XXXX XXXX also sent me collection information ; letter dated XXXX ; how do I know which one is correct/truthful?
I put in a request to have the case transferred to another court, the Judge denied the transfer and I attended court to discuss the reason for the transfer ; I thought I should attend court in my precinct. XXXX is such a large county it was explained to me that I was still in the XXXX County lines. I though the case was over. I recently received a court date for XX/XX/XXXX. I was unable to attend court due to medical reason. ( Temp of XXXX ; chills, sore throat and a slight headache ). The Judge rule in favor of Portfolio. I did call the court to let them know I could not make it that day. This is draining me mentally and my head is not in a good place. I should be in bed sleep, but I cant sleep due to a possible judgement being placed on my credit file. Where is my relief from XXXX, XXXX?
Were my Consumer rights violated when Portfolio place this debt on my credit report once the original debt collector fell off my credit report. Can I sue them for all the heartache this has cause me? I dont have a large sum of money to pay this debt which I am not sure it belongs to me. I did not sign a contract with this Portfolio. I asked them to remove the debt from my credit report and they refused? How do I get this off my credit report?
I requested information from Portfolio, they did not provide me with the proper documentation before trial. Apparently, they showed something in court, why didnt I receive those same documents before trial? What they sent me, look like something computer generated, and I can make up a form using XXXX.
At the time this account fell behind to XXXX, the government shut down for about 30 days. I was also doing therapy due to back issues ; it is very difficult pay your bills and pay medical expense at the same time especially when you have fallen behind. to I have neglected my health to keep up with my payment. I informed XXXX I was having some financial issues and I wanted to use the debt protection Plan, it never happened.
|
| 06/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is what I 'm sending t o one o f the credit reporting agencies as well as the CT Attorney General 's office. This explains the whole situation in detail. To : TransUnion-Dispute From : XXXX XXXX Date : XXXX XXXX , XXXX Re : Dispute # XXXX On XXXX XXXX , XXXX , I disputed a collection account from, XXXX XXXX XXXX . Upon further research, I discovered I have never had any accounts with the original creditor, XXXX XXXX Bank, XXXX . On XXXX XXXX , XXXX , I received a phone call from a receptionist saying I must talk to someone named, XXXX XXXX to discuss resolving an account from a payday loan in XXXX . Something I have I NEVER applied for nor ever heard of. From initial contact, XXXX XXXX asked if my name is, XXXX XXXX . I informed him that was my former name and how I can help him. He then asked for me to confirm my social security number over the phone. Not knowing who this company is, I refused to provide my social and hung up the phone. Because of the fishiness of the call, I called XXXX back and I decided to video record & provide the legal disclaimer of recordings on ALL conversations using another cell phone. I was seeking further information about the legitimacy of the company before confirming any type of personal information. From that point on, Ive been hung up on, told to get a life and a job, I probably listen to rap music and thats why I cant afford my bills, and was constantly asked to confirm a social security number he is repeating repeatedly. Upon further research XXXX is working on behalf of PORTFOLIO RECOVERY ASSOCIATES, the same company I disputed 4 DAYS prior to receiving any type of communication from this company. I repeatedly called XXXX , several times after to get information about this so-called payday loan from XXXX . On XXXX XXXX , XXXX at XXXX XXXX , I received a phone call from the Connecticut State Police ( stationed in XXXX , CT ) i nforming me that XXXX XXXX asked to stop calling his office. I explained the situation to the officer & agreed to not contact XXXX and the officer stated that XXXX must cease contact with me. LITER ALLY 17 mi nutes later, XXXX is once again robo-calling me from the SAME phone number to call another phone number to discuss the same account. At that point, I filed a police report with the XXXX XXXX Police Department, complaint # XXXX for harassment and unauthorized contact with me during the dispute I filed on XXXX XXXX , XXXX through XXXX XXXX to XXXX . I have attached the copy of the police report, a copy of my phone log showing the phone number of XXXX , the time CT State Police called me, and another robo-call AFTER speaking with CT State police. I plan on pursuing legal action against this company for violating several FCRA laws, giving out my social security number without any type of identification validation & using racial bias & discrimination as a collection intimidation tactic. Thank you, XXXX XXXX Cc : XXXX a.k.a . Portfolio Recovery Associates B cc : Consumer Financial Protection Bureau Bccc : CT Office of the Attorney General
|
| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XX/XX/XXXX, I spoke with a representative ( XXXX XXXX ) who assisted with a settlement agreement to pay off a credit card originally with XXXX XXXX Account ending in XXXX who then turned it over to Portfolio. Because I was not aware of who Portfolio was when they called, they never left voice messages, but would hang up. My account was then turned over to another debt collector/XXXX XXXX/Another debt collector, Account No. XXXX The total balance owed to XXXX XXXX was {$1800.00} and the settlement agreement with XXXX XXXX was {$1400.00} in 12 installments monthly of {$120.00}.
As you will see from the bank statements provided, I have been faithful in paying monthly up until XXXX XX/XX/XXXX. When I went online to make my payment, I noticed my balance had changed from {$480.00} to {$730.00} ( see copies attached ). I contacted XXXX XXXX to find out why the balance was more than what I was showing last month XXXX XX/XX/XXXX when I made my payment. As stated by XXXX one of the Representatives. My account went in settlement default. I first asked why? And that I had not missed any payments. She could not tell me why. I then asked her if a letter had been sent out stating why? She said no, I requested a letter of all payments made, my agreement as well as the reason for settlement default. XXXX stated ; not sure we can do that.
After making the request again and ending the call. I felt it necessary to contact XXXX XXXX again and spoke with XXXX XXXX ( debt collector ) and informed him that until I receive documentation in the mail due to my settlement being defaulted. All payments would be placed on hold. Mr. XXXX informed me that it was noted to provide me with the documents as well as review my settlement agreement to determine what could be done.
I would like to also add that in the first 3 months of making my payments, I could never go on the website as it would not allow me access, so I had to contact a representative to make my payment of {$120.00}. After three months the service was up and working. Almost 3 months left to making my final payment, they decide to put my account in settlement default and request an additional {$240.00}.
Im not sure exactly what their goal or plan was however, as a customer in good standing, I believe I am entitled to the documentation that I should have received when the agreement was first put in place. However, you will see that with every conversation, I noted the amount indicated to settle. I also believe that if I have been faithful with making my payments then why the settlement default. In XX/XX/XXXX, I was receiving calls from Portfolio, however upon my returning there call they stated we can not speak with you as we do not have your loan. I then contacted XXXX XXXX and spoke with a representative ( debt collector ) who indicated they had not received a payment from me. I stated the payment was made on XXXX XX/XX/XXXX. The debt collector argued with me that she didnt know what the payment was going towards to that comment, I was puzzled.
It has been very stressful and time consuming trying to settle this debt, it has been affecting my health and causing XXXX XXXX.
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I purchased a dress from the company, " XXXX XXXX '' in XX/XX/XXXX for {$85.00}. I had a previous balance of {$0.00}. I returned the dress within a week because it made me look XXXX.
I heard nothing at all from this vendor and didn't expect to as I had a {$0.00} balance after the above mentioned return. I never heard anything from them until I got a threatening letter dated XX/XX/XXXX from Portfolio Recovery Associates informing me that my XXXX XXXX account had been " Closed and charged off '' in XX/XX/XXXX, and they had now that debt and were pursuing it. The debt was {$340.00}!
I contacted them immediately and highly disputed this totally bogus, unjustified bill. I told them I wanted proof of this fraudulent bill in statements from XXXX XXXX I received a letter and copies of bills from XXXX XXXX, dated XX/XX/XXXX. Portfolio Recovery stated they had conducted an investigation and stated the bill was valid.
: Here is a list of copies of bills they sent me on this XXXX XXXX account : 1. XXXX XXXX bill dated XX/XX/XXXX stating my previous balance {$0.00} The only purchase shown was a dress I bought for {$85.00}. No credit shown on this bill for my returning the dress within 10 days.
2. J.Jill bill dated, XX/XX/XXXX stating a previous balance of {$220.00}. It also stated that XXXX totals for the year were : fees charged- {$160.00}, interest charged- {$17.00}.
3. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of : {$260.00}, with total fees charged for the year XXXX {$190.00} and interest total charged- {$23.00}.
4. XXXX XXXX bill dated XX/XX/XXXX stating a previous balance of {$300.00}. Total fees for the 2018 year {$230.00}, total interest charged- {$31.00}.
That was the total documentation sent to me about this bogus bill. XXXX XXXX charged off the account in XXXX XXXX.
I never received a bill from XXXX XXXX after purchasing the dress mentioned above and didn't expect to as I had returned the only thing I had purchased from them promptly after buying it. They never contacted me in any way ; bill, phone or email concerning the wrongful debt.
I contacted Portfolio Recovery by email when I got these few copies of bills from XXXX XXXX that I had requested when I got them on XXXX XXXX. The bills in no way justified the outrageous attempt to defraud me of {$340.00}. The representative tried to say I had opened the account in XXXX, to which I said that had NO bearing on this bogus bill as shown by the XXXX XXXX XXXX of XX/XX/XXXX which stated I had a {$0.00} balance before purchasing that dress I then returned. The representative asked me what I wanted them to do, to which I replied, " Cancel this bogus bill that you are pursuing against me, never contact or harass me about this unjustified bill or I will pursue legal action. I also told her that I was filing a complaint with the FTC about this whole situation.
I will be happy to get copies to you of all communication I have received by Portfolio Recovery.
Please send me the proper address to send copies of this to you.
Thank you for your consideration and help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, CO XXXX XXXX XXXX XXXX
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| 08/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have spent a multitude of hours trying to rectify the alleged debt with PRA via online disputing through the credit bureaus and by mailing debt validation letters directly to Portolio Recovery Associates. Recently I mailed ANOTHER debt validation letter on XX/XX/2018 to Portfolio Recovery Associates requesting that they provide valid proof of the alleged debt they say I owe to them.
I requested Portfolio Recovery Associates to provide me with the following documentation : 1 ) The name and address of the original creditor 2 ) The original date of default or non-payment of the debt with original creditor 3 ) The date the debt was transferred from the original creditor to the third-party debt collector 4 ) The original balance 5 ) The current balance 6 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 7 ) XXXX XXXX bond information as required by Sec. 392.101 8 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
10 ) Date this alleged debt became payable.
12 ) Verification that this debt was assigned or sold to collector.
13 ) Complete accounting of alleged debt.
14 ) Commission for debt collector if collection efforts are successful.
To date, all requested documentation has not been provided to me. Portfolio Recovery Associates continues to violate Texas law and provide me with the above requested documents. Furthermore, Portfolio Recovery Associates fails to provide their bonding information as required by Sec. 392.101 which violates Texas Law per the Finance Code which all three credit bureaus adhere to.
The documentation that was provided by Portfolio Recovery Associates was incomplete and inconclusive. I was not able to determine the TRUE accurate balance, if one is owed, nor was I able to find payment history or any payment made at all according to the printed copies they provided. A complete ledger was not received, only partial statements with various dates. I can not base the accuracy of this debt with partial or missing documents.
I have tried on several occasions to have this alleged debt verified and validated with hard core proof ( i.e contracts with my signature or a complete ledger of the account history ) Portfolio Recovery Associates have failed to provide either documents to me. PRA has send copies of a statement from the creditor with missing/ incomplete statement page ( s ), no payment history or cohesiveness in the dates of the statements.
Portfolio Recovery Associates does, however, send me frivolous and vague dispute responses on their company letterhead stating that they have provided proof of this debt or that they need further information from me in order to complete their investigation, but fail to state exactly what information they would need from me as I am the one disputing the debt. PRA continues to report a negative inaccurate and unvalidated tradeline on my a credit report, which is a violation for the Fair Debt Reporting Credit Act.
Portfolio Recovery Associates is purposely defaming my credit and breaking FDRCA laws which is preventing me from obtaining credit due to g this inaccurate debt reporting on my credit.
|
| 03/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I spoke to your company before and informed you that I am in dispute with this debt and that you needed to validate this debt but it appears you have refused so I am sending this letter to you. Be advised, this is not a refusal to pay, but 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.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you : What the money you say I owe is for ; provide a detailed, plain and simple list ( not coded ) of any and all services or goods you claim I received a line by line itemization of charges ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws.
If you have I demand you send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any reporting to any credit reporting agencies.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose
|
| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is in regards to a previous complaint ( XXXX ) that was closed however the investigation and response are not satisfactory.
To Whom It May Concern : This letter is being sent to you in response to the above-mentioned complaint number and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. I never received any notification of any alleged confirmations or Original notification of any balance due. Once I did see that this was reporting on my credit, I did dispute this ( as you have stated in your response ) because it is not to be reported on my credit.
Please be advised that this is not a refusal to pay, but 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.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
With all due respect, anybody can send me an old bill and say I owe them money.
Please provide me with the following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say I owe : * Identify the original creditor : * Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : * Provide me with your license numbers and Registered Agent or Agent of Service : If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
Best Regards, XXXX
|
| 10/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I allege Portfolio Recovery Associates , LLC ( will be further referenced as PRA, LLC in this complaint to save space ) has violated several provisions of the Consumer Financial Protection Act of 2010 ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), & Telephone Consumer Protection Act ( TCPA ) and which may include other violations not included in this complaint due to limited space.
I am unable to attach the following document into evidence but would like to submit into evidence the United States of America Consumer Financial Protection Bureau Administrative Proceedings File : XXXX Consent Order Filed XXXX/XXXX/XXXX in evidence as supportive evidence into my complaint claim.
First, PRA violated 15 United States Code Sub Section 1692c by several calls using an Auto Dialing Call System at inconient and inappropriate times to include during family members hospitalization and funerals despite being told numerous times to quit calling my cell phone ( TCPA ) which is also a violation of Section 805 ( a ) ( 1 ) of the FDCPA.
I allege, PRA would call in excess of 4-5+ times a day even after requesting to cease all calls via my cell phone. Those requests were not followed through and would be used as form of harrassment. FDCPA is a law that clearly states out provisions preventing debt collectors from calling at " unusual '' or " inconvenient '' times and can be supported by Cell Phone Record History that is time stamped.
Secondly, I allege PRA violated several provisions in the Consumer Fincial Protection Act ( CFPA ). PRA engaged numerous acts of " unfair, deception, or abusive act or practices '' of the CFPA 12 USC Subsection 5531 & 5536 ( a ) ( 1 ) ( B ). PRA would never despite even recent requests to dispute, challenge or call into the question of the validity of the alleged debt in question, PRA would never provide ANY documentation correct or incorrect to validate the debt but still would misrepresent the account on Credit Reports as an active, revolving account with PRA in attempts to collect the debt. Reporting inaccurate information is unfair, deceptive and an abusive act of using credit reports in a false manner in order to harm consumers and influence them to pay a debt despite never having that alleged debt dispute validiated. PRA representatives would also allege/threaten legal action if not paid by a certain date ( Several subsections in Section 807 FDCPA 15 USC 1692e here. PRA also engaged in many other forms of false and/or misleading, deceptive acts or practices in violation the the Sections 1031 ( a ), 1036 ( a ) and many others provided under CFPA 12 USC Subsection 5531 ( a ) 5536 ( a ) and others.
I request that PRA ( 1 ) follow ALL requirements in the Consent Order, ( 2 ) immediately cease all debt collection practices to include the deletion and removal all credit reporting agencies ( 3 ) communicated via mail or via CFPA response within 15 days ( 4 ) the Repayment of and Eligible Restitituion afforded to me from PRA acting in so many violations in accordance to the law or specifically spelled out in the XXXX Consent Order. I submit my complaint to be true to the best of knowlege.
|
| 02/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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I am a federally protected consumer as defined by 15 USC 1692a ( 3 ). PORTFOLIO RECOVERY ASSOCIATES , LLC ( hereinafter PRA ) is a debt collector as defined by 15 USC 1692a ( 6 ). I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO PRA AND I DO NOT CONSENT TO CONTRACT. PRA communicated with me in an attempt to collect an alleged via USPS without my consent. On XX/XX/2022 I received this communication dated XX/XX/2022 labeled EXHIBIT A. I responded to the harassing communication with a PROOF OF MAILING, DEBT VALIDATION NOTICE, CEASE AND DESIST NOTICE, BILL OF PARTICULARS, and EXHIBIT A. All of which were certified mailed with a green receipt on XX/XX/2022 and received on XX/XX/2022. The green receipts have not been returned to me yet but I have proof of delivery via certified tracking # : XXXX XXXX XXXX XXXX XXXX. PRA had 5 days from receipt to proof for me to see that validates their alleged claim in which they failed to do so. I am in receipt of a letter on XX/XX/2022 dated XX/XX/2022 which is 11 days past deadline. The communication labeled as EXHIBIT B did not validate this alleged debt as it did not provide proof requested thus continuing to harass me about an alleged debt not owed and failing to comply with cease and desist. The communication failed to reference deletion of my information and inclusion of a check in US funds for the amount of {$5000.00} for violations of 15 USC 1692k.
As a debt collector, PRA must comply with the following provisions and failed to do so and is in violation of 15 USC 1692k : 1. 15 USC 1692c ( a ) - PRA communicated with me without me giving direct consent to do so 2. 15 USC 1692e ( 2 ) ( A )- PRA uses false character amounts as I am unable to pay on a positive balance.
3. 15 USC 1692j ( a ) - PRA furnished a deceptive form via USPS to deceive me into believing I owed an alleged debt 4. 15 USC 1692e ( 10 ) - PRA used a deceptive letter in an attempt to collect an alleged debt 5. 15 USC 1692e ( 8 ) - PRA threatened to report information about an alleged debt known to be false to the consumer reporting agencies, credit bureaus as PRA refers to them which is also false and misleading.
PRA continues to violate 15 USC 1692k by failing to comply with the following provisions : 1. 15 USC 1692c ( c ) - letter received is harassing and breaches cease desist by failing to validate this alleged debt nor grant remedy requested 2. 15 USC 1692e ( 10 ) - ( a ) PRA refers to themselves as a creditor which is false and misleading because I have never done business with PRA. ( b ) PRA admits to being in possession of a file with my personal information in which they do not have my consent.
PRA is in violation of 15 USC 1692k for individual actions and causing stress and mental anguish resulting in medication.
As a federally protected consumer should I have to invoke my consumer rights and hold PRA civilly liable for violations of 15 USC 1692k, the UNITED STATES DISTRICT FOR THE XXXX XXXX COURT OF GEORGIA XXXX DIVISION is a competent court that holds jurisdiction given that these are federal laws and is correct venue because my place of abode is in XXXX XXXX in XXXX, GA.
|
| 02/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have have contacted this company to request the verification of the negative items they are reporting. In pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I have requested " ALL '' of the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.
The original application for this account with my signature.
A copy of the agreement authorizing your company to collected on their behalf of the original creditor.
FULL detailed accounting history on the account and the calculations on how they reached the amount owe.
Provide verification on any judgments connected to this account.
Provide your license to collect in my state and your registered agent name with their address.
Please show proof that the Statue of Limitations has not expired in my state for this account.
Provide the date of the last payment on this account. They are listing the items in question to credit bureaus from : XXXX Bank XXXX XXXX XXXX Bank This company has " FAILED '' to provide me with " ALL '' of the items requested above. They have also repeatedly harassed me by phone, mail, and have had individuals show up at my home in attempt to serve me with a lawsuit. I have never gone into a signed agreement or contract with this company and do not owe them for any debt.
Additionally I am in complete distress due to them violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided this company, the credit bureaus or the banks/companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now.
I am requesting that they discontinue reporting and remove/delete all negative information that they have reported/are reporting to the credit bureaus in regard to the companies listed in this complaint, and for any other companies that they might have associated with my name and/or social security number. I'm also requesting that they stop all phone calls, texts, email, direct mail, social media direct messages, stop sending individuals to to my home and/or work to serve lawsuits and/or collect debt. I would like all forms of threats, and communication to stop immediately.
Best, XXXX XXXX
|
| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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ATTN : This is a separate compliant for PORTFOLIO RECOVERY ASSOCIATES.
Currently in litigation with this corporation. The action taken was not required without proper notice.
I XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan. I am inserting my right to claims against PORTFOLIO RECOVERY ASSOCIATED pursuant XXXX XXXX who claims to be the holder of the contract. I am being sued by Portfolio Recovery XXXX ( XXXX ) who is a debt buyer who has brought a disputed debt connected to my all-caps name for pennies on the dollar and is making illegal attempts to collect the full amount of the debt through coercion.
XXXX did not accurately provide me with any verifying documents confirming if the debt belongs to me. They have never issued a signed contract which is being sued upon because there was never a contract or agreement with their corporation. XXXX has verified the debt by providing deceptive billing statements that reflects a billing error pursuant to 12CFR 1026.13. The billing statements reflects an error because it doesnt show that Im receiving as the consumer the amount due, nor does it reflect that I am being credited for that amount.
XXXX is furnishing false documentation creating a false belief that the original creditor is participating in the connection to collect a debt not owe. XXXX has taken legal action against me after I disputed the debt with their corporation multiple times. XXXX continues to harass me by using abusive tactics by making false claims against me; claiming the alleged debt is mine pursuant to 15U.SCode 1692e this is false and misleading and violates my consumer rights under the FDCPA. Any form of communication from an attorney in connection to collect on a disputed debt is a direct violation of the law. All communication in connection to this debt is coming from their attorney who is representing XXXX.
Prior to the litigation proceedings with XXXX I have requested that all communication regrading this alleged debt be ceased and noted. Due to the fact XXXX has called me multiple times a day between the hours of XXXX without my consent in attempts to harass and annoy me about a debt I do not owe pursuant to 15U.S.Code 1692k ( 5 ) a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the debt ; causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
The billing statements they provided addresses me in my all-caps name and not me as the natural person, or consumer of the account. The account number on the billing statements are also redacted therefore making claims that the alleged debt is mine is without any reasonable means is extortion pursuant to 18U.S.Code1961. In accordance with 18U.S.Code 8 states all debt obligations and securities are owed to the United States XXXX XXXX has taken adverse action against me in efforts to collect a debt which holds them civilly liable pursuant to 15U.S.Code1640 with fee up to {$5000.00}
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently wrote to Portfolio Recovery Associates, via certified mail, requesting the deletion of the following items : Account Number : XXXX ( Reporting on XXXX and XXXX ), and Account Number : XXXX ( Reporting on XXXX ) XXXX ( Same exact account information with two different account numbers ) I would like for you to have a copy of this document as well ( see attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. For starters, I have no idea why there are two completely different account numbers, but that is just one example of my credit report reflecting inaccurate and inconsistent information. Portfolio Recovery Associates continues to falsely verify these accounts whenever I dispute them with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Portfolio Recovery Associates, has stated to all parties. -the XXXX XXXX XXXX XXXX XXXX, The Consumer Finance Protection Bureau , -as well as myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Portfolio Recovery Associates has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes, which I believe that Portfolio Recovery Associates violated, -yet somehow, you still allowed Portfolio Recovery Associates to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Portfolio Recovery Associates above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether the account is verified or not ; it has become a compliance issue, which Portfolio Recovery Associates is seemingly willfully noncomplying. Furthermore, Portfolio Recovery Associates continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to Portfolio Recovery Associates, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXXwhich has been like this for a long time, yet, Portfolio Recovery Associates continues to falsely verify as accurate. This has to stop!
|
| 06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In my recent dispute to XXXX, PORTFOLIO RECOVERY ASSOCIATES LLC. certified to XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report.
Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish your tradeline onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave PORTFOLIO RECOVERY ASSOCIATES LLC. authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to PORTFOLIO RECOVERY ASSOCIATES LLC. which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( 3 ), that has taken place.
XXXX, XXXX AND XXXX ARE ALL INVOLVED IN AN UNLAWFUL RELATIONSHIP WITH PORTFOLIO RECOVERY ASSOCIATES LLC AND I HAVE PROOF OF IT DUE TO THE FACT THAT PORTFOLIO RECOVERY ASSOCIATES LLC IS A COMPANY WITH MANY JUDGEMENTS MADE AGAINST THE REGARDING VIOLATING FEDERAL LAW ( SPECIFICALLY THE FDCPA ). PLEASE REFERENCE SUPREME COURT OF FLORIDA CASE HAM V. PORTFOLIO RECOVERY ASSOCIATES LLC.
PORTFOLIO RECOVERY ASSOCIATES LLC IS UNLAWFULLY ACCESSING MY CONSUMER REPORT TO MAKE UNAUTHORIZED INQUIRIES AND FURNISH FALSE AND DECEPTIVE INFORMATION. THEIR FALSE INFORMATION HAS LEFT ME XXXX DUE TO GETTING DENIED FOR EMPLOYMENT, INSURANCE, AND HOUSING ( ALL OF WHICH ARE A VIOLATION OF FEDERAL LAW ).
DUE TO THIS, I HAVE PROOF OF PORTFOLIO RECOVERY ASSOCIATES LLC. PARTICIPATING IN RACKETEERING ACTS FOR THE PURPOSE OF UNJUST ENRICHMENT WHICH IS UNLAWFUL.
I HAVE SENT SEVERAL CEASE AND DESIST NOTICES TO PORTFOLIO RECOVERY ASSOCIATES LLC. HOWEVER, ALL OF WHICH HAVE BEEN IGNORED.
ACCORDING TO 18 USC 894, COLLECTIONS OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF FEDERAL LAW AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
|
| 08/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
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Portfolio Recovery Services continues to call me despite a written request mailed to them to cease telephone communications. They called my elderly mother in Florida and contacted her repeatedly despite being told they have the wrong number. They continue to call repeatedly very early in the morning. Although the calls are not prior to XXXX EST they are as early as XXXX on a Saturday morning. When I advise the caller that I have submitted a letter requesting communications cease, they state that they are going to continue to call me, that they have received no request. I 'm frustrated with their repeated violations of the Fair Credit Reporting Act. Portfolio XXXX XXXX min XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor Explained that I would like documentation that portfolio owns the debt or purchased from XXXX XXXX. Kept stating we sent two letter. They were initiation letters. Explained repeatedly that anyone can send a letter and requested verification that they own the debt. Stated the letters are system generated and will resend if possible. Threatened to continue collections. XXXX/XXXX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Advised them that I am considering bankruptcy. They asked me for attys name and I informed them I have not retained one. They told me they could not stop calling when I requested them to stop. XXXX/XXXX/XXXX XXXX XXXX Hung up when I answered XXXX/XXXX/XXXX received a letter XXXX/XXXX/XXXX. XXXX. XXXX ( XXXX XXXX XXXX Spoke with XXXX. Tried to get me to make a payment. Explained considering bankruptcy ask for time to consider options. Said ca n't stop calling and acct will remain in collections. Must send request in writing to stop calling. XXXX ( XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Asked for call back because I was driving. Tried to keep me on the phone. Advised that I could not talk and requested a call back in 10 minutes once I arrive at my destination. They told me that they could not call back at the time requested and would continue to call me XXXX ( XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX hung up XXXX XXXX/XXXX/XXXX XXXX No msg left. I did not answer XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Friday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Saturday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX No msg left XXXX/XXXX/XXXX Called my elderly mother sometime today. She was confused about why they were calling and told them I did n't live there. XXXX/XXXX/XXXX Called my elderly mother in the morning today. Exact time is unknown She told them they had the wrong number. XXXX/XXXX/XXXX Mailed letter to Portfolio requesting that they cease making contact via phone. Requested mail contact and provided my address. XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Called my mother in Florida. Again Portfolio was advised that they had the wrong number. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Saturday Morning!!! XXXX/XXXX/XXXX XXXX No msg left XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX/XXXX/XXXX XXXX XXXX When I answered there was no one there and no response to my repeated hello 's.
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| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi PRA, XXXX XXXX, attorney XXXX XXXX XXXX ; ******I SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at PRA and then got transferred to the attorney 's office of XXXX and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/03/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN REGARDS TO ; PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I HAVE SENT SEVERAL CERTIFIED LETTERS INFORMING THE BUREAUS AND THE DEBT COLLECTOR THAT I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS BEEN FRAUDULENTLY OPENED.THE ACCOUNT WAS OPENED FRAUDULENTLY AND FORGERY WAS COMMITTED IN MY MAIDEN NAME AND I'M A VICTIM OF IDENTITY THEFT AS I REPEAT MYSELF AGAIN. THIS 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. THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVE NAMED TITLE AND SECTION. I RESPECTFULLY REQUEST THAT YOUR OFFICES PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATION TO PAY YOU.
PLEASE PROVIDE ME WITH THE FOLLOWING : XXXXWHAT THE MONEY YOU SAY I OWE IS FOR -PROVIDE THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT -SHOW ME THAT YOU ARE ARE LICENSED TO COLLECT IN MY STATE -EXPLAIN AND SHOW ME HOW YOU CALCULATED WHAT YOU SAY I OWE -PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE -PROVIDE A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE -IDENTIFY THE ORIGINAL CREDITOR -PROVIDE ME WITH YOUR LICENSE NUMBERS AND REGISTERED AGENT -PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE -PROVIDE ME WITH THE ORIGINIAL PHOTO DOCUMENT OR LICENSE I ALLEGEDLY USED TO OPEN THE ACCOUNT.
AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS.
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST.
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY.
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS.
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.
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| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Consumer Financial Protection Bureau Attention : Complaints Division 1700 G Street NW Washington, D.C. 20552 Subject : Comprehensive Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, and Capital One Dear Sir/Madam, I am writing to file an extensive complaint regarding a deeply concerning matter involving XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One. This situation has caused immense distress and confusion, and I earnestly seek your intervention in resolving this complex issue.
To provide a complete overview of the situation, I must first emphasize that XXXX XXXX XXXX XXXX has persistently refused to remove a derogatory and outdated delinquency from my credit report. Despite the fact that my lawyer successfully discharged this debt in court, XXXX XXXX XXXX XXXX continues to pursue me, tarnishing my creditworthiness and causing substantial harm.
Furthermore, I recently received a letter from XXXX XXXX, asserting that I have serious delinquencies reported at XXXX XXXX and XXXX. These delinquencies are directly linked to the aforementioned matter with XXXX XXXX XXXX XXXX. I find it deeply disconcerting that XXXX XXXX, XXXX XXXX, and XXXX are perpetuating false and damaging information, despite the court ruling and the debt discharge.
In addition to the issues mentioned above, I have attached documentation related to a Capital One debt, which has not been current since XXXX. Astonishingly, the letter sent to me by XXXX XXXX is dated XXXX, falsely claiming that the bills are from XXXX. This misinformation is not only misleading but also further demonstrates the negligence and unlawful practices of these entities.
It is evident that XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX, and Capital One are all interconnected in this matter. Their collective actions have caused significant harm, violated consumer protection laws, and flagrantly disregarded the court 's decision and debt discharge.
I implore the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and Capital One. I urge you to take immediate and decisive action to rectify this distressing situation and hold these entities accountable for their continuous disregard for the law.
Enclosed with this letter, you will find copies of all relevant documents, including the court ruling, the debt discharge documentation, the letter from XXXX XXXX, and the Capital One debt records. These documents serve as vital evidence to support your investigation and highlight the urgent need for resolution.
I deeply appreciate your attention to this matter and your unwavering commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will expedite the necessary actions to address this issue, rectify the harm caused, and ensure that all parties involved are held accountable for their unlawful behavior.
Thank you for your immediate assistance. I eagerly await your prompt response regarding the resolution of this multifaceted matter.
Yours sincerely, XXXX XXXX
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 usc 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly, according to the 15 USC1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. The accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated ID Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to XXXX is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy.
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| 06/05/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint is in regards to an alleged account in my name t placed wit h PORTFOLIO RECOVERY ASSOCIATES, on behalf of XXXX XXXX . The stated balance of this alleged account placed wit h PORTFOLIO RECOVERY ASSOCIATES w as {$270.00}. I was completely unaware of this account being transferred to PORTFOLIO RECOVERY ASSOCIATES, un til I pulled my own credit report on XXXX XXXX XXXX , and noted the odd discrepancy on my report. The account number with this company is XXXX . I had not once received any notification of this debt owed via XXXX XXXX XXXX XXXX , or been notified by this company of the alleged debt via telephone. Upon this, I immediately emailed the Disputes department with PORTFOLIO RECOVERY ASSOCIATES, as well as the company executives and Quality Management team, and received absolutely no response from any of these people or departments via phone or email, as requested. I disputed this debt as possibly invalid, and requested immediate removal of this account from my credit files ; again, I received no responses from the company 's Dispute or Quality Management team, or the CEO, XXXX XXXX . Ultimately, I received account information from XXXX XXXX , and as an act of good faith, offered to pay the account with PORTFOLIO RECOVERY in full to alleviate the situation, and have the collection account with PORTFOLIO RECOVERY removed from my credit bureaus. This account was then paid in full via phone on Monday, XXXX XXXX XXXX . Upon phoning in and speaking to several rude, condescending representatives with PORTFOLIO RECOVERY, I was told that if I had paid this account in full, I would be able to have the account removed from my credit reports or " dispute the account off of my credit files '', and that PORTFOLIO RECOVERY would not fight me on this. Then, another representative countered this by stating that she would not assist in the removal of said account even though the account was now paid in full, and I was given misinformation from multiple representatives prior. This remains to be one of the major issues with this collection agency -- every time that you phone in or email, you are either ignored outright, or are given a different story upon each contact attempt. Overall, this experience with PORTFOLIO RECOVERY has been extremely poor -- both providing me a great deal of misinformation, misguiding me as a consumer, and being completely and outright ignored after attempts to contact executive level management, and the Quality Management department ( whom, on their website, it states to contact should you need any assistance or have been treated poorly by staff ). It is unacceptable to provide the consumer whom you are attempting to collect an alleged debt from, misinformation, in order to get an account satisfied in full. I am unsure where the breakdown of communication occurred, but given the gross negligence and disservice on behalf of PORTFOLIO RECOVERY ASSOCIATES , I am requesting immediate removal of this paid in full account from all three major credit bureaus -- XXXX , XXXX and XXXX .
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been disputing an alleged account # XXXX form Portfolio Recovery Associates LLC that has been reporting on my consumer file without any validation that this account is actually mines. There is also 2 another account holder on this alleged account that I have no knowledge of. When disputing with the bureaus i received a letter saying that the account had been validated, but how exactly was this account validated. The company themselves Portfolio Recovery Associates LLC did not properly validate this alleged account. I have attached the documents that they mailed to me saying that the served as validity. A generated account statement is not validation, I asked Portfolio Recovery Associates LLC for proof that I owed their company any debt and they sent a generated letter form the alleged company who sold them the debt. This company was not in contact with me about selling any of my information pertaining to an alleged debt or anything that I have not given written communication about to another company Particularly Portfolio Recovery Associates LLC who still has not provided me with proof/bill of sell, to prove that I need to pay an alleged debt. The letter that Portfolio Recovery Associates sent me from the alleged original creditor does not show my actual address where I have been located for the past 5 years. So, this letter of sell was never delivered to me because again I never gave this company any written permission to sell my information and or consumer file. I XXXX XXXX, the consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. Portfolio Recovery Associates LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681 section 602 A. which states that I have a right to privacy, 15 usc 1681 section604 A states that a consumer reporting agency can not furnish a account without my written instructions, 15 usc 1692b ( 1 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; 15 usc 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 usc 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. False reporting from Portfolio Recovery Associates has caused more damage to me proving credit worthiness when needing new credit to provide housing for my family. I have done my part in properly asking for proof that this alleged debt is mine.
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| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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Reference compliant # XXXX - I am writing this letter because I believe that my compliant was closed prematurely since a few key facts were not addressed which I believe violates my rights under the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act with regards to Portfolio Recovery Associates and their attempt to collect a debt that I do not owe which was subsequentially deleted by XXXX XXXX from my credit report by XXXX, XXXX AND XXXX. 1. I never received any written or verbal notification of a debt from Portfolio Recovery Associates as it pertains to their filing on or after XX/XX/XXXX. 2. Also, the representative of Portfolio Recovery Associates who wrote the previous response to CFPB inquiry which I believe was prematurely closed was untruthful when they claimed that they sent their initial notification to me on or about XX/XX/XXXX, this is blatantly untrue because the account was DELETED from my credit report by XXXX and XXXX prior to XX/XX/XXXX. The debt was still in the custody of XXXX XXXX in XX/XX/XXXX as indicated in my credit report but later DELETED by XXXX also months later as a result of my disputes as indicated by my XXXX XXXX credit report ( which you can clearly see that no charged off for XXXX XXXX in the amount of {$710.00} which wasn't listed for XXXX or XXXX due its previous deletion ) which I have attached in the is letter. In addition, I have never received " any '' formal notification by Portfolio Recovery Associates of any un-owed debt nor is the previously owed debt to XXXX XXXX correct which was {$710.00} and not {$710.00} as reported by Portfolio Recovery Associates which is another violation of federal and state law with regards to debt collection practices. I have attached an email copy of the correct balance amount which was previously owe to XXXX XXXX prior to the account being deleted which I paid the amount of {$48.00} dollars to XXXX XXXX which they offered me to avoid the account being charged off. However XXXX XXXX charged off the account a couple of weeks despite our agreement which in legal terms is called, " A BREACH OF CONTRACT '' which is the reason why the account was deleted from my credit report. In addition, all statements made by Portfolio Recovery Associates can be proven untrue because I had moved out of my previous home at ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) around XX/XX/XXXX and have been living abroad ever since. Also, I no longer reside in the US since I am medically retired, and a XXXX XXXX XXXX XXXX. As mentioned in my previous complaint to CFPB and as proof of the deletion of this charge off by XXXX XXXX, I have attracted a portion of my credit report from my dispute result with XXXX which shows that this account was DELETE AND REMOVE ( Please see attached PDFs and reference XXXX Credit Report : Dated XX/XX/XXXX, Report Number XXXX and XXXX credit report from XXXX. As you can see, the account number that Portfolio Recovery Associates have provided CFPB for this deleted account in question, does not match the ORIGINAL account number provided by XXXX XXXX and is incorrect and or incomplete.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX Bank through its XXXX ( XXXX and XXXX ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, XXXX XXXX charged off the amounts and sold the debt to Portfolio Recovery Associates , LLC who claims that I owe them {$13000.00}. I received first written correspondence from Portfolio Recovery Associates in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address XXXXXXXX XXXX used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XXXX I contacted XXXX XXXX directly and opened a fraud complaint. I received a XXXXXXXX XXXX fraud investigation form and faxed the completed form back to XXXX XXXX on XX/XX/XXXX. Now I am waiting for XXXX Bank XXXX XXXX XXXX to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with XXXX, XXXX, XXXX and XXXX XXXX Moreover, I never submitted any applications for credit with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Furthermore, I have never received any communications from XXXX, XXXX, XXXX XXXX XXXX XXXX that I have any credit approvals or debt outstanding. I have not received any physical credit cards from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX either . I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at XXXXXXXX XXXX since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX.
On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against XXXXXXXX XXXX and Portfolio Recovery Associates , LLC ( Complaint Number XXXX ) in connection with the credit card account number referenced above.
On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named XXXXXXXX XXXX in Complaint Number XXXX.
Also, on XX/XX/XXXX I am submitting this new complaint against Portfolio Recovery Associates , LLC ( PRAC ). PRAC is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at XXXXXXXX XXXX, however PRAC has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that PRAC must follow up directly with XXXXXXXX XXXX to resolve their interests in this matter.
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| 10/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In late XX/XX/2021, I pulled by credit reports and noticed a collection account that I did not recognize. It was from a company called Portfolio Recovery Associates. I sent them a certified letter on XX/XX/2021, which they received and signed for on XX/XX/2021 ( evidence of return receipt will be attached ). In the letter, I explained that this debt that they claimed I owed was erroneous and did not belong to me. I sited the Fair Debt collections Practices Act ( FDCPA ) and asked them to produce a signed contract from the original creditor with my signature within XXXX, which is required for them to collect on this debt and report it to the credit bureaus. I also asked that during their investigation, that they remove this unverified debt from my credit reports until their investigation was complete, which is required by law under the FDCPA. I received a response very quickly, with their letter arriving to my home on XX/XX/XXXX, which was very strange considering that they had just received my complaint 3 days prior. What was also problematic was that the response was dated as being written on XX/XX/XXXX, which is odd, because my letter was not sent out until the XXXX, so how could they have generated a response for a dispute they had not received yet? It seems as if they did not perform any investigation at all, but just had a default response queued up in their system in case I asked for validation. If this is the case, it would constitute a clear violation of my rights under the FDCPA. In my letter to them, I specifically asked for Portfolio Recovery to produce a contract with my signature to validate that this was indeed my debt, as required by law. If they had done a proper investigation, they would have found out that no such document exists. It was made clear that they do not possess the proper documentation when I reviewed their response. They only possessed snapshots of alleged charges with no contract, no signature, nothing linking me to this erroneous account. The address that was on the original account wasn't even correct. They clearly failed to validate this debt within 30 days, so, in accordance with the FDCPA, this account was supposed to be immediately removed from the three credit bureaus. Portfolio Recovery failed to do this. This company 's refusal to comply with the law has also drawn the attention of XXXX. During my dispute process with XXXX, Portfolio recovery associates was asked multiple times to produce the proper documentation to verify this debt, but they failed to do so. This resulted in XXXX deleting this erroneous information from my credit file with them. It is clear that this company isn't even keeping basic documentation to be reporting or collecting on this alleged debt. Portfolio recovery associates is aware that they have failed to validate this debt, but now seem to be deliberately and brazenly violating the law. Even through XXXX has removed this account, it unfortunately remains on my XXXX and XXXX credit reports. This violation of my rights has caused direct damages to myself as well as my family, and that is unacceptable.
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| 12/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under Portfolio Recovery.
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by Portfolio Recovery Associates substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and Portfolio Recovery Associates! I have maintained careful records of your actions as well as Portfolio Recovery Associates! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help!
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit!
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.
I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
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| 12/11/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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In XXXX of XXXX, I took out a {$2000.00} loan with XXXX Bank to have dental work done through XXXX XXXX in XXXX, Ohio. The terms of the loan specified there would be no interest until XX/XX/XXXX.
After taking out the loan, I learned that my XXXX insurance through XXXX University included a dental discount plan, and the dentist reduced the estimated cost of my dental work to just over {$1600.00}. I was ensured just under {$400.00} was immediately returned to the lender.
After just a single filling was completed, at a cost of just over {$300.00} before my dental discount, I learned I was pregnant and could not finish the dental work we had planned. I was promised the remaining money would immediately be returned to the lender.
In XX/XX/XXXX, I made a {$200.00} payment to the lender, XXXX Bank.
In XX/XX/XXXX, XXXX Bank charged me interest, against the terms of the loan. I made a {$130.00} payment and called to find out why interest was charged. I was told my XXXX payment had been held, rather than being cashed, until after the due date, and so now XXXX was permitted to charge interest under the terms of the loan. I asked about the dental discount and the funds that were returned to them, and they claimed they received nothing.
I called XXXX XXXX, and they said they had reduced the cost of my filling to just over {$100.00} and returned all the remaining funds to XXXX Bank.
I wrote to XXXX Bank about this and did not hear anything else until I checked my credit report in XXXX, when a collections agency began listing the full debt plus interest as originating in XXXX.
I disputed that item, and it simply reappeared months later under another collection agency 's name. I attempted to dispute it again, but was told I could only dispute that debt once, and all I could do after that was note the dispute on my report.
In XXXX, the debt became listed under XXXX -- Portfolio Recovery Associates, another collections agency. Once again, I disputed the debt. Once again, I was told that wasn't permitted because it had been previously disputed, and all I could do was note my dispute on my report.
I went through the same process in XXXX and XXXX.
Finally, this year, XXXX, the bogus debt was removed from my credit report. Apparently, despite claiming that it originated in XXXX for 5 years, there was proof that it actually originated in XXXX, and can no longer legally be included in my report.
Portfolio Recovery, however, began barraging me with harassing phone calls from seemingly endless different phone numbers immediately after the debt was removed from my report in XX/XX/XXXX. At first, I patiently asked that they no longer call my phone over a XXXX debt that I never owed and they can not collect. The call volume only increased, coming from more and more phone numbers. I began blocking every call from the company, and the volume increased even more, with even more phone numbers being used. Today alone, Saturday, XX/XX/XXXX, I have received calls from 11 different numbers beginning at XXXX Eastern time, with some numbers calling my phone 2-3 times a piece.
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| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am responding to a recently closed case # XXXX that Portfolio Recovery responded to. They denied any wrongdoing in violating the provisions of FCRA and once again I ask that CFPB comply with 15 USC 1681 ( n ) and any other Liability for damages of which I am owed due to their willful manipulation of the balance owed in order to re-age and negatively affect my credit worthiness. Not only that but to remove these harmful account from my credit report or any other other accounts reported by XXXX and XXXX : XXXX in the amount of {$2600.00} and XXXX in the amount of {$2100.00} or or what was {$2100.00} reporting from XXXX. Also to be removed from XXXX but reporting different account numbers XXXX and XXXX. ( 1st proof of manipulating data- the changing of account names ) Portfolio/ Portfolio Recovery Ass or PRS responded that account # XXXX now on showing as XXXX in XXXX they purchased this account and sent a letter in XXXX. I have never received any letter from XXXX until I started to dispute these accounts which they have used aggressive and illegal practices. I have attached letters and my copies of my credit reports showing deliberate re-aging since XXXX Letters range from XXXX XXXX XX/XX/XXXX where they reported changes and one clear change is the amount. Letters stated debt was purchased for {$2600.00} but on my credit report its {$2600.00}. Each time I dispute, they're-age the account and it drops my score drastically. They deny any claims of wrongdoing but how can you report a change in the balance without real payment? How does XXXX and XXXX notify me of a changes on the account only to re age the collection account by reporting that a change was made to the account. I noticed this was usually when I disputed the account, shortly after the open date changes and the last reported date changes but there was no actual change to the account.
XXXX is currently under investigation for these practices and are illegally manipulating my accounts and the balance reported among other things. You will see how they are violating FCRA and causing me financial damages. which XXXX have been reported of doing. These unethical and illegal practices are in direct violation of several provisions of FCRA, including but not limited ton 15 USC 1692e - False or Misleading Representations XXXX responded in the last complaint that they can not control the way in which consumer reporting reports the information furnished yet willingly furnished that information.
I'm asking that XXXX and XXXX stop validating this debt based off of an itemized bill that the account was opened in my name and my social. I have even gotten a police report on XX/XX/XXXX XXXX # XXXX but even prior to this I provided ample and strong evidence supporting my rights are being violated through illegal data manipulation. I have provided letters and copies of how my disputes are ignored and reports are reporting changes in a different amount and account numbers.
XXXX and XXXX mark my account as to be ignored and this is costing me financially and health wise and I want compensation for these violations.
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| 12/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX Re : Account Number : XXXX Original Creditor : Synchrony Bank To Whom It May Concern, This letter is a response to the notices I received from your company and, more significantly, due to the inaccurate reporting to the Credit Bureaus . I want to make it clear that this is not a refusal to pay but a notice sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable consumer protection laws. I am requesting that the claim be disputed, and I am seeking validation.
This is not a request for verification of the debt or proof of my mailing address. Instead, it is a request for validation pursuant to the FDCPA and any other relevant consumer protection laws. I am asking for competent evidence that I have any legal obligation to pay you.
I request the following information : Clarification on the nature of the debt and the original creditor, XXXX XXXX.
An explanation and breakdown of how the alleged debt was calculated.
Copies of any documents demonstrating my agreement to pay the alleged debt.
Verification or a copy of any judgment if applicable.
Proof that the Statute of Limitations has not expired on this account.
Confirmation of your licensing to collect in the state of New York.
Provide license numbers and the Registered Agent or Agent of Service.
I dispute this debt, and until such time as the requested information is provided, all collection activities must cease.
Additionally, I would like to bring to your attention that if Portfolio Recovery Associates or any affiliated company reports invalidated information to any of the major Credit Bureaus ( XXXX, XXXX, or XXXX ), it may constitute a violation of both Federal and State Laws. Any negative mark found on my credit reports will prompt legal action against your company for the following : Violation of the Fair Credit Reporting Act ( FCRA ) Violation of the Fair Debt Collection Practices Act ( FDCPA ) Defamation of Character Furthermore, the listing of this debt may be considered double jeopardy, a potential violation of consumer protection laws. If this debt is indeed a duplicate or has been previously resolved, its re-reporting may lead to legal consequences.
If Portfolio Recovery Associates fails to respond to this validation request within 30 days from the date of receipt, I request that all references to this account be deleted and completely removed from my credit report. A copy of such deletion request should be sent to me immediately.
During this validation period, I also request that no telephone contact be made to my home or place of employment. All future communications must be in writing and sent to the address noted in this letter by USPS.
I trust that Portfolio Recovery Associates will ensure the accuracy of its records before any legal action becomes necessary. This letter is an attempt to correct my records, and any information obtained shall be used for that purpose.
Sincerely, XXXX XXXX
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| 02/25/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2021 we were notified by Portfolio Recovery Associates , LLC of an alleged debt. We responded on XX/XX/2021 disputing the debt and requesting that documentation be provided to validate the debt. Rather than validating the debt, we instead continued to be contacted for purposes of collecting the debt, despite failing to validate it per our dispute request. On XX/XX/2021 after receiving another attempt to collect via mail I sent a second notice to Portfolio Recovery Associates , LLC reiterating our dispute of the debt and notifying them that they were now in clear violation of the Fair Debt Collection Practices Act by ignoring our request not to be contacted for purposes of collecting the debt until such a time they could validate it. After this second letter was sent, Portfolio Recovery Associates responded to the dispute by providing some of the documentation we requested to validate the debt and their legal ability to collect on it, but failed to provide satisfactory documentation to validate all of our concerns. Because of this I responded to them via mail on XX/XX/2021 requesting that they provide the additional documents that they had failed to provide and reiterated that we are still in dispute of the debt. Portfolio Recovery Associates responded to this request by re-sending the exact same documentation they had previously provided us while still failing to provide the other requested documents such as proof of their being licensed to collect debts in California and proceeded to threaten us with a lawsuit as a means of intimidation and to prevent having to provide the documentation we requested. Despite being in good faith negotiations regarding a disputed debt, we were concerned over this legal threat and decided to make a payment to Portfolio Recovery Associates as a delay tactic while we decided what to do about our legal dispute requests going ignored while simultaneously being threatened with legal action, despite remaining in ongoing good faith communication with Portfolio Recovery Associates.
To our surprise, shortly after making this payment we received a lawsuit stipulation for settlement letter from Portfolio Recovery Associates indicating they had sued us despite not informing us that a lawsuit was being filed and despite the fact we were still in ongoing communication with them regarding a dispute that had not been settled. We have already suffered violations of the Fair Debt Collection Practices Act by Portfolio Recovery Associates , LLC from other debts that they ultimately were unable to verify and were written off. Due to this past history with Portfolio Recovery Associates we had every reason to be wary and demand documentation validating the debt as well as their legal ability to collect on any debt they could validate. The threatening and filing of lawsuit without notifying us while failing to provide all the requested documentation is exactly why they should be worried about a lawsuit. If they want a settlement, then we will offer on on our terms if they wish to avoid going to court to resolve the issue.
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| 02/18/2017 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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WHICH BEST DESCRIBES YOUR ISSUES - none of the options apply but I was forced to choose one. They did not attempt to collect the wrong amount but they have continued to give me the run around and provide me with false information or they do not follow through with what they say they will do.
I contacted Portfolio Recovery Associates to negotiate settlements on accounts that were reporting to the credit bureaus. The XXXX account I paid was on XX/XX/2017 and I asked for a letter to memorialize the settlement. I was told I would receive by e-mail in 24 hours but never received it. I called on XX/XX/2017 to payoff other accounts and came to an agreement to settle XXXX more accounts. I asked for an arrangement letter for these accounts as well as for the account paid on XX/XX/2017 that I did not receive. I waited 24 hours and called again asking about these letters always being told I would receive in 24 hours. I explained that I am under a deadline and could lose housing opportunities if I do not have these letters. I called every day, sometime 2x a day. Finally on XX/XX/2017 I called again and reached an associate who put me through to another supervisor ( XXXX XXXX in XXXX ) who just kept giving me bad information and would contradict himself. He said that they were not able to provide a letter through e-mail, that I could not have an arrangement letter until 48 hours after payment was received, could not have a {$0.00} balance letter for 10 days, and they could not use my husbands e-mail address for communication to me. When I tried to tell him we were accommodated when we paid off my husbands collections he was not interested. I asked again for arrangement letters and provided my personal e-mail. XXXX XXXX told me I would not get any letters until my e-mail address was verified and that he would need to send me a disclosure e-mail to respond to - again this could take up to XXXX hours. I finally received some letters through my husbands e-mail address but 1 of the letters was from an older account that I did not ask for and 1 of the other 4 letters I was expecting was not provided. The 3 letters received were poorly written, included the wrong dates, did not include the original balance so the balance could be matched to the credit report, and showed a current balance of {$0.00} with a payment due. I contacted the Ombudsman office in an attempt to resolve and I was sent the same poorly written letters in addition to the letter I was missing but now this also was poorly written and included incorrect information ( reports that I still owe money ). I called the rental relations company I am working with to see if they would call Portfolio Recovery and verify the accounts have been paid and when the rental relations company called Portfolio Recovery Portfolio Recovery would not verify any information. I am not sure why it is so difficult to get a letter from this company acknowledging the settlements they have agreed to. Every time I call I am connected to a different person and receive different information. I do not know what to do next.
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| 10/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It XXXX Concern : This letter is in response to the validation previously sent. The partial documents sent are not sufficient proof that I owe a debt to you, Portfolio Recovery Associates LLC. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally and well as financially. Your Company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a Consumer Contract as evidence of the debt but as per the judgement in the case of XXXX XXXX XXXX v XXXX, a copy of the Consumer Contract or statements is NOT sufficient evidence of a debt. Furthermore, the original creditor reported this on my consumer report as a " charge off '' and they are no longer attempting to collect this alleged debt owed by them. I have contacted XXXX XXXX directly to confirm that they are making no further attempts to collect this debt. Through the response received from this creditor, I would like to inform you that you are in violation of 15USC192j ( a ), because your company furnished a deceptive form to create a false belief in me as the consumer that the " creditor '' was attempting to collect a debt, but XXXX XXXX has informed me that is not true. Pursuant to 15USC 1692j ( b ), any person violating the above mentioned section shall be liable to the extent mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX dollars USD ) per violation. I have counted several thus far. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Delete from all consumer reports 2. Clear away any alleged balance owed 3. Stop all attempts to collect on this alleged debt REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE And NEGATIVE REPORTING OF THIS DEBT You shall be granted 10 days to comply. Should you not, I will put this case forward to the Attorney General and pursue legal action for the violations identified above. Please govern yourself accordingly, XXXX XXXX XXXX Acct number XXXX ref # XXXX
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| 06/23/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/19 on my cell phone, I found a missed call log entry at XXXX XXXX from XXXX at an unknown location. I XXXX the 866 number and found multiple descriptions of the source as Portfolio Recovery, a collection agency and financial services firm. Many comments about the company described calls that were baseless, harassing, and unremitting. However, Portfolio Recovery was also described as a huge corporation, now called PRA Group, that buys debt cheaply from creditors and then tries to collect not as cheaply from debtors to make a profit. The internet reported that the New York State Attorney Generals office and the federal Consumer Financial Protection Bureau have both taken significant actions against the company under its several names for improper and sometimes deceptive debt collection practices. I responded to all this by checking my three credits reports, none of which showed adverse information ; I was aware of no debts not promptly paid by me. I then called the 866 number from my cell phone and spoke to a representative. I indicated to her that I was returning a missed call from her number. I gave her my phone number. She said that for her to tell me the reason for the call I would have to give her my name. I declined to do so because of adverse information about her company on the internet, and I stated that if her company has any demand to make of me, she can use my phone number to find my name and mailing address, if these latter data are not already in her companys hands, in order to send me the demand in writing. I told her that my credit reports have confirmed that I have no bad debts outstanding. I then filed the above narrative as consumer complaint # XXXX at the CFPB website on the same day. PRA responded via the CFPB on XX/XX/19 by requesting, in order to investigate the problem, the number of the cell phone on which I had received the company 's call. My feedback on the same day via the CFPB website stated essentially that the companys response was not substantive and that no action or plausible promise was made by the company. My reason for that feedback was the contradiction between 1 ) the companys request via CFPB for my cell phone number and 2 ) an assertion on the phone by the companys customer service representative that my phone number, which I had told her, was not sufficient and that my name would have to be provided. I am now initiating a new complaint via CFPB because today on my cell phones missed call log I found a XXXX XXXX entry from XXXX from an unknown location. I XXXX the number ; some among the many hits of complaints identified the source of that same number as Portfolio Recovery. I had not contemporaneously been aware of or picked up the call and I will not call back. I will not disclose personal information in this complaint. As I had told the customer service representative by phone on XX/XX/19, if the company has my phone number, it can use that information to find my name and address and thereafter to notify me in writing by regular U. S. mail about any ostensible pecuniary demands.
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| 05/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability.
Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file.
If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due.
If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings.
The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA.
In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress.
According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person.
In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased.
You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent.
Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
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| 02/28/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Everyday since XX/XX/XXXX Portfolio Recovery continues to harass me. The originally contacted me back in XX/XX/XXXX about a credit card issue from a store card issued by XXXX XXXX. I had had issues with the card issuer as I closed all my cards that were with that bank. In the shuffle of paying off all 3 between XX/XX/XXXXand XX/XX/XXXX they didn't apply payments correctly, one was a settlement that i had to fight them to honor because they were still stating that money was owed and it wasn't, one card was paid in full per the terms and then the express credit card debt which Portfolio Bought is not the correct amount. when I was initially contacted I explained that the amount was Not the correct amount that I needed more information from them regarding this debt, when they purchased it, and to notify me in writing the gentleman that i informed of this was extremely rude, very threatening telling me that i had to make the payment now or i would end up in jail and was very vulgar with the language.. I never received anything from them and the calls stopped after I mailed the letter around XX/XX/XXXX. Then they started up again in XX/XX/XXXX, I spoke with a lady, and explained that i never received the information that I requested regarding the amount and validity of the debt, and she kept pressuring me to give her my account information so they could take the payment and be done with it. I had explained I was out on a medical from work at the time and they were having me file for XXXX. Then she started harassing me with well if i wasn't working how was I surviving ( food stamps and my company was still providing my medical coverage and i had family helping with my XXXX XXXX XXXX childrens medications and their child support was providing for their schooling and clothing and supplies ). She kept battering me on well i should have something to give them over the phone right there. Kind of hard when you have XXXX cents in your checking account and still waiting for XXXX. I informed her one more time that I was filing for XXXX, I had no funds and I never received the paperwork I had requested in XX/XX/XXXXregarding proof of the validity of the amount. Calls stopped up until XX/XX/XXXX. Since then they are calling everyday 4-20 times a day on my landline and my cell phone, as well as harassing family members and have even continually contacted my former employer even though i'm no longer there, and they are spoofing numbers. They are calling from over 40 different numbers and only 1 number will come up Portfolio recovery on the caller ID but they are using other companies like plumbers, medical labs, local numbers and when you call back your connected to the actual business and not Portfolio. This has to stop. I'm still waiting on XXXX, trying to make sure my kids have food and their medications as well as my medications and the anxiety of these constant phone calls because they aren't following the law is making me sicker. I see they have been reprimanded on a few occasions for the same tactics that they still are continuing to use.
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| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, I returned a phone call from Portfolio Recovery XXXX who called multiple times within the last few weeks but never left a voicemail. I returned the call and realized it was Portfolio Recovery. The first representative I spoke to told me that my debt amount was {$3200.00}. I told the guy, if I am able to make a one time payment of {$1800.00} right now will you be able to delete the debt. He made me aware that because my account is in a judgement status, I normally can not make a settlement but that he will contact his Assistant Vice President which he did. He asked what I do for a living and I replied that I am a case management specialist ; he also asked why did i stop making payments on the debt in XXXX ; I replied becuase I was without a job and that I have sickle cell that has me in and out of jobs. He clicked over spoke to the other party and clicked back over and said that he was able to get the payment down to {$2400.00}. I replied no, I can do {$1800.00}. He responded ; Can you do {$1800.00} and make the remaining payments. I said no and that I will just send a dispute letter and start from there. He told me to hold on ; he came back to the phone and said that they will settle for {$1800.00} close out the account. I had the guy repeat what he said and I asked if this was being recoreded and which he replied yes. He proceeded to ask for my debit card number which i provided. In the mist of reading the disclaimer to me, he had me wait for approximately 25 minutes. After the money was removed from my bank account, the representative got on the phone and said they declined the {$1800.00} after taking the money out of my account. I needed reassurance so I asked " you all accepted the offer took the money out of my account then declined the offer and said that I can make payments which I did not agree to. '' The representative responded that they will refund me which will take a week. At this point I was provided false information and {$1800.00} was taken out of my account. The conversation ended. I called back and got a different representative and I asked, " if this call was being recorded '' and the response was yes. I asked to speak with a manager and they were able to get me to someone. I explained my situation and the response was if the debt is in judgment, there is typically no settlement for less. But they also said that I have a balance of {$2800.00}. At this point I was confused because I was given three different balances and was told that the settlement was for {$1800.00} after they took the money from my account and reneged on an agreement. I was then told that a complaint would be put in on my behalf because I couldn't put the complaint in myself. I was told that there was no time frame in getting a response. After being misguided, after be presented fraud information to obtain money from me, after the company reneging on its own wording, I would like to settle this for {$1800.00} that was taken out of my account as an end to debt ratio as I was told in the beginning. This has all been recorded.
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| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NOTICE OF PENDING ACTION SEEKING REMEDYAND MONETARY DAMAGES PURSUANT TO FCRA SECTION 15 USC 1681N Civil Liability for Willful Noncompliance, 15 USC 1681O Civil Liability and Negligent Noncompliance, and 15 USC 1692K Civil Liability.
Accept this last written OFFER OF SETTLEMENT BEFORE LITIGATION as my last ditch effort to reach a settlement to end your ongoing violation of the Fair Credit Reporting Act about your failure to remove information from my consumer file.
If the items specified in my letters are not immediately removed, I intend to file a lawsuit under the FCRA to demand relief and reclaim any financial damages I may be due.
If you choose not to accept this offer of settlement, a formal complaint will be filed with the Federal Trade Commission, and copies of this letter, as well as copies of the three written letters we previously gave you, will be included. This documentation will also be used as evidence in any future legal proceedings.
The items shown on my credit report continue to be there despite three formal requests, which is against the law. The FCRA requires that you keep a copy of the original creditors ' records on hand as proof that the information is my and accurate. You wrote in the findings of your inquiries that you " verified '' these items are being " reported correctly ''? Who checked these reports? You have not given me a copy of ANY original paperwork, including a consumer contract that bears my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
In accordance with Section 611 ( a ) ( 7 ), you have also neglected to give the method of verification. Please be aware that you are required to " ... promptly DELETE all information which can not be verified '' in accordance with Section 611 ( 5 ) ( A ) of the FCRA.
In the event that you break federal law, the law is extremely explicit about my civil obligation and my options for redress.
According to 15 U.S.C. 1681b ( a ) ( 2 ), your business is in violation of the following : According to the following conditions and none more, " any consumer reporting agency may furnish a consumer report : In accordance with the written instructions of the consumer to whom it relates. '' I have never given written permission for any consumer reporting agency, including your business, to provide my consumer report. I am the consumer and a natural person.
In accordance with 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency is also required to carry out its serious obligations in a way that respects the consumer 's right to privacy and is fair and unbiased.
You have breached my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) by providing the accounts identified in Exhibit A on my consumer report without my written consent.
Additionally, your business violated 15 USC 1692j ( a ) by producing a false form that led creditors and employers to believe I was in debt, despite the fact that you are unable to substantiate this claim. If the debts were real, you gave the misleading impression that I couldn't afford to pay them.
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| 01/13/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PORTFOLIO RECOVERY ASSOCIATES LLC account # XXXX This is a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you along with a contract with my signature showing I have an agreement with your company * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector in my State * Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA *Defamation of character If your agency can provide me with the requested documents, I will need minimum XXXX days to investigate this information, and during this period of time, all collection activities must be stopped.
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is.
If your agency/company fails to respond to this debt validation request within a period of XXXX days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 02/02/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about XXXX XXXX XXXX, I decided to visit the company XXXX XXXX to participate in a trial consultation. The advertisement said permanent but forgot to mention that this applies to XXXX XXXX ( ONLY ) which is what I found out during the ONE and ONLY Visit ( consultation ).
After smelling like a burnt rat for a couple of hours and discomfort for a couple days.
I was told by the technician that it would get better after a couple visits.
After considerable reflection on the Pros and Cons of getting the hair removal, the smell of burnt hair and the pain associated with the treatment, I decided to cancel the contract.
I was told it would be at NO COST if cancelation was completed within 30 days.
I personally when back to the XXXX XXXX XXXX and cancelled the treatment they check the system and said it's completed and I will receive a letter in the mail indicating my withdrawal ( cancelation ).
What came in the mail after the 30 days was a bill for the full amount {$2500.00} I called the number on the bill in an attempt to cancel and I was told that it was too late even though the services and/or treatment was never used, the so called plan was expired in XX/XX/XXXX and by then XXXX /XXXX XXXX had accrued interest for a total of {$370.00} bringing the bill to a Grand Total of {$2700.00} Since then XXXX /IXXXX XXXX has changed employees and even though there system still shows that NO Billable Services used or funds debited against this account from inception, they sold the debt to another company by the name of Portfolio Recovery who continues to call every single day since, in an attempt to collect.
I have tried disputing this charge several times but the phone calls continues.
My credit is now ruined as a result and it's now difficult to retain a decent interest rate of anything I procure.
This is unfair and I believe someone should really take a serious look at XXXX XXXX and there reporting practices since they are at an advantage on the rules and regulations with regards to Credit & Fico Scores versus an individual.
Who gave XXXX and/or these conglomerates the right to report without the facts being correctly censored.
This is now affecting my life and the livelihood of my family.
I refuse to pay because I have NOT used these services yet I am the one being punished by high interest rates and a derogatory credit.
My question to XXXX XXXX is where is the {$2500.00} because the cash was never given to me, nor was it used by me as intended?
XXXX XXXX principal responsibility should be to return the funds back to XXXX XXXX as unapplied cash. Why isnt XXXX XXXX not going after XXXX XXXX for there money.
The default and derogatory credit should have been placed on Ideal Image and/or there account NOT on me, because I never used the services, as I withdrew from the treatment prior to the 30 day window.
Thank you very much for providing a forum for complaints, not sure what you can do but I am thankful for the support.
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| 07/30/2015 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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Early morning today, I checked my bank account online XXXX XXXX XXXX XXXX XXXX and I found that I have been charged {$1400.00} as part of a Legal Order. So I called XXXX XXXX XXXX to ask them about this because I did not know why I was being charged for a Legal Order.
XXXX XXXX XXXX told me that they did n't have more information on this other than providing me with a phone number listed in this Legal Order ( I can not even view this information on my only bank account ) that forced XXXX to take money out of my bank account and give it to another party. XXXX gave me the phone number of the Connecticut 's XXXX XXXX Office XXXX. The number they gave me was XXXX XXXX XXXX XXXX.
I then called the CT XXXX Office. I was told by the XXXX Office that they issued the Legal Order on behalf of the debt collecting law firm XXXX XXXX XXXX and that XXXX XXXX XXXX is representing Portfolio Recovery Associates -- a private debt collection firm. My personal name was cleared of any possible wrongdoing in this case that led to the debt collection but I was told by the XXXX Office that the Legal Order was served on my mother -- whose name was on my bank account up until more than a year ago. The XXXX Office also told me that apparently monthly payments of {$35.00} XXXX for what service or product they do not know ) had not been paid and as such, over the months and years, the penalties increased to {$1400.00}. I was also told that I can fill out an exemption form ( CT form XXXX ) to have the money returned to my bank account and have my mom work out a payment arrangement with the debt collection agency. The XXXX Office proceeded to give me the phone number of XXXX XXXX XXXX -- the law firm.
Before I called XXXX XXXX XXXX, I called my mother to ask her if she has been receiving anything from any debt collection agency or the law firm XXXX XXXX XXXX. She told me that she has not been receiving anything from either of those entities. She also has not even been aware of any outstanding debt under her name. And indeed, I can concur with her statements because I live in the same house as her and I have not seen any legal notice or anything from either of these two entities either.
I called XXXX XXXX XXXX somewhere around XXXX today and was told that the I can not speak to them about the case unless my mom speaks to them ( since, they said, this was my mom 's case after all ) and gives them permission to speak to me on her behalf ( my mother can not speak XXXX very well ). The representative from XXXX XXXX XXXX told me that I had until XXXX to call him back today. I called him back at around XXXX today and was told by the office voicemail that the office has been closed at XXXX. This is starting to sound like it is outside the bounds of legality and I am starting to get suspicious.
I want to emphasize that neither my mother or I were served any legal notice or bill in regards to this mysterious amount of {$1400.00} or anything requiring me or her to pay {$35.00} per month. We received nothing in the mail and nothing via email either.
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| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA XXXX XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$500.00} TO BOTH OF YOUR COMPANIES? This is a formal notice that your erroneous claim ( s ) is/are now disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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| 12/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I called Porfolio Recovery Associates twice today to stop calling me and harassing my family. The person ( s ) name given who they were looking for was close to mine but not me. It 's happened before and I have had to go after those debt collectors for mistaking me as the person they are looking for and then harassing me even after I have proven I am not the person they are looking for.
This company has been calling my number under a variety of caller id 's and different numbers. I have traced back to them for some time. They ring my home all hours. Today was the last straw as I have previously requested they stop calling me. I called in the XXXX today just after XXXX and requested they stop calling. They wanted to know if I was XXXX XXXX or XXXX other names of which none were.
I told them I am familiar with their poor practices as they bought this XXXX debt for cents on the dollar just like the last company unless they are all the same just renaming themselves. The same company that called two decades ago started calling all over again and I had to file on them again. My name and number keeps getting sold to sleazebags like this who say will remove me from their list but they just sell it.
I have had to go after XXXX for falsely accusing me as some XXXX woman they claimed was at my number but never was.
25 years ago I took over this phone number from a male, who had it for a decade prior. He had no female associates or wives.
I called PRA and I requested this afternoon to speak to their litigation department. I politely requested to have their mailing address and to record them but after 10 requests their attorney of representation would not give it to me. I gave her my phone number which she stated was NOT in their records.They have harassed me yet they CA N'T give me their mailing address so that I can send them a cease and desist letter??? That 's harassment also.
I use a voice recording and call service that logs ALL calls including hangups. Several of the numbers will say PortfRecovery, or Account Services so I call them and ask them to stop calling.
A couple of decades ago we started getting these calls. I helped the first firm ( I have the letter in a safety deposit box which I can provide if needed ) who were not to be dissuaded at first that they were close in name but it was not me nor my ss #. I wrote them a letter which I still have requesting they remove my information tied to that debt.
PRA is now harassing me all over again. I have a spotless credit record. I am not the party they are looking for and I have requested they STOP calling me XXXX, even if it 's a different number they use, it 's the same company. I have logged their calls.
I want no further contact by the business and that they destroy any reference to persons they associate with my number. And if they have a debt, it 's not mine as my stellar credit will attest to. They must destroy and never sell my information, address, telephone or any names they have associated with it to their subsidiaries, or sell off to.
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
My experiences with this situation has been very rough due to the damage of my credit.
|
| 12/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2020, I submitted an online complaint to the Consumer Financial Protection Bureau, about a negatively reported collections account ( XXXX ) from Portfolio Recovery Associates onto my credit files on XX/XX/2020, in which I never received documentation to dispute the debt. In response to my dispute on the Consumer Financial Protection Bureau 's website, Portfolio Recovery Associates indicated and provided evidence that they sent a letter correspondence to my home on XX/XX/2020 ( see attachment. ) Upon review of that letter, it contained an address that I have never resided at in my life and Portfolio Recovery Associates stated that when they did not hear back from me that is when they reported negatively to my credit files with all three credit bureaus and since my complaint, they have submitted sufficient evidence to that address to connect me to the debt that they purchased. I am writing this complaint because I just received correspondence from Portfolio Recovery Associates at my correct address dated XX/XX/2020, indicating they received my dispute and provided me with documentation that they feel links me to the debt, such as my last 4 of my social security number, the account open date provider by the seller and just my name. In my previous complaint ( XXXX ), I asked for the following information in totality " The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed that includes a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. - Documentation that states whether this debt is within the statute of limitations and how that was determined. - Specify your relationship between the original creditor and your agency. - Provide documentation from the original contract the bears my wet-ink signature that shows that I am the intended party of the debt and then show what documentation transferred between the original creditor and your company that gives you jurisdiction to collect this debt. - Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Again I would like all the requested information provided to me in totality via postal mail due to your companies deprivation of allowing me to request this information independently before you placed this account on my credit reports. Any omission of the requested documentation yields the inability to validate the alleged debt and therefore the account must be removed from all credit bureaus immediately. ''
|
| 03/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Upon re-review of my Credit Report I noticed company name : Portfolio Recovery continues to report 3 collection accounts under my name. As previously stated in my last compliant, I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating, Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established, Agreement that bears the signature of the alleged debtor, Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. Portfolio Recovery has reported an erroneous address to all 3 of the credit reporting agencies. As of today, a new unknown address located in Alabama ; XXXX XXXX XXXX XXXX, Alabama XXXX is now reporting on my credit file causing credit applications to deny and causing my credit profile to contain an address out of the state I have lived in for over 21 years. Portfolio Recovery continues report and re-report inaccurate and erroneous information to my credit file causing damage to my credit file and credit application denials. I have never lived in the state of Alabama and now this new unknown address is associated with my credit file because this company continues to violate Fair Credit Reporting Act ( FCRA ).
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This company also failed to validate this debt and as a result Portfolio Recovery has added a new unknown address to my credit file. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name.
The company responded to my last request but have failed to take the necessary action by removing my inaccurate erroneous data from all 3 of my credit files but instead added new inaccurate data to my credit file. Portfolio Recovery obviously has mixed my personal data with someone elses data which in turn caused a new address to drop on my file out of the state of Georgia to which I have never resided.
Remove these said accounts and this new reported address ; XXXX XXXX XXXX XXXX, Alabama XXXX from my credit files immediately. I will be forced to take legal action if this is not done. My credit file continues to maintain inaccurate data due to wrongful reporting by Portfolio Recovery.
|
| 08/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I made my initial complaint against portfolio recovery approximately 2 weeks ago. It wasnt until the company received the compliant that they sent me a letter dated XX/XX/2018, which is all in XXXX a language I dont speak so I still dont know what it says. My compliant with this company is they are attempting to collect against the wrong person. Prior to the company placing the account on my credit file, they called me several times and we could never get past verification because the information they have on file does not match mine. At the time I didnt have an account number ( just received it on the XXXX only letter dated XX/XX/2018 ), so we couldnt discuss the account, all the customer service agent would say is they cant speak with me because the information didnt match, and they would remove my number.
In the CFPB response the company stated the debt was via XXXX XXXX, I have never had a XXXX XXXX account, in fact when XXXX XXXX placed the account on my file they had to remove it because the account doesnt belong to me. Nonetheless, even if the account was ( which it isnt ) valid with XXXX XXXX, that doesnt negate that I owe portfolio recovery that ONLY means I would owe XXXX XXXX ( which I dont owe either ). I have NO contract, obtaining my wet signature acknowledging a debt or establishing a contract with portfolio recovery, therefore in accordance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of this debt. Please note, this is not a refusal to pay nor is it an acknowledgment of this debt, rather a statement that your claim is disputed, and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe, portfolio recovery, the said debt and have any legal obligation to pay you ( portfolio recovery ).
Please provide me with the following : 1. Contract between myself and portfolio recovery that A ) acknowledges the debt and B ) agreement to pay your company not the original creditor ( any information including bills, contracts and/or any other paperwork from the alleged original creditor, XXXX XXXX, is NOT lawfully under fair credit act considered to be a binding contract between myself and portfolio recovery nor given portfolio recovery the right to collect this debt ) 2. Show me that you are licensed to collect in my state ; and 3. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
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| 11/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Around XX/XX/XXXX, I received a notice to appear before a court, in regard to an Affidavit of Judgment made by Portfolio Recovery Associates, LLC. At the time, I was not aware of who this company was, nor the request of my appearance. So, I decided to look further into PRA, XXXX and the reason being of me going to court. I first checked my local case search website, and discovered that an attempt to take me to court went back into XXXX of XXXX, which was unbeknownst to me. I also noticed that the recent court date received as erected from an alleged summons that I did not receive. I later produced a request for a validation of debt as well as filed for a motion to strike. Their correspondence was a packet with alleged records of transactions made through XXXX XXXX, along with an alleged statement about the debt being sold to them by XXXX XXXX. I continued to dispute this alleged debt because it was honestly not mine. I sent a letter to XXXX XXXX to investigate how and why my name and other personal information was being used for something that was not in my doing. Also, I expressed to them that I never had nor opened an account with them to begin with. Fast forward, a XXXX hearing was conducted sometime in XX/XX/XXXX for my Motion to Strike Service, and I requested to take it to trial. Trial was set for XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX stating that upon investigation they discovered that the alleged account was not mine, and was closing the account that was under my name. A little before, PRA, XXXX dismissed the case and also sent a letter basically stating the same as XXXX XXXX. A request to issue a freeze was granted by the three major credit bureaus. XXXX XXXX and PRA, XXXX also stated they were going to notify the credit bureaus as well. The negative report was wiped off my credit report, but the damage is still present. From XX/XX/XXXX to XX/XX/XXXX, my credit report consisted of negative account activity because of these frivolous claims. My identity and other personal information was not only stolen and misused, but XXXX XXXX and PRA, XXXX did not do their due diligence to investigate when I constantly disputed this alleged debt. So, my personal information was sold and used freely to produce an alleged debt that never existed. Furthermore, I was denied employment amongst other luxuries that deprived me of my God given right to enjoy life because of the negative reports that was place on my credit report due to this false claim of an alleged debt. When purchasing my first car, in XX/XX/XXXX, I had to settle for something around a 24.97 % interest rate from the only auto loan provider that would give me a chance. There are a slew of violations that I've documented that both companies should be held accountable for. I don't think it's humane for an entity or corporation to deprive a living man/woman of his life, liberty, and pursuit of happiness because of their presumptions and/or dishonorable intent, and walk away freely after doing such damage.
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| 08/13/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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XX/XX/XXXX This complaint addresses several outstanding problems by Portfolio Recovery Services.
1. Improper continued contact in violation of the FRCPA after Portfolio acknowledge a debt dispute letter on XXXX XXXX instructing Portfolio to cease making telephone contact.
2. Re-aging of debt on a credit bureau report 3. Incorrect credit bureau reporting showing this disputed collection and is 60 days past due when no contract or agreement has been entered into to make payment on the disputed debt **Portfolio Recovery Services has XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau .
This complaint concerns a credit card debt disputed with XXXX XXXX. XXXX XXXX has sold this debt to, currently, three separate collection agencies. Portfolio Recovery Services is the latest of these three agencies. This is a disputed debt.
On XX/XX/XXXX, a certified USPS letter was sent to Portfolio Recovery Services disputing the debt and instructing Portfolio not to make further phone contact ( see exhibit 1, debt validation request dated XXXX XX/XX/XXXX ). This letter contains the exact phrase, " THAT YOU CEASE FURTHER TELEPHONIC CONTACT '' on the first page in BOLD letters!
On XXXX XX/XX/XXXX, Portfolio responded by USPS acknowledging they had received a recent communication concerning my Debt Validation Request made pursuant the FDCPA, This is provided as EXHIBIT 2.
Yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) Portfolio Recovery Services made phone contact with me. On XX/XX/XXXX, I instructed the service rep at Portfolio they had received a request to stop calling me. Their response was you need to act like and adult and discuss this like grownups do.
On XX/XX/XXXX, I received another call and again, instructed the service rep that they are not to call me. The rep asked me to PROVE I sent a debt validation dispute with the instruction " THAT YOU [ sic Portfolo ] CEASE FURTHER TELEPHONIC CONTACT.
Both of these calls are in direct violation of the FDCPA where a collection agency has been explicitly instructed not to make contact acknowledges the letter not to make contact then continues to repeatedly make contact.
Portfolio recovery Services is also falsely providing derogatory information to the three credit bureaus. Portfolio in addition to listing a disputed debt, has filed additional derogatory information in the form of representing payments to Portfolio are 60 days late.
Portfolio has also re-aged the debt which was opened on XX/XX/XXXX and which became delinquent on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. Portfolio has re-aged the debt to reflect XX/XX/XXXX.
Portfolio Recovery Services is a debt collection agency that is a repeat serial offender, having more than XXXX matched complaints out of XXXX total complaints with the Consumer Financial Protection Bureau. This agency has repeatedly abused citizens nationwide and continues to without repercussions of the Harm and damage to people 's character and credit.
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| 04/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Re : Portfolio Recovery Associates LLC Acct # : XXXX Dear Sir/Madam : I want to make a formal complaint. I have filed several disputes with Portfolio Recovery Associates , LLC. They had failed to validate an account under the Federal Debt Credit Practice Act. Portfolio Recovery Associates , LLC. failed to delete the inaccurate information between myself and Portfolio Recovery Associates , LLC. due to non-compliance.
The Federal Debt Credit Practice Act specifically states : 15 USC 1692g ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
The Federal Credit Reporting Act specifically states : 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate It appears that Portfolio Recovery Associate LLC have a constant habit of non-compliance of not validation my alleged account, not replying to my dispute and reporting inaccurate information.
I see you recently filed a complaint with Virginia XXXX XXXX against Portfolio Recovery Associates for their illegal debt collection and credit reporting violations.
Case # XXXX Portfolio Recovery Associates , LLC XXXX reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
This inaccurate reporting has damaged my livelihood.
According to the law-the Federal Credit Reporting Act a consumer reporting agency must report maximum possible accurate information.
This is a violation of the Federal Debt Credit Practice Act and Fair Credit Reporting Act by Portfolio Recovery Associates , LLC. I demand that this information be deleted from my consumer reports.
Original Creditor : XXXX XXXX Account # XXXX Thank You, XXXX XXXX
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| 10/14/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I am writing you regarding the ADMINISTRATIVE PROCEEDING File No. XXXXConsent order as I am a Restitution Eligible Consumer. I am asking for a full refund of {$2700.00} and that all references to this account be deleted from all of my credit reports. I would be very grateful if this could be resolved. Please see that Portfolio Recovery Services is in compliance with the order.
I made payments directly to Portfolio Recovery Associates on a time-barred debt collection account that was too old for litigation. I received several letters that contained time-limited settlement offers that failed to disclose that the debt Portfolio was collecting was too old for litigation. The letters contained statements creating a sense urgency. Some of the statements were " These savings wo n't last long '' and " CALL NOW to take advantage of these limited time offers, '' and " Your first payment must be received NO LATER than the date in the attached letter '' and " Your account will be considered 'Settled in Full ' after your final payment is posted. " From XX/XX/XXXX through XX/XX/XXXX, I received letters implicating the alleged debt was selected for future legal action based on reviews by attorneys. I was bullied into to making payments after receiving calls from PRA 's Litigation Department and made several payments. The Debt had not yet been placed with an attorney ; and I was not informed during the call that the Debt had not been reviewed by an attorney. I was told that if I did n't make payments Portfolio Recovery would move forward with the litigation process unless and that the only way to stop the lawsuit would be to pay right away.
From XX/XX/XXXX through XX/XX/XXXX, I repeatedly disputed the validity of the account that Portfolio was trying to collect on. I sent validation and verification dispute letters to Portfolio and I also disputed information on my credit reports, including XXXX, XXXX and XXXX and in each response Portfolio replied that information that was accurate, complete and reliable. From XX/XX/XXXX through XX/XX/XXXX, I repeatedly advised Portfolio Recovery Associates that significant inaccuracies existed on my credit reports and the collection documents Portfolio sent me and the phone calls I received. In each instance, Portfolio responded to Credit reporting agencies that information reported was " verified ''.
From XX/XX/XXXX through XX/XX/XXXX, Portfolio Recovery Associates repeatedly called my cell phone. When I answered the calls and tried to communicate and resolve and dispute the alleged debt, Portfolio Recovery Associates told me that calls placed to my cell phone could only be prevented before XXXX and that I should authorize Portfolio to call in the future.
Since XX/XX/XXXX I have filed several complaints with the FTC, I have not received any responses. I am so happy that your agency stepped in and took action.
Finally, and most importantly I am asking that full refund of {$2700.00} be issued and that Portfolio follow the terms of the order.
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| 10/09/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XX/XX/XXXX, PRA LLC ( Portfolio Recovery Associates ) was mailed a letter requesting validation of a deb they had sent me notice of.
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XX/XX/XXXX and received XX/XX/XXXX.
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ).
PRA LLC failed to provide any validation.
PRA LLC proceeded with further collection activity as evidenced by their correspondence of XX/XX/XXXX demanding full payment of the {$990.00} they claimed to be owed.
Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, PRA LLC proceeded to demand payment in full without providing any validation as requested and required.
By proceeding with collection activity and demanding payment, PRA LLC did violate the FDCPA and PRA LLC did violate the XX/XX/XXXX Consent Order which PRA LLC voluntarily entered into with CFPB.
On XX/XX/XXXX, PRA LLC did author correspondence to me, providing me copies of XXXX billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT.
On XX/XX/XXXX, IN A SEPARATE WRITTEN COMMUNICATION, PRA LLC also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account.
BOTH letters DATED XX/XX/XXXX were received XX/XX/XXXX.
XXXX DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XX/XX/XXXX.
It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XX/XX/XXXX would not have been received by the alleged debtor as of XX/XX/XXXX.
In that PRA LLC has elected to respond and act as if I am 100 % To Blame for all of the failures of PRA LLC .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against PRA LLC and any other party who may contact me or attempt to collect this debt based on PRA LLCs failure to provide debt validation as required prior to proceeding with collection activity and demand for payment.
This matter has been turned over to my legal counsel. Any and all information and communications provided to PRA LLC will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
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| 02/09/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped.
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is.
If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 08/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Sir or Madam : I would like to first say that I am a consumer and natural person. During the pandemic, I took advantage of the free consumer reports and I discovered two collections from Portfolio Recovery Associates. I reached out to PRA via letter dated XX/XX/2021, and I asked for validation of alleged debt for two accounts on my consumer report. As listed on my consumer reports, one says I allegedly owe {$680.00}, and the other says I allegedly owe {$790.00}. I received a letter saying they validated the debt with a remark that says " this is a communication from a debt collector but is not an attempt to collect a debt at the bottom of the letter which was confusing because they are attempting to do so, and I asked them to further explain this statement, and they also included two alleged bank statements for one account and completely IGNORED my request for the second account.
The documents I requested from PRA included the following : 1. ) copy of application for credit to see what alleged debt they claim I owe, 2. ) copy of cardholder agreement and its amendments to show what terms of the agreement are, 3. ) monthly statements from when I allegedly had a XXXX balance up until the final statement ( which includes all charges, credits, etc. to compare with the cardholder agreement, and 4. ) the FULL purchase agreement to determine if they had the authority to collect any debt as Ive never done business with PRA.
I responded with a letter dated XX/XX/2021, and it was signed and received certified return receipt. In this letter, I put PRA on notice that they failed to validate the debt of both accounts and completely ignored one of my requests, and I demanded they delete both accounts from my consumer reports. PRA did not respond to my letter of me enforcing my consumer rights, and I have proof that they received the letter on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ).
The silence by Portfolio Recovery Associates proved admission that they could not validate the alleged debts. I do NOT appreciate being taken advantage of and damaged these years. A final demand for deletion of both accounts on my consumer reports was requested via letter that was dated XX/XX/2021. It was signed and received certified return receipt on XX/XX/2021, at XXXX ( Proof of certified mail return receipt delivery attached with the signature of the individual who received the letter ).
I am a victim of abusive, deceptive, and unfair practices ( including debt parking ). Portfolio Recovery Associates has explicitly violated my consumer rights.
For reference and learning my rights, I have found the following violations that PRA has committed : 15 USC 1692b ( 2 ) 15 USC 1692d ( 1 ) 15 USC 1692d ( 2 ) 15 USC 1692e ( 2 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692e ( 11 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692g ( a ) 15 USC 1692g ( b )
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| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately!
The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The inquiry was not authorized - Date of inquiry : XX/XX/2020 Please investigate and delete from my credit report.
5. This is not mine. Please supply information on how you have verified this item.
XXXX Account Number : XXXX Please investigate and delete from my credit report.
6. This is not mine. Please supply information on how you have verified this item.
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
7. This is not mine. Please supply information on how you have verified this item.
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
8. This is not mine. Please supply information on how you have verified this item.
XXXX Account Number : XXXX Please investigate and delete from my credit report.
9. This is not mine. Please supply information on how you have verified this item.
XXXX Account Number : XXXX Please investigate and delete from my credit report.
10. This is not mine. Please supply information on how you have verified this item.
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
11. This is not mine. Please supply information on how you have verified this item.
XXXX Account Number : XXXX Please investigate and delete from my credit report.
12. This is not mine. Please supply information on how you have verified this item.
XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
13. This is not mine. Please supply information on how you have verified this item.
XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
14. This is not mine. Please supply information on how you have verified this item.
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report.
15. This is not mine. Please supply information on how you have verified this item.
09 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
16. This is not mine. Please supply information on how you have verified this item.
XXXX Account Number : XXXX Please investigate and delete from my credit report.
17. This is not mine. Please supply information on how you have verified this item.
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report.
18. This is not mine. Please supply information on how you have verified this item.
PORTFOLIO Account Number : XXXX Please investigate and delete from my credit report.
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| 06/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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More than several times this company has been toying with my credit reports and listing and delisting this collection account on my credit report i have complained several times to this agency about their illegal practices, at this juncture I will like this company to be reported to the FTC ( PORTFOLIO RECOVERY ASSOCIATES ) for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past they have then said they have already responded to me and now considered this matter closed, but again i check my XXXX credit report today XX/XX/2020 and see they have AGAIN resisted and placed this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 2 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency, and when i do respond they are basically telling my response will fall on deaf ears as they now consider the matter closed. I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted for the more than fifth time on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
|
| 02/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In late XXXX, I lost a parent after a long illness. This devasted me financially and I dealt with years of XXXX. During this time, unfortunately several of my credit card accounts fell into delinquency. It has taken nearly a decade to put myself and my finances back together.
At some point in XXXX, Portfolio Recovery Associates ( of XXXX. VA ) purchased old debt from my accounts that was charged off by the original creditors. Long after the statute of limitations on these debts had already passed and Portfolio could no longer take any legal action about them, they began to fraudulently misrepresent the debts and distort information about them in an ongoing effort to re-age them and destroy my credit, a practice illegal under the FCRA.
Their actions included : Misrepresenting themselves as various types of companies ( including factoring company, attorney, law firm ) when they are required by the FCRA to identify themselves as debt collector, debt buyer, or, in very specific conditions that did not apply to my old debts that they purchased, collection agency Misrepresenting information about the date on which the account in question would age off my credit report by : omitting information about the date of delinquency ; providing the ( irrelevant ) date on which they purchased the debt in an effort to misrepresent it as the date of delinquency ; fabricating the date completely ( as presently seen on my XXXX credit report : the date of delinquency was XXXX XXXX, but in XXXX of XXXX, they fraudulently misrepresented this date to XXXX as being XX/XX/XXXX ) Fraudulently posting the account in question as various types of accounts, including installment loans, other accounts, and payment plans Re-reporting the account in question after I have successfully disputed it with a credit reporting company ( XXXX, XXXX, XXXX ) with false information in order to make it appear like a different account from one that was successfully disputed and removed, multiple times with multiple reporting companies Fraudulently claiming there has been activity on the account as recently as XXXX XXXX so as to cause the account to impact my credit score and creditworthiness Portfolio has made it impossible for me to take any action on this the debt in question until it is off my credit report ( because if I take any action it may reset the clock on the debt ), yet they are interfering with the lawful removal of the account from my credit reports due to its age.
At this point their fraudulent manipulation of information on my credit report has impacted me professionally ( background checks for work ), I have been denied credit, and the presence of this item on my credit report makes it impossible for me to consider buying my first home.
The attached screen shot shows my XXXX credit file. Note the missing information. This is for an account that went into delinquency in XXXX XXXX. Portfolio is now presenting it as an installment plan that has just gone into 120 day status.
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| 03/26/2015 |
Yes |
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Web |
Servicemember |
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XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC.
They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information.
This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not.
I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat.
They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone.
Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission.
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices.
The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid.
This has also happened.
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
This complaint is to formally advise that PORTFOLIO RECOVERY ASSOCIATES , LLC has violated several of my consumer rights. Specifically, PORTFOLIO RECOVERY ASSOCIATES , LLC has failed to validate a debt at my request, which is a violation to the FDCPA 15 USC 1692g - Validation of debts. I requested this information on XX/XX/2022 ( XXXX XXXX # XXXX ) when I sent a validation request to PORTFOLIO RECOVERY ASSOCIATES , LLC. PORTFOLIO RECOVERY ASSOCIATES , LLC responded with a letter stating they are the new owners of the account. Also, according to the FCRA, PORTFOLIO RECOVERY ASSOCIATES , LLC has committed a violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences. That is only one violation according to the FCRA that is being committed, there are several. Another is 15 USC 1681 under ( a ) Accuracy and fairness of credit reporting. Not only is this account being reported without my permission, it also has incorrect information. For one, it says it's in collections but has a balance. These violations are damaging my reputation and have prevented me from three very good deals on investment vehicles. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any of these options to opt out nor were any of my options explained clearly to me. Not only has PORTFOLIO RECOVERY ASSOCIATES , LLC ignored my prior requests for validation of debt but PORTFOLIO RECOVERY ASSOCIATES , LLC continues to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should PORTFOLIO RECOVERY ASSOCIATES , LLC again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I would also like to seek damages from PORTFOLIO RECOVERY ASSOCIATES , LLC for these violations. Kind regards, XXXX XXXX
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
I am writing to report Portfolio Associates for harassment and making threatening statements.
On XXXX XXXX, XXXX, I received a call on my home phone but did not recognize the number. I called back and found it was Portfolio Associates calling about a debt which is more than 12 years old. The debt was disputed but never resolved and since has been expunged from my credit history. I explained to the representative ( I believe her name was XXXX ) I was not going to pay the debt and instructed her to place a " do not call '' on my account. XXXX stated she would do that. Since that time, I have continued to receive several calls a week. Many of them placed twice on the same day. I have a record in my caller ID log.
On XXXX XXXX, XXXX, I sent a registered letter to XXXX XXXX, Human Resources Director. I told XXXX XXXX I did not want any further communication from Portfolio Associates ( mail or telephone ). The letter was delivered on XXXX/XXXX/XXXX. I have delivery verification.
After the letter was received, several more calls have been placed to me. What they are doing is phoning under an ID which does not specify Portfolio Recovery. I do not answer the phone then call them back and it is Recovery Portfolio. On XXXX XXXX, XXXX, at XXXX XXXX the ID listed XXXX XXXX XXXX at XXXX XXXX XXXX. I spoke to a representative. I told her I was not to receive any more calls and she tried to argue with me but I hung up. On XXXX XXXX, XXXX at XXXX XXXX the ID listed the caller as XXXX at XXXX XXXX XXXX. I called back and could not understand the representative 's name. I told her I have written a letter stating I am not to be contacted in any way, shape or form. The representative looked up my account and stated there were not any notes on it saying to not call me. I explained I do not owe the debt and the representative asked if I had paid the debt with XXXX XXXX to which I replied it was irrelevant. I told the representative I filed a complaint with the FCC and what they are doing is considered harassment. She stated she would send a notice to the dispute department.
On XXXX XXXX, XXXX, I received a call from XXXX, XXXX at XXXX XXXX : XXXX XXXX XXXX. The representative identified himself as being from Portfolio Recovery. He stated he is trying to collect an old debt and read a disclaimer stating I can be sued in court. I told him this is the 4th time I have stated I do not want any calls. Further I explained I sent a registered letter which was received. The representative stated it is not in the system. This is precisely what the representative on XXXX XXXX stated. The letter was written on XXXX/XXXX/XXXX and received on XXXX/XXXX/XXXX.
I wish to file a formal complaint against Portfolio Recovery for harassment and threatening to sue me for a disputed debt more than 12 years old which I do not owe. I am unfamiliar with this process and would appreciate notice of how I am to proceed.
Thank you for your time with this.
XXXX XXXX
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I received my first statement from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at XXXX XXXX in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from XXXX XXXX at my address after these last two purchases were made and now i know why. Portfolio Recovery sent me a copy of an XXXX XXXX statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ).
2. From Portfolio Recovery, i also received a copy of a letter dated XX/XX/XXXX stating that XXXX XXXX had sold the account to Portfolio Recovery. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either.
3. Portfolio Recovery must have researched as i received their first statement dated XX/XX/XXXX to my correct address.
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with Portfolio Recovery regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX.
After researching my past bank statements and resolving the fact that I do have two XXXX XXXX Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at XXXX XXXX in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from XXXX XXXX and not having received any collection letters from XXXX XXXX, I was unaware that these two purchases were left unpaid. After receiving two Portfolio Recovery statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to Portfolio Recovery in anticipation of resolving this matter quickly. As I never received any XXXX XXXX statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ).
I contacted the XXXX XXXX XXXX XXXX in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if Portfolio Recovery had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally 32 pages of positive credit reports and the one from Portfolio Recovery ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable.
Respectfully, XXXX XXXX
|
| 06/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX XXXX XXXX XXXX XXXX XXXX defines Verify as, 1 ) & quot ; To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. & quot ; 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. & quot ; and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this XXXX 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.
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating they had purchased debt owed by me to XXXX XXXX XXXX. According to their records the debt was purchased on XX/XX/XXXX. I did not immediately respond believing the account had been settled. On XX/XX/XXXX I spoke with a XXXX XXXX and stated I believed this was a mistake and disputed it verbally. She advised me to log into the collection account and dispute the validity of the debt and I did as instructed. I received a follow up call from a XXXX XXXX (? ) and I informed her I had filed a dispute with them online. She told me she would update my file and I have not been contacted by phone since. In XXXX of XXXX I received a letter telling me my dispute had been rejected and I owed on the account.
I then contacted XXXX XXXX XXXX who had handled my debt resolution between the dates of XX/XX/XXXX through XX/XX/XXXX. I was provided a copy of a cancelled check as proof of payment which I then provided to PRA and disputed the debt again.Once again my dispute was rejected. Aggravated, I chose to do nothing further until after the holidays.Due to a series of life and health event, I did not start to address this issue again until XXXX of XXXX.
On XX/XX/XXXX, I again disputed the account and provided a copy of a settlement agreement provided by XXXX and a copy of funds dispersement ledger. I did not provide a second copy of the cancelled check since they were already provided one. XXXX XXXX I received a letter informing me, yet again, my dispute had once again been rejected. I was provided a copy of a letter that was supposedly from XXXX XXXX validating the debt. I question the validity of this letter for several reasons. First, it is absent of any form of letter head that anyone would expect from financial institution the size of XXXX XXXX.Two, how or why would they provide a letter of validity with an incorrect account number? How were they able to verify anything without making the correction to the incorrect account number PRA provided? Finally, the page layout, font and QR codes in the upper corners of the document give me reason to question its validity.
I have also filed disputes with the 3 credit bureaus in XXXX of XXXX and again in XX/XX/XXXX. They have done nothing other than update the information provided to them from PRA.
All that being said, there is a simple explanation to the problem but PRA nor the credit bureaus have done their due diligence. As a matter of public record, XXXX parted ways with XXXX XXXX and was replaced by XXXX XXXX. XXXX XXXX then acquired XXXX existing credit cards receivables portfolio which included current and delinquent accounts. When XXXX negotiated my XXXX settlement, funds were dispersed to XXXX XXXX at the agreed upon dollar amount and deposited/cleared on XX/XX/XXXX. XXXX sold this account on XX/XX/XXXX, nine days after it was settled with XXXX XXXX. I can not owe both.I am stuck in the middle.
|
| 01/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom it may concern : I have received the response from my CFPB complaint regarding not receiving documents from you. I still dispute the fact of receiving anything from Portfolio Recovery Associates ( PRA ) in XX/XX/XXXX. However, I was able to do some research based on your response to CFPB.
We ( Myself and PRA ) were in communication regarding the XXXX XXXX account back in XX/XX/XXXX. In fact, once I was able to research my notes and email, I see several concerns as I did in XXXX. First off, back in XXXX, I altered you this account balance was possible fraud. I had requested payment history, account history and summaries, along with any detailed transaction history that may be obtained.
Please note, as I stated in XXXX and now, I had fraud on another store card back in XX/XX/XXXX-XX/XX/XXXX. This fraud was on my XXXX XXXX card. I believed then and now that my XXXX XXXX balance may too reflect fraudulent charges. XXXX/ XXXX was able to obtain my purchase history and upon investigation, they determined the fraud charges.
When XXXX XXXX first contacted me, I informed them of my then current situation with XXXX and requested the same documents I request now. In fact, at XXXX XXXX, I spoke with XXXX XXXX ( XXXX, ext. XXXX ) back in XXXX per my notes.
No documents were sent upon my multiple requests. My account was sold/ moved to XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. I made the same requests and that company stated they were pushing it back to XXXX XXXX.
Per my notes, I spoke with XXXX at PRA on XX/XX/XXXX. XXXX said the at the time that the account records have not hit her system yet. She stated it would take a week or so at that time, but she would call me once they records were obtained.
She also gave me the contact for XXXX XX/XX/XXXX ( XXXX ) and stated I could get some information from there as well. I was contacted in XX/XX/XXXX from PRA. Again I asked for documents of the account. I was told to dispute the account PRA by emailing XXXX. I sent an email on XX/XX/XXXX with the dispute.
XX/XX/XXXX I received an alarm from my credit card company stating a change on my report. PRA has marked me as delinquent account. I submitted a complaint to CFPB.
I have been more than patient and tried to contact research this account with XXXX XXXX and PRA several times in the past, as you can see above. I again, plead to have a copy of the account payment history, and any transactions that are archived. This is unfair to post to my credit report as I have stated this account has fraudulent charges/ balance on the account on numerous occasions.
This is causing my severe mental destress and increasing the number of XXXX XXXX I am being treated that are being medically treated. I have done everything in my power to request documents from XXXX XXXX and PRA.
Please send me the information requested so I am dispute the fraudulent charges. Please contact me by email ( XXXX ) or by my address on file.
Thank you, XXXX
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Portfolio Recovery Associates, LLC Corporate Services Company XXXX XXXX XXXX, XXXX XXXX, LA XXXX To : The Office of Registered Agent for Portfolio Recovery Associates, LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX
|
| 10/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I called Portfolio Recovery Associates on XX/XX/2018 in an attempt to make the final payment of a three part installment debt settlement agreement. I agreed to pay approximately {$1800.00}. The final payment was supposed to be {$600.00}.
I called this debt collector five times. Four of the first 5 times, they hung up the phone on me, after I provided my social security number, but declined to provide my name.
I declined to provide my name to the debt collection agency, because I could not think of any justification for requiring my name, if I have provided my social and they are looking at all my profile information which include my name on their screen. I was collecting from a recognized phone number. They are a debt collection agency, any information they obtain would be used for that purpose and I was not interested in providing anymore information to them than absolutely necessary.
The first 4 debt collectors refused to take my payment and hung up the phone on me, angry, frustrated and annoyed that I had refused to confirm my name. Apparently, they missed the irony of being on the receiving end of an unwelcome phone call regarding a debt -- in this case, a debt for which they bore zero responsibility.
This complaint regards statements made or not made by the 4th debt collector. I asked her on several occasions, " Are you a debt collection agency? ". On every occasion, she refused to affirm that she was a debt collection agency and refused to say that any information obtained would be used for that purpose. She insisted on answering simply, " We are Portfolio Recovery. We handle personal business matters. '' She repeated this over and over again.
I find the statement this company has seemingly trained their employees to utilize ( " We handle personal business matters. " ), when juxtaposed with what collectors are required to say ( " this is an attempt to collect a debt '' ) and disclose, to be deeply misleading.
I feel this organization has violated federal law, the FDCPA, in seemingly training their representatives to say, " We handle personal business matters '', specifically when asked, " Are you a debt collection agency? ". I further feel Portfolio Recovery Associates is a threat to consumer rights and protections and it is within the purview of the CFPB to conduct a full investigation, to compel them to follow federal consumer law and punish them as necessary.
I pray you will investigate this matter promptly.
It should be noted that the fifth agent was an extremely polite woman who did not try to compel me to do anything, but simply took my social security number, confirmed my information on her screen, confirm the payment history and call history with me and collected the payment from me. She exhibited great humility, poise and emotional intelligence, attributes which I found completely lacking in all other agents. That is a credit to the 5th agent and a disgrace to their entire organization.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To Whom It May Concern : I have disputed a delinquent charge that was originally XXXX XXXX, then XXXX Bank d/b/a as XXXX XXXX Credit. I had established an online line of credit in XXXX with Bill Me Later, which later became XXXX XXXX Credit. The line of credit was not a credit card account. I never have a credit card for either bank. From XXXX to XXXX I utilized the line of credit for several purchases that were mostly interest-free as long as the balances were paid in full within usually six months from the date of purchase. When I made the last payment of {$3.00} to XXXX XXXX Credit on XX/XX/XXXX, I considered it the last payment to close out the account. I did not understand what the {$3.00} represented because I had not, nor would I have charged such a minuscule amount.
During this same period of time, I also used XXXX XXXX as a transfer agent to shield my online cash purchases that were paid from my XXXX XXXX personal account. This did not involve any credit extensions to me, because they were all cash payments taken from my bank account. I never had a problem with the payment being paid to the merchants ever.
However, on XX/XX/XXXX, XXXX I was notified by XXXX XXXX Credit that effective on XX/XX/XXXX, that the lender of my XXXX XXXX Credit account would become XXXX XXXX. I did not see this as affecting me because I had sufficiently paid my XXXX XXXX Credit account in full on XX/XX/XXXX, as I stated above.
That notwithstanding, XXXX/XXXX XXXX somehow usurped my online cash XXXX XXXX transfer agency account and charged my closed XXXX XXXX Credit account in XX/XX/XXXX for XXXX separate XXXX rides totaling {$37.00}. See below as appears on a consolidated statement from XXXX XXXX Credit : XX/XX/XXXX - {$1.00} paid from my bank account, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$6.00} XXXX Ride, XX/XX/XXXX - {$5.00} XXXX pending, XX/XX/XXXX - {$9.00} XXXX pending.
The XXXX charges were to be paid through the XXXX XXXX transfer facility that is linked to my XXXX XXXX Bank account. Rather, XXXX XXXX assumed the ownership of XXXX XXXX and proceeded to obscure the two accounts, then adding interest to claim {$190.00}. This amount should have been taken out of my XXXX XXXX Bank Account. It was not a charge by me because I had closed my line of credit with Pay XXXX XXXX. Upon taking ownership of XXXX XXXX, XXXX XXXX confounded 6 XXXX charges of {$37.00}, parlayed it into {$190.00}, then sold that amount to a debt buyer, Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC has reported this to credit reporting agencies, which is negatively impacting my credit report. I always pay my obligations on time. This was accounting trickery by XXXX XXXX to garner more profits.
I believe this was a deliberately fraudulent act because my XXXX XXXX Bank account was always funded. If there is more documentation necessary, I will be pleased to provide it.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record.
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all.
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me.
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me.
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXXXXXX XXXX XXXX, NY XXXX '' * " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online.
* XXXX XXXX : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online.
XXXX Portfolio RC : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet Portfolio RC persists in reporting the collection stemming from it.
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over 21.5 million stolen identities, as discussed.
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
|
| 03/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
To whom it may concern : I recently find out the account of PRA reflecting on all my credit reports hurting my credit score. I have never signed any agreement with PRA regarding the present accounts for XXXX XXXX and XXXX XXXX. Both accounts are old accounts.
I have tried to resolve both accounts by making an offer to PRA and explained my present circumstances by providing hardship documents ( Unemployment ) The first attempt, I have sent a letter a letter on XX/XX/XXXX making an offer of what I can afford ( 1st offered a 30 % ) ( {$910.00} XXXX XXXX and XXXX {$990.00} ) to settle both accounts ( without certify mail ) but felt was totally ignored by when receiving several bills over the mail from XX/XX/XXXX to XX/XX/XXXX in response.
A second letter was sent on XX/XX/XXXX via certified mail along with the hardship documents to attempt to resolve both accounts. ( {$1000.00} for XXXX XXXX and XXXX {$1100.00} ) They responded to me with a letter dated on XX/XX/XXXX requesting " hardship documents '' and provided a " Permanent Hardship Request Form '' to fill out and within " 30 days ''. Along with only one bill with full balance ( XXXX XXXX ) and ignoring XXXX XXXX account. I got this letter around XX/XX/XXXX via mail. I have also provided previously hardship documents.
Within few days I received another letter ( dated XX/XX/XXXX ) but received just yesterday ( XX/XX/XXXX ) stating " The letter confirms your arrangement made on XX/XX/XXXX with XXXX XXXX to settle the account '' for XXXX XXXX account only.
But on the mid letter section stating : " ** The Sum of Remaining Payments under Payment Plan assumes all payments are made as agreed to under the plan**, '' Under : Sum of Remaining Payments under Payment Plan : {$1100.00} for XXXX XXXX XXXX Previously offered {$1000.00} on second letter offer ) This is very confusing to me.
Is this a payment plan or settlement? I am not looking for payment plan. I am looking to SETTLE this account, close it and delete from all my credit reports.
Please note : I have never spoke over the phone or mail or interact with name XXXX XXXX to settle both accounts. I have checked all bills received and none of this letters reflect XXXX XXXX. I have never made any phone calls to PRA. I only wrote the enclosed letters. Please see the enclosed documents for your review as proof.
Legally, I am exempt due to unemployment. This is my third month of unemployment. Please see the hardship copy enclosed as well. I don't feel well and I cant sleep.
Also, I have find out by doing a lot of research that PRA buy old or expired accounts cents by the dollar.
I am giving an opportunity to resolve both accounts. Before considering if filing Bankruptcy will be best option of relief as I have other multiple debts, in additon that I have lost my car and endiing with another bill.
Many Thanks for your consideration and assistance in this matter.
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
|
| 02/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023 I contacted Portfolio Recovery Associates LLC Via-mail and requested the following in which they responded with just a few copies of the last billing statements that didn't add up to the Balance amount owed and copy of XXXX XXXX XXXX contract agreement with no signatures written or digital indicated on contract agreement, and a copy of the same bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent.
GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses, Defendant denies.
each and every allegation of Debt Collectors original debt claims, and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety.
XXXX.
AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset.
3. contract is illegal, and therefore, unenforceable 4. Duress in Contract I therefore I demand that the debt collector provide me with the following Documents below for complete validation of the said debt : 1. Provide Name and address of original creditor along with verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Please provide a copy of the written agreement that created my original requirement to pay.
2. A copy of the all-billing statements sent to me by the original creditor since the beginning of the credit card contract agreement.
3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing all the dates and amount of each charge added to the total amount that created the full balance amount claimed due. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
4. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
5. Identify the date of the first and last payment made on this account.
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| 11/09/2017 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This is the third time i am trying to get a response as to who called me ... they represented themselves as XXXX, mediatator for them. XXXX said they sold this debt to XXXX XXXX. Then under XXXX request I ask for this to be investigated. They said you did not provide a phone number. so this case was closed. So here is entire first complaint with phone number so this can be investigated. : : : : : :received a call from a friend today stating that XXXX XXXX her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that XXXX were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to Portfolio rec assoc about a XXXX # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks.
please call the phone number and find out who called me. as also per first complaint I attached a copy of correspondence sent to XXXX years ago asking for verification of debt which protfolio never responded to this.
I understand that the debt goes on forever, but they misrepresented themselves as not portfolio assoc / but as a company that represented XXXX as a mitigation firm and would be sending lawsuit papers on monday. They called relatives and a friend.this is illegal as they can not reage a debt and try and collect in this manner. They never sent any papers. I want XXXX dollars because this is illegal. I want you to find out whose number that I called which stated all those things to me. They refused to give me any information just to expect papers that monday. the XXXX is again XXXX and was told to give them a number -- XXXX .... Please handle this appropriately as this is third time for same complaint ...
XXXX XXXX
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| 12/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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Got debt collection notice in mail today from Portfolio Recovery Associates of XXXX VA. Notice was in Spanish.
Called XXXX XXXX XXXX at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days.
Filed a complaint against Portfolio Recovery Associates with the State Attorney Generals office.
Called XXXX to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did Portfolio Recovery Associates tie me to this debt, if a real debt it is. Did PRA invent the debt?
Contacted my lawyer XXXX XXXX in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which Portfolio Recovery Associate received.
On XX/XX/2018, Portfolio Recovery Associates sent me another notice also in Spanish.
On XX/XX/2018Portfolio Recovery Associates responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt.
Portfolio Recovery Associates never responded to the fact that the debt was incurred via a XXXX credit card, which I do not have and, moreover, XXXX has no record of me owning one. XXXX checked its records via my name and social security number.
Will send another certified letter demanding payment history, one from XXXX itself. ( Haven't sent as of XX/XX/2018 ).
Portfolio Recovery Associates has not provided anything beyond what it said appeared in the Sellers records.
Called Portfolio Associates at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted Portfolio Associates.
On XX/XX/2018 Portfolio Recovery Associates send copy of billing statement from a XXXX in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to XXXX Credit Cards. I thought the debt was incurred via a XXXX credit card. I also got the address of the person or persons who made the purchase. Portfolio Recovery Associates never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from Portfolio Recovery Associates a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers.
I just called my lawyer 's office.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates , LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates , LLC the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates , LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates , LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Portfolio Recovery Associates , LLC Follow up to your response dated XX/XX/XXXX I never open an account with XXXX, therefore I dont own any debt, to XXXX XXXX XXXX or to you Portfolio Recovery Associates , LLC XXXX On your response dated XX/XX/XXXX You Claim Because we purchased the account and contract XXXX XXXX XXXX had with XXXX Why have you not produce an Original contract copy with signature, that you claim you have Via Consumer Financial Protection Bureau on timely manner.
Once again I never had any business relation with XXXX or XXXX.
I have nothing to do with your office as well.
There is not validation of account, ending in XXXX, with your office and you are nobody to validate an account for the reason that records of account ending in XXXX not mines.
In return your office continues molesting me and affecting me by all means possible Send me a cancellation letter for account ending in XXXX at the receipt of this notice and send me the cancellation letter via Consumer Financial Protection Bureau Im forced me to file a Police Report Copy of your response dated XX/XX/XXXX XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, reviewed our records, verified the PRA account ending in XXXX, and confirmed that we provided you with validation which resolved your dispute. PRA is a " Debt Buyer '' ; PRA purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX ( XXXX ) reflect that on or about XX/XX/XXXX, XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract to pay for the use of the account was formed when XXXX offered the credit card and the credit card account was used. A balance of {$9900.00} was due on the account when we purchased that account and its contract from XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. PRA sent its initial notification letter regarding this account to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. Because we purchased the account and contract XXXX XXXX XXXX had with XXXX to pay the balance due, no other contract or signed document bearing my signature between XXXX XXXX XXXX and PRA is required to validate the account. We have no record of a request or a dispute being received in relation to our initial notification letter. We subsequently received and investigated several disputes regarding the account. In response to the disputes, PRA sent you letters containing validating documentation from the original account. We believe that the validation provided resolved the disputes and that no further steps in response to your complaint or follow-up actions are required at this time
|
| 12/21/2022 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I asked Porfolio Recovery not to contact me during my working hours of XXXX to XXXX. They continued to blow op my phone with calls. Then I told them not to call at all. They still continue to call, and its repeated call after call back to back. This is Creditor Harassment and I cant get them to stop calling. I have screenshots of the calls, I will try to copy and paste to this claim. If it doesnt work I will need an email address to forward them too Recents XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIORECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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My name is XXXX XXXX. Today I received a notification on my credit report that Portfolio Recovery Associates reported an account I have no knowledge of. ( XXXX XXXX ) for {$1600.00}. I previously had problems with this company where they previously reported an account that was inaccurate and lacking documentation. Without verifying the debt, portfolio tried to collect payments by pressuring me with false statements and ridiculous claims of a lawsuit using robo-signed court documents. They closed that account after I clearly proved to them that the account did not belong to me and filed a complaint with the CFPB AND XXXX. Please refer to CFPB COMPLAINT # XXXX ... Portfolio sent me a letter dated XX/XX/XXXX stating that the tradeline was closed and removed from all credit reports.. Now they're stating that there is a another new account with a new account number. The previous account that was closed ended in account number XXXX. I called them today and spoke with two different representatives on a recorded line.. they both stated to me that the complaint that I had made previously was regarding another account and that they just purchased this new debt in XXXX?? .. I stated to them that I sent them a letter regarding the false new account and they need to use the documentation that included my FTC affidavit notarized and signed with my police report as I was a victim of identity theft and the girls stated to me that the debt buyer just bought this new account for pennies on the dollar in XXXX and their job is to collect on it aggressively. Portfolio Recovery Associates knows this information is inaccurate and can not be legally enforced based on disclaimers, past practices of debt sellers, or my consumer dispute. They have all my supporting documentation on file!! This is a violation of Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act. Portfolio Recovery Associates needs to close and delete this tradeline off of my credit report. This is also a violation of the fcra 605b identity theft law. Should they not remove this tradeline I will pursue with a lawsuit. I have supporting documents where that supports my dispute and they have yet to prove to me that this account is mine. I will also take this to the media should not this not be resolved because I am exhausted calling them trying to get this account resolved closed and deleted!!! I also sent them a cease-and-desist request to discontinue the phone calls and the letters that they are continuously sending to me and calling my place of employment and they have went against the law of the cease and desist which both representative stated that they do have on file and completely ignored it. My information is listed below : this has gone way too far that they're allowed to continuously break the laws like this..
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX DOB : XX/XX/XXXX SSN : XXXX
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| 05/17/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
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Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$840.00} for a charged off XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper left side of their correspondence to me, dated XXXX XXXX, XXXX. PRA has never extended credit to me.
On XXXX XXXX, XXXX I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, XXXX, again stating they purchased the account, the balance was {$840.00} and that the seller, XXXX XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate.
On XXXX XXXX, XXXX I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond.
After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX XXXX reported on my personal credit reports is {$770.00}, {$66.00} less then PRA is trying to collect. I followed up with a letter to PRA, dated XXXX XXXX, XXXX, informing them of the discrepancy including copies of the original account from my credit reports. They responded with a letter and XXXX random XXXX XXXX credit card statements. The most recent of the XXXX had a balance of {$660.00}. Their letter simply states they had reviewed the attached documents related to this account, which establish its validity. What? They completely ignored the balance discrepancy. XXXX XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell.
Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer.
PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt.
There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 07/18/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly. Portfolio Recovery refuses to VALIDATE this account completely. I received all documentation required validating this debt as legally requested. The right of subjugation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number . Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged accoun t ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agenc ies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation ' ' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request f or VALIDATION. Provi de me proof I have a signed contract with your company. Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will go to the State Attorney General if this is not resolved.
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA.
I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX The XXXX XXXX XXXX.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine.
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law.
The first challenges went out on XXXX XXXX to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and Portfolio Recovery for {$680.00}.
I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report.
They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires.
The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires.
The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XXXX 2018.
Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.
I too requested Validation they have yet to prove it.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 05/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XX/XX/XXXX I pulled a copy of my credit report because I was robb ed by gunpoint.. w hen I pull the copy of my credit report I noticed there was this company ca ll profolio recovery I co ntacted them on numerous occasions to try to get information about this debt that they were reporting was unsuccessful they would not say me any information and stopped responding to any of my letters ; so at that moment I contacted all XXXX credit bureaus to see if I can get them to work in my behalf ; since I was on successful with trying to reach out to this profolio recovery in writing and phone calls. I submitted a dispute letter never gotten a response from either ( credit bureaus or profolio recovery ). So in XX/XX/XXXX I went through the process of trying to purchase a home and was informed of this company being displayed on my credit report once again after reaching out to this company many times.. I reached out to the XXXX credit bureaus as well as this company profolio recovery as well was still unsuccessful of getting a response in each of the credit bureaus dating is under investigation, no response after the investigation was over.. but it was still placed on my credit! XX/XX/XXXX I contacted the XXXX credit bureaus again because once again I was unsuccessful with getting a response from this company so I submitted a certified letter to all XXXX credit bureaus explaining once again that I was robbed by gunpoint with my identity, Social Security card and birth certificate and my car.. a sked that they submit to me a written contract with my signature that I requested this credit card but they 're verification was only that the credit card existed.. proof of documentation of the police report also the itemized statement of the things that I was robbed ou t of.. bu t even after I submitted the documentation was harassed repeatedly from this company about paying off a debt that I did not commit to that I was not even aware of and they still refuse to give me any written document of my signature that this credit card was mine, so in turn I reported them to the Attorney General 's office in the state of Louisiana it was informed that they are not licensed in the state of Louisiana to collect on a debt.. but this compan y profolio recovery continuously harassed me by phone and also continuously reporting negative items on my credit report without submitting to me any written contract.. I have reached out to this company on many occasions and still can not get a response.. I 've also contacted all XXXX credit bureaus XXXX XXXX and XXXX it still was unsuccessful of getting a debt removed so I found it was in my best interest to make an additional report that was also advised to me by Louisiana Attorney General 's office.. I would like this debt removed off of my credit report because this debt is not mine thank you and have a blessed day
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| 09/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX I begin receiving notices that an account of mine had been sent to a debt collection company. I learned it spawned from a XXXX account I had reported to have had fraudulent activity back in XXXX. After reporting the fraud in XXXX, I thought that particular account was closed, being that I had a new XXXX account issued to me back then and have used it with no problem for years. I do not think XXXX would have allowed me to open and use a new account if I somehow owed them on a previous account. But the debt collection company Portfolio Recovery began and continued to pursue me for the debt they claim they bought from XXXX. I contacted XXXX they had no record of that account anymore but the customer service rep did not inform me if that was due to it being closed because of fraud or if they had sold it as a debt to this company. I filed several affidavits to Portfolio Recovery explaining the debt spawned from an account I reported to have fraudulent activity on and each time the affidavits were ignored. I even listed who was responsible for the fraud, which is an individual who has prior arrested for credit card fraud and identity theft charges. Portfolio Recovery continued to pursue me and I received a court summons. At the court date, I went before a judge and a representative from Portfolio Recovery and explained the situation. By this time 5 years had gone by and my credit score had been destroyed over this situation. In order to make it go away, so my credit score would improve I agreed to be put on a payment plan in return the debt would be wiped off my credit history apon completion of payments. They agreed. I was contacted by Portfolio Recovery the following day and given instructions for how to pay. The next month I went to create an account to begin making payments and in order to do that, needed information I did not have, like my account number Portfolio Recovery was suppose to give me. I attempted to contact Portfolio Recovery and left messages and sent emails never getting a response. I contacted the clerk of court in the county our court case had been in and explained the situation. She said she couldn't be of assistance but explained to me this was a tactic this company uses to in order to be able to garnish your wages later down the road instead of wait out the years of payments. I continued to contact Portfolio Recovery and received a message back that now in order to make payments I had to do it through an attorneys office. I contacted the attorneys office that represented Portfolio Recovery, received an automatic message on a voicemail about needing my parties extention number or my account number to make payments. I don't have any account number, thats the whole reason I couldn't login to start in the first place. A year goes by and I have had no communication, no notice of any further court dates, I've heard nothing from them.
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| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I noticed that I had a collection from XXXXXXXX XXXX XXXX XXXXXXXX ( account # XXXX ) on all my credit reports in XX/XX/XXXX. I sent letters to XXXX ( which had Portfolio Recovery Associates ( PRA ) address ) and the 3 major credit reporting agencies for debt validation of the account. I mailed my first letter to PRA on XX/XX/XXXX, and mailed a letter to XXXX, XXXX, and XXXX on XX/XX/XXXX. I received a letter from PRA with XXXX XXXX statements, but my credit reports show the account was XXXX and just opened my first XXXX XXXX charge account in XXXX which has never been late. I sent another letter to the credit reporting agencies and PRA that was notarized that the data wasn't correct and to revalidate it. All the credit reporting agencies came back as validated and PRA responded with a letter dated XX/XX/XXXX that the dispute alleges no new facts, so they will not respond to my request.
XXXX shows PRA as the original creditor, but XXXX and XXXX show XXXX as the original creditor and XXXX is also listing XXXX as a Factoring company which PRA is not and now PRA is showing a payment history of Failed to Pay ever month since I sent the first debt validation.
XXXX is shown as the original creditor on 2 of the 3 credit reporting agencies and after calling XXXX on XX/XX/XXXX, they had no knowledge why PRA is using their name since they said that PRA no authority to report as XXXX.
Portfolio Recovery is knowingly reporting false information to the credit reporting agencies, which is damaging my credit rating.
Here are the issues with my credit reports : PRA is false representation themselves as XXXX without authority from XXXX PRA is listing as a Factoring Company when they are legally a Debt Buyer PRA is now showing a payment history in retaliation to my debt validation in XX/XX/XXXX PRA is listing One Month Terms and I have no terms and/or agreement with then PRA set the Delinquency First Reported to a date after they received the debt to re-age the account PRA and the credit reporting agencies failed to comply with its obligations to investigate and remove incorrect information.
After getting legal advice about the issues above, I was informed that the credit reporting agencies and PRA are in violation of the following FCRA & FDCPA violations : 15 U.S. Code 1692e ( 8 ), 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 14 ) & 15 U.S. Code 1692f : ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
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| 02/28/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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Portfolio Recovery Associates, LLC ( " '' PRA '' '' ) Company Address : XXXX XXXX XXXX.
XXXX, VA XXXX XXXX XXXX. to XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX- XXXX XXXX ( ET ) XXXX Alleged debt amount : {$1000.00} Alleged debt amount : {$1200.00} Alleged debt amount : {$2500.00} To whom it may concern, I would like to bring to your attention the violations committed by the company, Portfolio Recovery Associates , against me and my credit report. I have no signed contractual agreement with this company, yet they have fraudulently posted 3 alleged debt balances on my credit reports, which include but not limited to the credit bureaus XXXX, XXXX, and XXXX. I have repeatedly asked them to properly validate the debts, which include : 1 ) An original signed contract with blue ink 2 ) An IP address attached to my digital signature/email address 3 ) A video surveillance of my person enrolling in the account Portfolio Recovery Associates have refused to provide me any of the above and remove this false information from my credit reports ; instead, theyve sent me a bunch of spreadsheets and mostly blank pages with very little data on them. No signature or contracts!
I have repeatedly told them that I am a Social Security XXXX recipient, and I believe they are trying to garnish my SSDI ( XXXX income ). Ive sent them a letter from my primary doctor confirming my medical condition, as well as an award letter from the Social Security Administration. Ive researched their company and found out that they have a history of fraudulent behavior violating the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act and being out of compliance, including using illegal tactics against unwary consumers.
You can find in the link below, a news article where Portfolio Recovery Associates agreed to a {$4.00} XXXX dollar settlement with Mass. Attorney General for deceptive and unfair practices https : XXXX This major national debt buyer systematically and repeatedly broke our laws, lied to vulnerable consumers with exempt income, and collected debts they couldnt even prove were owed, Massachusetts Attorney General XXXX XXXX said .
Below is another article highlighting their deceptive practices : CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debt Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/ Its obvious Portfolio Recovery Associates have not learned their lesson and continue to engage in illegal activity. Because of this, they have forced me to take further action! I have included documents with this submission.
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| 08/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
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Web |
Servicemember |
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For two years, Portfolio Recovery Associates has attempted to collect a debt for an account that we believe to contain inaccuracies. In those phone calls made to us, our attempts to clarify info made the the representatives become more and more aggressive. The caller in some cases would scream, " So, are you refusing to pay this debt!! '' repeatedly. I feel that that was an attempt to trap us into making some verbal agreement or binding statement. After several calls like this and their references to taking legal action, my husband and I considered getting the matter behind us by agreeing to settle the account, but every call since then has stalled because of Portfolio Recovery 's refusal to send a written agreement.
Their position was that payment was necessary before their representatives had the ability to print out, e-mail or request any kind of written request. Often, the collectors ' demeanor degraded from that point when we insisted on a written agreement before making a payment. We believe this collector had no intention of following through with discharging the debt as paid. I believe their intention was to restart the statute of limitation on this debt and/or sell the debt to another collector after recovering a certain amount. We believe these practices to be unfair and deceptive.
It 's been two years and Portfolio Recovery has yet to file a law suit against us, which leads me to believe that our account had not been sent to a litigation department.
I called one last time on XXXX XXXX, 2016 to confirm their position in regards to refusing to make a written agreement before receiving payment and to clarify account info. The call was recorded and is uploaded with this complaint. The call reflects their refusal to make a written agreement without receiving some kind of payment first. Additionally, I made attempts to clarify info about the debt and its validity, but the representative asked whether I was in fact asking for a " validation letter ''. As a layman to these matters, her reaction to that request gave me the impression that asking for a validation letter somehow had derogatory consequences for me or would cause a sequence of events that perhaps would force Portfolio Recovery to escalate their actions in this matter. So, I declined that request. As I understand, one has a right to their collection information, but because of their fear tactics, I hesitated asking for more info. Again, we believe these to be unfair and deceptive practices.
I later spoke with a gentlemen that offered to email or send a " courtesy letter '' about our account. At the end of the call I reminded him that I would in fact like to receive that courtesy letter giving us information about this collection, but as of this date, we have not received anything via mail or email.
At this point, we feel that our only recourse is to contact an attorney.
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| 03/22/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either.
XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
Remove the debt from XXXX credit reports, show as paid.
Delete Charge Off Status.
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' PORTFOLIO RECOVERY is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' PORTFOLIO RECOVERY the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, PORTFOLIO RECOVERY whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
|
| 05/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus.
After reviewing my report, I noticed Portfolio Recovery Associates was reporting, negative and erroneous items to the credit bureaus. Portfolios actions have negatively impacted my personal credit report.
On XX/XX/2020 I sent a Validation letter to Portfolio Recovery Associates. ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to Portfolio Recovery Associates Tracking # XXXX ( Tracking Information Attached ) In mid-XXXX I received a response letter from Portfolio Recovery Associates In the Validation Letter that was sent to Portfolio Recovery Associates, I stated that this is 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. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing Portfolio Recovery Associates response letter, I noticed that Portfolio Recovery Associates didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws.
Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
So, I went to the Texas Secretary of State website and entered Portfolio Recovery Associates name and address. They have two addresses, one in Virginia and one in California, both name and address came up with No Records Found. ( Both screenshots are attached ).
I also went to XXXX XXXX XXXX website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that Portfolio Recovery Associates has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. In the CFPB complaint database Portfolio Recovery Associates has over 7,500 complaints against their company ( Screenshot attached ).
FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. We can clearly see that Portfolio Recovery Associates had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.
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| 06/05/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Response to Complaint ID : XXXX Again I have to make clear that Portfolio has not provided proper validation OR verification in their claim towards me. I dont know what definition of verification PRA is using regarding verification but XXXX XXXX XXXX defines verification as confirmation by oath or affirmation. That has not been produced yet. All the verification they keep flooding me with are a hearsay copy of a bill and a supposed bill of sale. There is no documentation as to how they arrived at the amount they claim gives them the right to access my information. This company has been in continued and willful violation of the law for false or misleading representations, 1692g of the Fair Debt Collection Practices Act for perpetually furnishing their derogatory information towards me without providing this documentary proof and basing their proof of a claim on generic hearsay papers.
Portfolio, in their response, says they purchased the contracts on these alleged accounts yet continue to fail to provide such contracts or demonstrate where I have signed them, again demonstrating their willingness to flaunt 1692g of the FDCPA and engage in false or misleading representations. If they have business records provided by alleged original creditors showing dates of these accounts being open and are using this to base the foundation of their claims to acquire a permissible purpose to access and report on my credit files, why do they continue to refuse to demonstrate these business records? Where are the affidavits verifying these business records? Otherwise all that is based on hearsay and as has been demonstrated in the CFPBs own consent order against PRA, PRA obtains their documentation in an AS IS basis off of XXXX spreadsheets, not a manner to prove a factual case on.
The 2004 US District Court for Arizona case, Boatley Vs. Diem makes clear that credit reporting is a form of debt collection and as PRA continues to report without demonstrating a provable basis for their claim on a level higher than hearsay, they must cease reporting and lose my personal information or provide all this information. Anything other than this step proves the lie in their statement that they take compliance with all federal laws seriously and demonstrates a willingness to engage in wire fraud AND mail fraud as well as a total disregard for 1692 of Title 15 of the US code, that deals with consumer protections from having their rights violated by third party actors. Their assertion in saying that we believe that the validation provided resolves the disputes is wrong. It is not their belief that facts and verification is based up. Its not important what PRA BELIEVES, but what they can verifiably PROVE. I expect to see the removal of these items and receive a statement from Portfolio confirming that they are deleting their record of my personal information.
|
| 03/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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My late sister XXXX temporarily resided with me from XXXX to XXXX.
She passed away in XXXX, XXXX.
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ).
On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number.
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX.
During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message.
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call.
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list.
No calls were received for the remainder of XXXX and all of XXXX.
Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address.
It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter.
So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues.
PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.
|
| 10/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hell and happy Saturday! I'm not sure what's going on but i noticed that this collection from PRA on behalf of XXXX XXXX is still reporting on my XXXX report. It was deleted and then re-appear without notification. I had called, email, fax and mailed out the letters! How is it possible that it still reports on my credit report whereas i haven't received any proper notification and none has responded to my investigation? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 06/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have reason to believe that PORTFOLIO RECOVERY is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$690.00} debt as well as an {$330.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of PORTFOLIO RECOVERY or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX.
Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified?
Per XXXX XXXXXXXX XXXX XXXXXXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Per the XXXX XXXX XXXX : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money.
Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes.
XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose XXXX XXXX ( XXXX ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter.
Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
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| 12/21/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX i settled in court to pay off 3 outstanding credit card balances with Portfolio Recovery Systems located at XXXX XXXX XXXX, XXXX Virginia XXXX. XXXX ; XXXX ; & XXXX. The agreement to pay at settlement was {$25.00} per account per month until it was paid ( attached ). I HAVE NEVER RECEIVED A BILLING STATEMENT FROM THIS ENTITIY. I have kept track of every payment made to this establishment on my own. I paid off XXXX & XXXX. When I got to the last payment of the docket in question XXXX, on XX/XX/2019, I wrote on the payment that I beleived it was my last payment and if it was not to let me know ( also attached ). Portfolio RETURNED my LAST payment back on XX/XX/XXXX Informing me it was unacceptable along with a note to say that I need to pay the unsettled balance of the debt immediately.
I WAS LITERALLY MAKING THE LAST PAYMENT ON THE settled DEBT FOR XXXX!! I have been paying this dept for 4 years religiously AND as consisently as I could without EVER receiving a billing statement!!
I then sent in what I believed to be the last payment a SECOND TIME with an Written explaination.
IT WAS RETURNED AGAIN because I flagged them that I beleived It was my last payment. Portfolio refused it a second time, and scruitized the account to find reason not to accept the last payment and close the account so they can file a judgement for the original unsettled balance.
In my explaination to Portfolio, I asked them to provide me with my payment information, a general billing statement in detail, which I havent received in the four years I have been paying them on any settled account.
THEY have not complied ( see attached ) The just returned my second payment threatening to imply a judgement on the full unsettled amount.
I have had ZERO issues with payment up until this point and I have settled two previous accounts with this collection agency before the one in question IN GOOD FAITH. I have also, almost entirely payed the docket in question in full.
This is shocking unethical behavior and a very slimey way to profit off someone who is struggling.
Now that Portfolio returned my last payment check..not once, but twice the last payment is still outstanding which could give Portfolio the opportunity issue a judgement which at this point is SO UNFAIR as I was down to my last payment!
I didn't pay four years of settled debt to get down to the LAST payment of the LAST debt settled in court and have this happen. People who dont pay deserve this treatment NOT PEOPLE WHO DO!
This is a horrible injustice and a desperate tactic for a collection agency to get paid. The owner is a lawyer and is manipulating the system for profit. Something he could be disbarred for.
Please assist me to clear this up. I would hate to have to take this to the bar association next. All supporting documentations are attached.
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| 08/17/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Re : PORTFOLIO RECOVERY ASSOCIATES and Multiple Disputed Accounts. To Whom it May Concern, I have disputed all of these accounts with Portfolio Recovery Associates in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, which you signed for, on XXXX and XX/XX/17. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Portfolio Recovery may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and XXXX XXXX, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX vXXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
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| 01/09/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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An unauthorized account was opened in my name, maybe close to six years ago. XXXX XXXX bank originally opened up said account, which was unauthorized and unknown to me.
However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus.
I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me.
However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank.
Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt.
How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer.
Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt.
My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings.
This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached!
This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.
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| 07/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hi, Portfolio Recovery Associates, XXXX Claims they have sent me letters for a debt I owned 2 years ago. I never received any communication for them informing me of this debt. No mail no phone call no nothing from them. A few days ago I received a notification from XXXX XXXX stating that my credit had dropped by 28 points due to Portfolio. Once I logged in I saw Portfolio and I got very confused cause I've never heard of this business before and neither have I ever spoken to them. I'm extremely upset about this because Portfolio didn't even notify me of this matter and I got attacked on credit score for it. I had to call myself to verify what the debt is about and what the debt is once my credit report got updated. I had to be the one to reach out to figure out what the report on my credit score was. One we figured out I settled the account and I paid it off and now it's all clear and settled but it's still showing on my credit report. It's a closed matter but for whatever reason they still didn't updated my credit.
I tried contacting the company all day and no response and no pick up. I left an email with all the info for the payment that has been made and hopefully I'll get to hear about it then but I doubt it cause this seems to be a pattern with portfolio not just with me but other clients who I have read negative reviews on different reporting sites. I want this payment and the closed matter updated on my credit score especially since they are totally messed up for not even notifying me of this debt.
I only found out about this debt in XX/XX/XXXX and it's XX/XX/XXXX now and It's already paid off and we settled it. I was on top of this and I need them to be on top of this also. I called last week to ask to speak to a manager and I asked him why I've never received communication about the debt weather its phone or mail and he couldn't ' even answer me as to why that happened and went to on to continue talking about totally something else disregarding whatever I had asked. I will be visiting legal options for this fraudulent activity. I do believe creditors need to notify you as soon as the debt is owned by them and I've never received such notification from Portfolio.
I want my credit report to be updated since I have paid the full amount we settled all at once and this account is now closed. The final payment has been made. Debt creditors usually buy debts for pennies for dollar and they still don't do things right now. I didn't even receive an apology for never notifying me and they couldn't give me an expiation as to why this happened. I reach a bunch of reviews online from different costumers experiencing the same issue.
THE BALANCE AS BEEN PAID OFF IN MY END AND I WANT THIS REMOVED FROM MY CREDIT ASAP. THIS DEBT IS PAID OFF. UPDATE MY CREDIT RIGHT AWAY THIS MATTER IS CLOSED AND SETTLED.
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| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account.
Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result.
Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ).
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well.
Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report..
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : Portfolio Recovery Associates : XXXX Original creditor : XXXX XXXXXXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, Portfolia Recovery, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ).
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
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| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi, to whom it may concern. Portfolio Recovery has caused my credit files and scores to be drastically damaged, reduced, and affected by placing a debt that I do not owe and that is not mine.
Account # XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Company : Portfolio Recovery Associates , LLC XXXX. XXXX po box XXXX XXXX, CA XXXX Account # Same as above.
Reference Number : XXXX XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX I have never until XXXX of XXXX had a XXXX XXXX Credit Card Account. I was sent an offer and I applied and received a card. However, I this company keeps trying to place this debt on me, as I have explained to them and XXXX XXXX, that this account isn't mine and I have never owned a XXXX XXXX XXXX untill recently XX/XX/XXXX, because I was sent a pre approval offer from XXXX XXXX to which I was approved.
Back in XXXX I lost my wallet and it was never returned to me. I have explained to Portfolio Recovery that I may have been a victim of identity theft, and that may be why there's an account with XXXX XXXX. Whoever did this, had all of my personal information from my wallet, from my ID, my Social Security Card, My Birthdate, My Address, and other info like Medical cards and Bank Cards. At the time this happened, I was forced to get all new info cards, and change passwords etc. This company was told this information, although whomever opened this account, they had all of my info, I never had an account with XXXX XXXX. They insist that it's mine with no proof that it's mine other than all of my personal info. I have never signed a single document applying for this card, yet this company has repeatedly reported as a collection to all of the major credit bureaus, destroying my credit and making my scores drop unbelievably low, all while I have been trying to buy a new home. I This has affected me directly because this isn't my account, yet they keep reporting that it is even after disputing this a few times with no removal from Portfolio Recovery. I was told by them, that XXXX XXXX Discharged this debt and Portfolio Recovery bought it on XX/XX/XXXX. First XXXX XXXX kept reporting this account that wasn't mine, then Portfolio Recovery started. This isn't right. It's not my account at all. Why do they keep reporting something that's not mine?
I need to know WHAT MY RIGHTS ARE under the law, and if they have violated my Civil Rights by maliciously continuing to report this account on my credit to the agencies. I live on a fixed income because I am on XXXX. XXXX due to XXXX XXXX. I'm tired of being a victim of people like this, who only care about making a dollar, or profit, even tho'they know this isn't my account. Please help me bring an end to this nightmare as I am trying to buy a home, through a program that helps buyers with XXXX. Thank You.
XXXX
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX Portfolio Recovery Associates Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
XXXX XXXXXXXX XXXXXXXX Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX XXXX.
*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
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| 05/16/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PRA failed to send any validation to my correct address as noted in their previous response. They ONLY sent validation to a third party without knowing this data would reach me. They did not give me the option to dispute this nor did they inform me of my violation to do so. This is a violation of the FDCPA in regards to communications from debt collectors.
" In fact there are cases that have coalesced around the proposition that " while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it. '' XXXX v. XXXX XXXX XXXX XXXX, XXXX. XXXX CV XXXX, XXXX XXXX XXXX, XXXX ( XXXX Ohio XXXX XXXX, XXXX ) ; see also XXXX XXXX Credit Bureau XXXX XXXX County , XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ).
The reasoning in support of this interpretation is persuasive. See XXXX, XXXX WL XXXX at XXXX. While XXXX and related cases have focused on the " written notice '' phrase rather than the " communication '' phrase of 1692g ( a ), it makes sense to interpret the two provisions in parallel.
The clear purpose of this section of the FDCPA is to require any debt collector who contacts a consumer to give that consumer a specific notice and an opportunity to dispute the debt. This purpose is best served by construing " notice '' and " communication '' as applying in the same circumstances.
Given the evidence available, this Court concludes that Plaintiff has shown beyond dispute that the XX/XX/XXXX letter is not Defendant 's initial communication with Plaintiff. As was noted above, Defendant sent this letter to an address where Plaintiff has never lived. In fact, there is no evidence that Plaintiff has any connection with the XXXX XXXX address at all. '' This is the exact tactic pulled by PRA with me. They knew they were sending off information to a third party knowing this was not my address as they were already provided this from the alleged original creditor right? This is a violation of my right as a consumer to dispute this account and receive proper notice of debt. If I was given this information at the time I would have disputed the validity back then. In fact, I have had to fight PRA for ANY proof for a debt they claim to be valid. This was all done through a third party that did not forward this information.
This is on PRA as the debt collector to make sure that I was properly notified of this debt and given the chance to dispute. Instead I have had to deal with their continued harassment and defiance that they have continued to lie about. I have taken a significant time out of my life to deal with this predatory company and intend to sue for their numerous violations and illegal tactics.
|
| 04/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Portfolio Recovery Associates , LLC, on your response dated XX/XX/XXXX You have failed to respond to items in questions account ending in XXXX inaccurate Where show proof of your company inconsistency reporting inaccurate information on my credit file harming file for years.
You have evade to respond to items in question In regards to account ending in XXXX purchase by you to XXXX, XXXX I deny account XXXX in XXXX., account not mines and never was mines.
I did not authorized account Be advise that I was not properly notified about Court Proceedings as you claimed on your response dated XX/XX/XXXX, because I was never served You are wrong as well as your information.
XXXX copy of your response dated XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. PRA purchased the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRAs purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA placed the account ending in XXXX with our Litigation Department on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings.
I was never served on this account, you are wrong court shows that I was never served I have proof you wrong.
We take compliance with all applicable state and federal laws very seriously. We have no record of a request or dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account which were similar to the dispute you made in this complaint. In response to one of those disputes, we sent
you the attached letter containing validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to your complaint or follow-up actions are required at this time.
You are informed on XX/XX/XXXX I was never served on XXXXXXXX XXXX XXXX in XXXX and account not mines, Please send me a cancelation letter for XXXXXXXX XXXX XXXX Ending in XXXX.
Send me the cancellation letter via Consumer Financial Protection Bureau for my security.
Within 7 business days.
Thank you XXXX XXXX
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| 07/22/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I requested that the company send me the requested information below within 30 days. The company failed to provide the information within the alloted time.
1. Please state the name, occupation and mailing address of the person answering the following questions.
2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt.
3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument?
4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.
5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.
7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.
8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.
9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
10. Please provide verification from the original creditor that you are authorized to act for them.
11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.
12. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call.
Disputing the debt, By __________________________ Agent without recourse
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| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery is a third party debt collector and has no right to collect the alleged debt amount. Transfer of a contract to a third party does not grant rights to collect. Portfolio has not validated this alleged debt as belonging to me and furthermore, has no right to collect. Enforcing said rights would be securties fraud has being the holder in due course with the only LAWFUL signee, I do not give any permission for Portfolio Recovery to handle my security ( contract ).
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
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| 08/15/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The original company that owned this debt was XXXX XXXX.
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call XXXX XXXX one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, XXXX XXXX said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to XXXX XXXX, and Portfolio Recovery bought the debt from XXXX XXXX .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the XXXX XXXX notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.
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| 02/25/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Request : Cease and desist all communication XX/XX/2022 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, Virginia XXXX Portfolio Recovery Associates, Portfolio recovery you are sending me documents that state this communication is from a debt collector but is not an attempt to collect a debt. I have received four letters as of XX/XX/2022. I have requested a cease and desist in the past. Once again I am asking you Portfolio Recovery to cease and desist all communication with me. I WILL NOT PAY THIS ALLEGED DEBT. DO NOT SEND ME ANY MORE LETTERS!
The Fair Debt Collections Practice Act states congressional LAW.
15 U.S. Code 1692c - Communication in connection with debt collection.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
I have attached the letters that I have received this month. If I receive any more letters I will notify the CFPB.
This is harassment!
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
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| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute.
I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX.
The Federal Law is quite clear about requirements imposed on Debt Collectors.
15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies.
Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights.
I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law.
There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right.
15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights.
I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request.
Yours Truly, XXXX XXXX XXXX
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| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Mortgages In accordance with fair credit report act, this creditor has violated my rights.Under Section 1681s-2 of the 15 USC ( United States Code ) contains provisions related to the responsibilities of furnishers of information to consumer reporting agencies, including mortgage lenders who report payment information on mortgages.
the creditor is prohibited from providing information about my account without my written consent.Subsection ( a ) ( 1 ) ( C ) ( i ) of Section 1681s-2 specifically requires furnishers of information to report the date of delinquency on any account that is delinquent, including mortgages, to consumer reporting agencies.
Subsection ( b ) of Section 1681s-2 outlines the responsibilities of furnishers of information to investigate disputes received from consumers and correct any inaccurate or incomplete information. This can include correcting the reporting of late payments on mortgages if they were reported in error. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
There are several sections within the 15 USC ( United States Code ) and other laws that prohibit creditors and furnishers from posting late bills or reporting inaccurate information to consumer reporting agencies. Some of these sections include : Section 623 of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to consumer reporting agencies report complete and accurate information, and correct any inaccurate information upon notice of a dispute.
Section 1681c of the FCRA, which limits the types of information that can be included in a consumer report, and requires that the information reported is fair, accurate, and relevant.
Section 1666i of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance.
Section 804 of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements in connection with the collection of a debt.
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| 11/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was the victim of identity theft ( I have police report showing my credit cards, Driver 's license, bank cards, and checks were stolen to make fraudulent charges and a copy of the legal judgement proving the person who stole my identity plead guilty and was convicted of Identity Theft, XXXX XXXX, a Class C Felony ). I have found that Portfolio Recovery Associates is reporting an account to all 3 bureaus and each copy of my credit report lists different information. One report lists Portfolio Recovery as reporting as an open collection account while reporting to another credit reporting agency as a closed collection account. Portfolio Recovery Associates is reporting as and account with a term of 0 to one reporting agency and are reporting the same account to a different credit reporting agency as a term of 1 month. Portfolio Recover Associates is reporting to one credit reporting agency with no account number while a partial account number is reported to the other 2 credit reporting agencies. Portfolio Recover Associates is reporting to one credit reporting agency as an Other Account ( Other accounts are those that are not already identified as Revolving, Mortgage or Installment Accounts such as child support obligations or rental agreements. This same report lists zero collection accounts. Since Portfolio Recovery Associates is reporting differently to each of the credit bureaus ( XXXX, XXXX, and XXXX ) differently I am unable to identify this account or the claimed balance owed as mine threfore I disputed this account with all 3 credit bureaus ( XXXX, XXXX, and XXXX ) on XX/XX/2018. On XX/XX/2018 Portfolio Recovery Associates changed the remark on my XXXX credit report as " Consumer disputes - reinvestigation in progress Collection Account '' but have yes to change the remarks to the other two major credit bureau XXXX and XXXX. Today XX/XX/2018 I received a call from ( XXXX ) XXXX. When I called the number back it was Portfolio Recovery Associates. I was surprised to receive a call from them as they have received the dispute and have attempted to contact me anyways. According to the CFPB website " Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you ''. This debt is still being re-investigated and no verification has been provided to me or XXXX, XXXX, or XXXX. I have attached copies of my credit reports from XXXX, XXXX, and XXXX, a copy of the police report and judgement proving identity theft took place, a copy showing the updated remark to my XXXX report showing this account is disputed with today 's date, as well as a proof of the call I received today while this account is currently in dispute.
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| 08/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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See attachment!
XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged PRA account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention.
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to Portfolio Recovery Associates LLC ( PRA ), and this raises concerns about compliance with federal law.
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for PRA 's communication with me regarding this alleged debt.
Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected.
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the XXXX activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section XXXX of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between PRA and XXXX XXXX bank regarding my personal information for my record in the event I have t file a Federal complaint.
Given the recent CFPB lawsuit against Portfolio Recovery Associates LLC, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld.
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner.
Sincerely, XXXX XXXX
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| 06/21/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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THIS IS NOT A DUPLICATE. Re : Complaint No. XXXX The response given to the last complaint is not valid because PRA is still harrassing me. I sent in multiple cease and desist notices however, in each response they are continually going unregarded. This is a violation of the FEDERAL LAW. And it appears that this company is practicing racketeering.
I have sent this company multiple cease and desist notices and one multiple occurences this company has failed to comply which is a violation of federal law! This company is conducting deceptive business practices and I, a federally protected consumer, am suffering due to them extorting me and falsely furnishing inaccurate information on my consumer report.
Since XXXX, PORTFOLIO RECOVERY has been ruining my reputation. As a result of PORTFOLIO RECOVERY illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred.
Since XX/XX/XXXX, I have been XXXX due to my consumer report ultimately being the cause of me not getting approved for the apartments I have applied to. This, in result, has caused me a great deal of stress and anxiety especially being a full time working mother that XXXX. The amount of added stress this has caused me has also caused my child to suffer due to me producing less XXXX XXXX to XXXX, per my medical doctors observation. PORTFOLIO RECOVERY has unlawfully broken several laws and I, the consumer, have been left to suffer. I cry myself to sleep every night hoping that my suffering in my life with a negative consumer report will soon be over one day soon. This issue has caused issues within my personal relationship with my partner and other family members as well. My parents and siblings have been approached and harassed at their own homes and recieved many harassing and threatening phone calls. These occurrences have left them feeling unsafe and threatened at their very own front door. These threatening and deceptive practices are causing arguments within my family and my personal life.
The attached documents that PORTFOLIO RECOVERY submitted as a response to my original complaint do not show anything more than an application for credit. I do not see my wet signature on any of the documents provided. I also do not see where I am obligated to pay anything based off of the copy of the contract that was attached. I do see several discrepancies in this alleged contract which makes it NULL AND VOID. Pursuant to 15 USC 1605, the finance charge is defined as the sum of all charges. PORTFOLIO RECOVERY violated TILA. As a consumer, I am protected by the Truth In Lending Act that PORTFOLIO RECOVERY openly violated.
This company is also in violation of the Gramm-Leach Bliley Act pursuant 15 USC 6801 .
Please see the attached documents.
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| 05/18/2016 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
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Portfolio Recovery Associates has been and is knowingly reporting false information and using false threats of imminent lawsuits to attempt to collect a debt.
I began receiving threatening phone calls on multiple phone numbers belonging to myself, my XXXX parents, and my girlfriend, where Portfolio Recovery Associate 's employees were stating an attorney had reviewed my file and a lawsuit was going to be filed in XXXX XXXX county, where I resided. As these were mainly left as voicemails with no identifying information, it scared and intimidated my family and I. I began incessantly checking the court docket to see who might be trying to sue me. I was n't aware of any pending litigation and had not received any type of written communication. My XXXX mother is still afraid someone is going to sue one of us due to these calls and voicemails that she received as well. I retrieved my credit report and found XXXX accounts listed from Portfolio Recovery Associates. I was alerted to the CFPB investigation and realized I was a victim as well.
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. Apparently they bought XXXX accounts, XXXX from XXXX XXXX and XXXX from XXXX XXXX and have continued to falsely report themselves as a factoring account company which they are not and they list a past due balance, but I 've never entered into any contract with Portfolio Recovery. How can I be late? The account numbers are partially listed on my credit report as XXXX and XXXX. This is a collection account that is not being reported as such and is further negatively affecting my credit report and score due to this company 's false reporting. I 've attached a screenshot of my credit report showing I have no collections, but yet Portfolio Recovery remains due to their false reporting.
In addition, they are inflating the amount owed to show an amount higher than what was reported by the original creditor as shown in the attached screenshots. They are also falsely reaging the account, reporting a date of first delinquency that is much later than actual, forcing this to stay on my credit reports longer than it should. I 've attached the payment history reported by the original creditor, showing a much earlier first delinquency.
Portfolio Recovery Associates has made my life a living nightmare, with the threatening phone calls, and intentionally reporting inaccurate information to essentially poison my credit report. They 've never even mailed me a dunning notice so their sole intention is using aggressively deceptive, illegal tactics.
We are looking to purchase our first home and this is severely hindering the process and causing a great deal of XXXX. We have a small child with XXXX plus XXXX and need this to be resolved ASAP.
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| 07/22/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.
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| 10/24/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Older American |
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Several factors like recent past experience. Data Breach, Identity, Theft, Mortgage consumers, disadvantage or loss step 1. what happened, What is this complaint about Harasses, excessive force, XXXX XXXX, false arrests, the fabrication of evidence and the failure to keep from harm terrorized in every name business and personal and proper name. i have ever used, and under many names and accounts invasion under the court- system filed false statements causes the citizens to be terrorized victim of Portfolio Recovery Associates , LLC , the actions of a debt collector pursuing a consumer assumed debt. I have been Portfolio Recovery Associates INC not No license properly EIN/ IRS Tax ID Number/EIN Florida Business are harassment by third party debt collectors. Collector has violated the FDCPA, the collector in filed court case in court. violated the Fair Debt Collection Practices Act passed the statute of limitations in Florida. third-party collectors alleging unfair, Invasion, of privacy deceptive, and abusive debt collection acts and deceptive debt collection practices. Recovery submits that has passed the statute of limitations in Florida to the court or incomplete documents commit fraud copied information and pasted partial accounts to XXXX and senior citizens. Step 2 : Often, harassing phone calls, then letters and now In the lawsuit Stolen personal information to commit XXXX. The documents letters that Portfolio Recovery mails or submits to the court or produces in discovery are scam claiming I owe Credit debt of incomplete documents copied information. unknown accounts. or don't prove the debt belongs to the person being sued collection agencies suing credit card owners who have defaulted on their debt No way of known How they invade every area of a person creditability. Without producing an in discovery uses Clerks to file are incomplete case and uses services and or don't prove the debt belongs to the person before being sued.in court practices. What type of problem are you having unauthorized personal information under created fabricated accounts don't prove the debt belongs to the me or person being sued. Step 3 : What happened Attorneys file violations of the Fair Debt Collection Practices Act ( FDCPA ), new accounts including improper contact sharing of information. Partial account of stolen information on its own authority. The federal legislation thats supposed to regulate the debt collection industry. They can took over or even open new accounts, Step 4 : What company is this complaint about someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception or inaccurate debt postings with credit reporting agencies, Step 5 : Who are the people involved not sure of the Object Constancy,
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| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX Company : Portfolio Recovery Systems Address : PRS XXXX XXXX XXXX XXXX Va XXXX Phone : XXXX Account XXXX Attention Credit Collection Company : To Whom It May Concern : On XX/XX/XXXX I discovered this debit on my credit Report.
I have no knowledge of this debit. I had received letters from you regarding credit issues for two prior XXXX XXXX accounts XXXX XXXX As of XXXX The new debit reported to my credit, I had thought that this was from the prior accounts and disputed it.
On receiving paperwork dated XXXX I have contacted your company and had spoken with the dispute department.
( 1 ) I had validated my debits with XXXX XXXX accounts ending in XXXX and XXXX ( 2 ) XXXX XXXX will not allow me to originate a new card in any way shape or capacity while I have two charging off accounts.
( 3 ) The balance on card ending in XXXX and XXXX is the same as confirmed on your end.
( 4 ) I had contacted your company for the payoff amounts for any and all accounts that may pertain to me when I had paid my previous debits and this account XXXX was obtained by you on XXXX, per your rep but did not post to my credit until XXXX ( 5 ) on XXXX I had spoken with a representative that assigned himself to my accounts and took valid payments to clear them, this third account was not mentioned nor was brought up. My address was valid in your system as you had sent me paperwork via the FCRA rules on the last debits but not this one.
( 6 ) The account aforementioned XXXX was originated in a town 35 miles from my location and the transactions took place in that location.
In accordance with the Rules of the FDCPA, I am requesting that : Immediately stop its collection activity due to two things The validity that this is my actual debit and that it may have been transposed from the original creditor, or within the company itself.
1. Again the address is not mine and had not been since XXXX 2. A. The debit was suddenly assigned to me XXXX XXXX had cleared all my accounts as they were sent to you and verified. Again XXXX XXXX will not issue another card when one is in bad standings B. The assignment of debit if it happened on XXXX to your company than it should have been made available for payment when I paid on my other debits on 03.27.21 C. Unsure of how the debit made it to one credit report and not the others, and it just started reporting on XXXX when it was in possession of the collection company for 2 months.
Investigate the debit : I request a copy of the original debit origination paperwork signed by me.
If you can verify the information, you have listed as accurate, please provide the name of the person supplying this data as well as the way it was provided in order that I may pursue remedies.
Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX, Ny XXXX
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| 06/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of XXXX XXXX. This is a formal letter that your claim is disputed.
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately.
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status.
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
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| 04/12/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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allegedIn XX/XX/XXXX I contacted Portfolio Recovery Associates ( PRA ), in regards to XXXX ( XXXX ) accounts they report to the credit reporting agencies ( CRAs ). Communications were sent certified mail and PRA accepted the three letters XX/XX/XXXX. In those communications I asked for validation ( with my signature ) that the debts belong to me, that a contract exists between myself and PRA that obligates me to them OR a contract between the creditor and PRA assigning the alleged debts to PRA. PRA responded by sending a copy of a credit card statement. I responded back on XX/XX/XXXX clarifying my request asking again for evidence that PRA has been assigned or owns this debt and that there is a contractual obligation between PRA and myself. Again a received a copy of a credit card statement. Certified letters were sent in XX/XX/XXXX and XX/XX/XXXX as well. No validation of debt bearing my signature, no evidence that I have an obligation to pay them. Upon further review of my credit files I saw that PRA was furnishing data to the CRAs that did n't even coincide with the credit card statements they had provided. Specifically, the date of first delinquencies did not match, the account was reporting as a factoring data account ( I do n't have an account with PRA ), they show terms as 1 month- again no account exists between myself and PRA XXXX the last payment amount is not provided and the last payment dates are not provided. I disputed with the CRAs asking that the inaccurate information be validated, corrected or removed. PRA again sent a copies of credit card statements and they indicated in their XXXX response that they will no longer respond to my inquiries. It seems that they are in violation of the FDCPA and the CRAs in violation of the FCRA and now no one will respond to my concerns. Then, shortly after receiving PRAs response in XXXX, I received multiple alerts from my credit monitoring service alerting me that new collections accounts had been added. PRA removed the XXXX accounts from my credit files between XX/XX/XXXX and XX/XX/XXXX and added them back within that same time frame. This was repeated again between XX/XX/XXXX and XX/XX/XXXX They have willfully and in direct violation of FDCPA and the FCRA re-aged my account. Now these accounts are falsely reported as " new '' collections and have dramatically impacted my credit score causing me significant financial & emotional burdens. I have in good faith reached out to PRA to try understand and resolve these issues and they have repeatedly chosen to ignore my specific requests, when they have responded it 's been with stall tactics that appear to be harassment, and they have retaliated to my continued communications with an unethical and illegal action of re-aging my accounts.
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| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I wrote to Portfolio Recovery disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/XXXX. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated.
On XX/XX/XXXX, I received a letter back from Portfolio Recovery. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. They also provided a summary showing an amount, alleged original creditor, account numbers and the last 4 digits of my social security number.
On XX/XX/XXXX, I responded back to Portfolio Recovery, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX.
On XX/XX/XXXX and XX/XX/XXXX, I received similar letters to the ones they had sent to me prior, and they said the same thing. That they were denying any inaccuracies in the information furnished to the Credit Reporting Agencies and their investigation was complete. I never received any signed contract, and I never received any investigative report. So, I still dont understand how they concluded that the debt was valid and belonged to me. They also sent account statements showing consumer purchases.
On XX/XX/XXXX I responded back to Portfolio Recovery and told them that I was still disputing the debt as no proper validation or signed contract had been furnished to me. In addition, I brought to their attention several consumer laws that they had violated and an amount that they owed me due to the violations. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and also included a return receipt. I have not received the return receipt but on checking the XXXX site, my letter was delivered to Portfolio on XX/XX/XXXX.
As of today, XX/XX/XXXX, I have not heard back from Portfolio Recovery, and they are still reporting the collection account on my Credit Report.
This account has not been validated properly and it should not be on my credit report. Please assist in getting a resolution.
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| 11/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures.
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by Portfolio Recovery Associates LLC. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by Portfolio Recovery Associates, LLC. I claim that no such documentation exists in the file contained with your court. Portfolio Recovery Associates LLC has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable.
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted.
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ).
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
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| 07/08/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a statement dated XX/XX/2018 from Portfolio Recovery Associates asking me to settle a debt at a " savings rate '' based on my choice of payment. I have never received any notification of this matter prior to this letter. I was confused and alarmed at this statement, so I sent a certified letter back to Portfolio Recovery Associates on, XX/XX/2018. In this letter I asked for detailed verification with my signature showing contractual obligation with this company, also asking that until they can verify and provide proper documentation they should not report to credit agencies. No response was ever provided to myself after sending the letter. On XX/XX/2018 I sent a follow up certified letter to Portfolio Recovery Associates, explaining they have failed to provide any sufficient details regarding this claimed debt. In this same letter, I again asked to provide verification for this alleged debt I owe them. Even though by not responding to my initial letter in a timely manner was a complete violation of FCRA and FDCA laws, I was offering another chance to provide my requested information to validate this is a true debt and not some money scam. I received a response from Portfolio recovery Associates dated XX/XX/2018, stating a generic " verification '' of account. These details provided are NOT detailed, such as a signed contract, detailed purchase and payment history. The details provided in this letter are details that are very easily obtained from any computer savvy individual. I waited a sufficient amount of time for this requested information and never received anything. So on XX/XX/2018, I sent a THIRD certified letter, again asking for detailed information just as before in the other TWO letters. On XX/XX/2018, I received a letter ( dated XX/XX/222018 ) from Portfolio Recovery Associates. Again this was a vague generic letter completely disregarding my previous requests for detailed information ( detailed purchase and payment history and a signed contract for alleged debt ). Then on XX/XX/2018, I received another letter from Portfolio Recovery Associates ( dated XX/XX/2018 ) stating they had previously requested more information of exactly what information I was seeking and this information was never received by them so the " investigation is being closed!!! This is complete nonsense! Every letter I have sent is very detailed as to what information I am seeking regarding this alleged debt. I feel like Portfolio Recovery Associates feel they are above following federal laws that protect consumers from this exact situation. They are playing some sort of game to confuse and scare consumers into paying money for alleged debts without providing requested/sufficient validation other than vague easily accessed information.
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| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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Dear Consumer Financial Protection Bureau : I was sued in small claims court by XXXX XXXX and went to court on XX/XX/XXXX. The collection agency that took me to court was Atty. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX claimed I opened an account with them on XX/XX/XXXX and paid perfectly until XX/XX/XXXX. I filed bankruptcy in XXXX and all credit card accounts including XXXX XXXX was discharged in Chapter XXXX bankruptcy on XXXX of XXXX. There was no way that four months later after Chapter XXXX discharge XXXX XXXX nor would any other credit card company extend me any credit let alone a high balance of over {$7600.00}, which they stated I owed. I went and filed an identity theft report with The XXXX police department to have them investigate if anyone was using my identity because the Collection Agency insisted this was a new account opened and I know I did not do it. I presented all evidence in court and the Collection agency presented their evidence. The judge agreed with me that there was no evidence that this was a new account and the collection agency could not present a contract, any receipts or evidence of payments from me during the XXXX XXXX time period that I supposedly paid on the account. The judge dismissed the case and asked that the case be removed from the docket of the Court and all cost incurred be taxed against XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX removed the Collection Account from my credit report and XXXX XXXX closed the account and removed the negative account from my credit report.
The Problem I am having is with the Collection agency Portfolio Recovery, LLC. Without any notification or opportunity to present my information to dispute the validity of the debt, Portfolio Recovery has put this old collections account, which has run the statute of limitations, been ordered removed from my Credit Bureau report in court, back on my report showing the account opened in XX/XX/XXXX. I have written the three Credit Bureaus on several occasions asking that this account be removed. I have sent a copy of the Judges order and even asked how a Collection company can collect on an account that has been removed from my Credit Report by the original creditor, has inaccurate dates, be allowed to remain on my Credit Bureau files. I am repeatedly told by the Credit Bureaus, that the account has been verified. Please help me with this issue. It is causing me harm and disqualifying me from promotions on my job and all types of credit rejections all because this rogue company feels they can just take advantage of the consumer and violate the Fair Credit Reporting Act. I had never heard of Portfolio Recovery until they showed up on my Credit Bureau reports, which I went to court and did all I could to take care of.
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| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is my second complaint against the unlawful acts of Portfolio Recovery Associates LLC. Please see CFPB Complaint XXXX XXXX. Portfolio Recovery Associates LLC provided false information to CFPB in its response stating that Portfolio Recovery Associates provided to me, all requested validation of the alleged debt.
My first requested document was a copy of the original contract between XXXX XXXX and Synchrony Bank. Portfolio Recovery Associates LLC failed to provide the requested document but stated in its response that Portfolio Recovery Associates LLC had purchased an account AND contract.
Portfolio Recovery was obligated to comply with the federal Fair Debt Collection Practices Act ( " FDCPA '' ) and the Texas Debt Collection Act ( " Texas Act '' ). The former makes it unlawful for a debt collector to " use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e. That prohibition includes, among other things, communicating " credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Id. 1692e ( 8 ). The Texas Act contains a parallel prohibition. See TEX. FIN. CODE 392.202 ( a ), 392.301 ( a ) ( Portfolio Recovery Associates LLC failed to communicate with consumer reporting credit agencies that this alleged debt was being disputed but instead, provided partial documentation which did not suffice what was requested from them. And as a result of Portfolio Recovery Associates violation of 15 USC 1692e ( 8 ), a credit application from myself to studentaid.gov for a Parent Plus Loan to help pay for my son 's college education, was denied solely based upon the Portfolio Recovery Associates collections account shown as a negative reporting on my consumer credit report. The FTC and FCRA encourages fair reporting to reporting agencies but Portfolio has denied me of any fairness through violations.
Recently, Portfolio filed a lawsuit against me alleging that I, XXXX XXXX, owed a debt to them. Attached to the lawsuit is documentation which supposedly supports the alleged owed debt. Portfolio Recovery Associates LLC provided a Bill of Sale which does not include any alleged account information supposedly belonging to XXXX XXXX.
As a consumer, I am fully aware of the courts most recent decision of the CFPB XX/XX/XXXX lawsuit filed against Portfolio Recovery Associates for their violations against the 2015 Order, the CFPA, FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V.
Portfolio Recovery Associates have continued with these violations in spite of the final judgement results of the lawsuit and I want to make sure CFPB is fully aware of it.
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| 05/20/2015 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time.
They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly.
They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone.
The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX.
I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back.
It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.
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| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is in regards to Portfolio Recovery Associates. Following receipt of a letter from from PRA 's attorneys, XXXX XXXX XXXX, back in XXXX, I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. After a month went by with no documentation, I called XXXX XXXX XXXX to find out where the requested documentation was. I was told, at that time, that documents would be forthcoming. I waited another month, & no documentation arrived. I have now called numerous times requesting documentation, each time asking it be sent certified mail for proof. No documentation has ever been received.
In the meantime, on XX/XX/XXXX, I received a summons. Upon receipt of the summons, I immediately called XXXX XXXX XXXX, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option.
As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempts to exercise my right to arbitration or mediation, if need be, have been ignored. Each time I have advised the reps at XXXX XXXX XXXX that I wish to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them.
Clearly, Portfolio Recovery Associates & XXXX XXXX XXXX are trying to overwhelm, harass & threaten me. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary.
This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. Portfolio Recovery & XXXX XXXX XXXX are XXXX, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against them. Thank you.
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| 08/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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See attachment!
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged XXXX account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention.
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to XXXX XXXX XXXX XXXX ( XXXX ), and this raises concerns about compliance with federal law.
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for XXXX 's communication with me regarding this alleged debt.
Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected.
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the criminal activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between XXXX and Capital One bank regarding my personal information for my record in the event I have t file a Federal complaint.
Given the recent CFPB lawsuit against XXXX XXXX XXXX XXXX, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld.
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner.
Sincerely, XXXX XXXX
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| 03/10/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates is trying to collect on 3 XXXX XXXX accounts, that do not belong to me. I have disputed the allegations. Portfolio Recovery Associates has been harassing me about 3 alleged XXXX XXXX accounts, that they claim belong to me. I have no knowledge of these accounts and have disputed the allegations with PRA and the 3 major credit bureau 's. XXXX XXXX is not listing these 3 accounts on my credit report. And if they were mine, negative information would stay on my credit for 7 years. Secondly, XXXX XXXX has a policy where a consumer can only have 2 directly issued cards with them. So it is impossible to have 3. I have provided proof of this statement directly to PRA. In PRA 's letter to me, they promise to provide a " chain of title '' if requested. I have requested this multiple times, and they have not provided it. This is a violation of the FDCPA for a misrepresentation and false statement. The Illinois collection Agency Act requires PRA to provide a signed contract of the agreement, the assignment, and the consideration for the assignment. PRA has willfully not provided these items to me after I have submitted multiple letters requesting this information. They did provide me a generic BILL of Sale which makes no reference to me or the alleged accounts. Which violates a consent order that the Consumer Financial Protection Bureau ordered against PRA. Enacted in 2015, file No. XXXX. The Illinois law also requires PRA to be a licensed debt collector whether they are collecting directly or indirectly. And PRA is not licensed in the state of Illinois but is threatening to sue me and get a judgement against me. I believe these accounts may be a result of identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. PRA is the only one with knowledge of these accounts. And they have not provided me with proof they own these accounts, that these accounts belong to me, and that I have a contract with them or with XXXX XXXX. PRA has used multiple false and misleading representations to me, has threatened to take legal action that can not legally be taken, they never investigated my original dispute within the 30 day time frame, and they are reporting false information to the Credit Reporting Agencies without verifying and they should have known this info was inaccurate. They claim they investigated my claim, but if they would have called XXXX XXXX to verify a consumer can't have over 2 directly issued accounts, they would realize I was correct. I faxed in documents of my claims to the CFPB yesterday. The fax contained the generic Bill of Sale documents. I am contacting you again because I didn't include my email address yesterday in the fax. I apologize.
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXXXXXX XXXX XXXX sold a closed and charged off credit card account to a collection agency in XXXX ( Portfolio Associates ) The credit card account was opened in my name. XXXX states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at XXXX XXXX where I was given this information. But, XXXX XXXX is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, XXXX XXXX is double reporting an account they do not own. XXXX XXXX is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( XXXX XXXX ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( Portfolio Recovery Associates ) is also reporting this account to all three major credit bureaus as an active collections account.
Portfolio Recovery Associates is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued Portfolio Recovery Associates in XXXX the Commonwealth won a class action lawsuit against Portfolio Associates for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) Portfolio Associates agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement Portfolio Associates agreed were ordered to stop collection activity from Social Security Disability ( SSDI ) recipients. In short not only is Portfolio Associates in flagrant violation of the terms of their very own settlement agreement both XXXX XXXX and Portfolio Associates are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. Portfolio Associates is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. XXXX is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.
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| 02/27/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am a victim of Identity fraud. I had to sue a Chief of Police in Minnesota because he was accessing my personal information for over 30+ years, and giving it to his drinking buddy to harass me, impersonate me, threaten me, assault me, open accounts in my name, and sent others to try to kill me in Minnesota ( also ) Colorado after I settled the Lawsuit in U.S. Federal District Court in Minnesota XXXX I was contacted by XXXX XXXX about a debt I have no knowledge of when I lived in Colorado. I had to moved to Nebraska after I had been assaulted, and almost killed in Colorado. I was contacted over and over again by XXXX XXXX. I had changed my phone number, but they keep calling me over and over again. I was contacted by a law firm which took me to court about the debt. I went to court. The law firm didn't show, and the case was dismissed. The law firm again sued me, and again they didn't show up, so the judge again dismissed the case. The account was removed from my credit report, however, after the court case was dismissed it was added again back to my credit report. I had contacted the debt collection agency via email, and I had submitted a complaint on them for harassment. I sent them the links to my District Court Federal Lawsuit, my account information, and to stop harassing me. They have continued to call me at all hours of the day. I keep blocking their robot-calls as they mask it as coming from a local phone number in Nebraska. I kept blocking them, yet they continued to call my phone. I went to recheck my credit report, and see they relisted the debt again even after I sent the information of the Federal Lawsuit in Minnesota. I have filed dispute 's on XXXX XXXX XXXX XXXXXXXX XXXX. Online the accounts have been removed, or are on/under investigation, yet XXXX XXXX has a glitch on the site that will not allow me to dispute this account. I called all 3 credit report agencies to secure my account, fix all the false information that was recorded or placed under my name, social security number, etc. I am trying to repair my credit score back to the high XXXX 's it was, but XXXX XXXX keeps adding the account which keeps lowing my score over and over again by XXXX points or more. I keep being denied credit because of this bank and Portfolio Recovery XXXX XXXX as they keep renewing the account as active or unpaid. I can not repair my credit if this company keeps harassing me, and keeps adding the account after I have it remove or disputed, and they are not answering my emails on my past ( and ) current Lawsuit 's or the information I submitted about being harassed over and over again by them. The Chief of Police I sued still have all my past and current information ( including ) my Legal name change in court.
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| 04/06/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American, Servicemember |
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XXXX ( Professional Recovery XXXX ) calls my cell phone approximately two dozen times, if not more, monthly. When I answer the call, they ask to speak to " XXXX XXXX ''. I ask " Why? '' I will not bore you with the rest of the verbal sparring, but I always tell the person calling that their company is harassing me and is in violation of Federal laws and regulations governing their actions and practices. I close with, " Do not call me again, '' and hang up. ( I also have informed them, repeatedly, that they are legally time-barred from contacting me and/or pursuing any sort of collection efforts. ) They had not tried to contact me in about two weeks until last week. I recall that there were 3-4 attempted calls during that week and there have been 4-5 this week, including today. In most recent cases, I have blocked their phone number after disconnecting their call.
I can not document all their calls except that I believe I could access the dates and times of these incessant calls from my call history from my provider and provide a list of all their phone numbers that I have blocked, to date.
IF, there is any unpaid debt, utility bill, etc., in my past, these are long gone. I monitor my credit regularly. I only have credit today because I was patient and waited to begin rebuilding my credit history after a lengthy period of time had passed to allow entries such as collection accounts, etc., " fall off '' my credit history.
If you look at my credit reports today, all you will see is that credit card payments and installment loan payments are " paid as agreed '' and that, in trying to reestablished my credit worthiness - no collections, no tax liens, no judgements, of any kind.
I have no idea what supposed debt they are illegally attempting to coerce me to settle and do not care what their tenuous position is. When they ask if " Is XXXX XXXX available? '' I ask. " From what company are you calling? '' and " Why do you want to speak to that person at this number? '' They do identify the company, but they will not give me any further information as to the reasons for their annoying, illegal harassment of me unless I confirm - by stating the information - in response to questions such as, " What are the last 4 digits of your Social Security number? '' Or, " What is your address and phone number? '' I lived in XXXX, TX, from late XXXX XXXX to mid-Jul XXXX and in XXXX XXXX, LA, from mid-Jul XXXX to early XXXX XXXX. I have lived in XXXX XXXX, HI ( on the Big Island ) from Father 's Day, XX/XX/XXXX XXXX until now. I have lived at my first address since mid-Nov XXXX until now, about XXXX years at the same residence.
Please contact me if you have any questions about this narrative.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Company is Portfolio Recovery Associates ( PRA ).
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the de
bt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt Portfolio Recovery Associates claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect.
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' PRA has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing.
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
|
| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates, LLC ( PRA ) purchased a credit account I had with XXXX XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a request to provide documentation validating the debt PRA claims that I owe them.
" Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the following as required, per 15 USC 1692g
Sec. 809 - Validation of debts : - The amount you claim I owe you.
- Explain and show me how you have computed the amount.
- Send me the copies of any documents that prove I agreed to pay the alleged amount.
- Identify the original creditor.
- Confirm that the account has not crossed the SOL period - Prove that you're a licensed debt collector - Show me your license numbers and registered agent. '' In response, PRA has provided documentation showing that PRA purchased from XXXX XXXX XXXX this credit account on XX/XX/XXXX at a claimed balance of {$1400.00}.
Additionally, PRA provided only two statements from XXXX covering the periods of XXXX and XXXX.
On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a letter in response to me stating that PRA had not provided documentation legally required under the Fair Debt Collection Practices Act to validate the debt they claim I owe them. In the initial request for validation I clearly stated, " I would also like to request, in writing, that no calls should be made by your agency or
company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no
option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. '' PRA 's response was to send a letter, to my mother 's address, with even less documentation, simply resending the document showing the PRA had purchased this credit account from XXXX XXXX XXXX with no additional documentation beyond that at all.
PRA clearly is unwilling or unable to provide the legally required documentation to validate their claim to this debt. Despite that, PRA continues to report to at least one of the 3 major credit reporting agencies a " MAJOR DEROGATORY '' associated with this credit account.
|
| 03/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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After months of aggressive calls from this Portfolio Recovery who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney XXXX XXXX XXXX located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both Portfolio Recovery & Attorney XXXX office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years. Since Attorney XXXX office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney XXXX office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a disgust and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Portfolio Recovery Associates nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX.
Sincerely, XXXX XXXX, Thank you
|
| 05/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi Portfolio Recovery Associates Inc, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX to pay off the balance however, on XXXX the check was endorsed and deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with XXXX XXXX XXXX XXXX XXXX Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ). XXXX XXXX ( Corporate Consumer Relations Senior XXXX at XXXXXXXX XXXX XXXX suggested, I contact Portfolio Recovery Associates ( PRA ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for PRA are XXXX and XXXX ) for further investigation. XXXX XXXX XXXX suggested Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted Portfolio Recovery Associates via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. According to the response from a Portfolio Recovery Associates Inc representative in regards to Complaint # XXXX, PRA investigated my complaint, and found XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine, and PRA has requested that the funds be refunded to me and no further steps or follow-up actions are required.
I did receive Check # XXXX for the amount of {$880.00} via USPS, however I did not receive any documentation confirming XXXX XXXX sent the funds to PRA with instructions to credit those funds to an account that was not mine. The documentation is needed to dispute the interest charges that occurred due to this error. To remove the interest charges from my XXXX XXXX XXXX Bank account, please provide me with documentation confirming XXXX Bank sent the funds to PRA with instructions to credit those funds to an account that was not mine.
Thank you for your time and assistance with this investigation.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
|
| 05/04/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA.
Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX.
Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month.
They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX.
As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account.
Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time.
Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed.
However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX.
This is a lie.
If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX.
This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores.
Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it.
This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole.
Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX.
However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars.
This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor.
Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have continually attempted to resolve this issue with both of these companies but they have refused to fix this issue.
I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report.
XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/.
Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account.
I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report.
I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX.
Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX XXXX account are on in the same. Thank you.
|
| 10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue.
This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus.
Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.
|
| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX, Thank you
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| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX, Thank you
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| 01/15/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I would like to request the CFPB help with a debt validation matter with Portfolio Recovery Associates. While reviewing my personal credit reports I noticed them listed and began investigating. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation to Portfolio Recovery Associates requesting they provide competent evidence that i have any legal obligation to them for an alleged debt they're reporting I owe. I was very specific in the information I wanted to validate, as well as to allow 30 days for processing after I receive the information back from them. On XX/XX/XXXX my affidavit was received by Portfolio Recovery Associates. On XX/XX/XXXX, I first received a correspondent dated XX/XX/XXXX with the alleged original account number, last 4 digits of SSN, the date this alleged account was opened and a statement to contact them if I would like to receive a payment history of payments. A few days later, XX/XX/XXXX, I received additional correspondences { also dated XX/XX/XXXX } that included a computer-generated letter from the alleged original creditor, alleged billing statements that does not even include my full name ( XXXX XXXX XXXX ) and a " statement '' that this establish its validity. I have since sent an another letter { XX/XX/XXXX }, requesting additional information as I DO NOT believe that have validated their claim, it was received by them on XX/XX/XXXX. I am writing to you due to their non-compliance, as I strongly believe they are in violation of the FCRA and I fear that they may outright refuse to uphold the law. First, they have continued to send invalid information to the credit reporting agencies during the validation period AND with a statement " Subscriber reports dispute resolved - consumer disagrees ''. Who resolved it? Reporting on a debt that has not been validate is a violation of the FCRA. Second, they have not demonstrated through compliance they have legal grounds to seek from me this alleged amount they claim I owe. The letter for the alleged original creditor is not signed therefore it can not be authenticated to be certified under testimony to be true and accurate. Third, there are two different amounts for this alleged " balance '' on the correspondences they sent. The unsigned letter from the alleged original creditor shows a balance at time of sale of {$8100.00} and the correspondence from Portfolio Recovery shows a balance of {$8100.00}. Which is accurate? Additionally, the two statements dated, XX/XX/XXXX with an alleged balance of {$6900.00}, the other dated XX/XX/XXXX with an alleged balance of {$8100.00} - how did it go from {$6900.00} to {$8100.00}? I have attached documentation for your review and respectfully request HELP!
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| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX, Thank you
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| 10/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I am writing to formally file a complaint against Portfolio Recovery for their erroneous and, in my view, malicious handling of an account originally held with XXXX. I believe the conduct of Portfolio Recovery not only tarnished my reputation but also violated the guidance and directives given by the Consumer Financial Protection Bureau ( CFPB ) to debt sellers and collectors.
To provide a comprehensive context : Timeline & Details of Debt Sale : In XXXX, the CFPB directed XXXX to cease selling debt that it could not validate and to ensure that the debt it sells is documented accurately. Subsequently, in XXXX, a debt amounting to $ XXXXwhich does not align with my recordswas sold to Portfolio Recovery. I was made aware of it by a phone call from one of their reps in XX/XX/XXXX.
I promptly requested debt validation. In response, I was merely provided with a letter stating the amount owed and two ambiguous statements without any transaction history. This does not constitute adequate validation. Additionally, Instead of properly addressing my concerns, Portfolio Recovery simply annotated " consumer disagrees '' on my credit file.
Now comes the litigation without notification. I'm currently seeking a change in employment and found out as I was searching my online reputation that without providing prior notification to me, Portfolio Recovery filed a lawsuit in the XXXX XXXX, NJ courts on XX/XX/XXXX. I have the docket number and it was initiated by their lawyer XXXX XXXX. I was never formally served for this lawsuit.
The records indicate that the courts reached out to Portfolio Recovery nearly a year later due to inaction on their part. In response, they filed a dismissal without prejudice. Not only should that lawsuit never have been filed and become part of my public record, but when they dropped it they should have dropped with WITH prejudice, given they clearly lack any evidence to ever follow through, and not without prejudice.
Based on what I've read in consumer rights, this is a violation of CFPB directives. The behavior of Portfolio Recovery mirrors the scenario highlighted in a recent reprimand earlier this year where they were found to be initiating lawsuits without producing required documents and without appropriate follow-through. Consequently, this record is publicly accessible and adversely affects my personal and professional reputation. So, now, not only is my credit record stained by this, now anytime someone googles me or does a reputation search for me it shows up and is tainted as well.
In closing, I hope the CFPB can take action to address this significant oversight by Portfolio Recovery.
Thank you for your time and attention to this pressing matter.
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, XXXX XXXX XXXXXXXX Portfolio Recovery ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
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| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, I demanded that PORTFOLIO RECOVERY ASSOCIATES LLC comply with 15 U.S. Code 1692g. On XX/XX/2023, XXXX responded, stating, " Due to your request that we cease communications, we will not be providing validation unless otherwise required by law. '' It is my right under 15 U.S. Code 1692g to receive all information within 30 days pertaining to this alleged account.
On XX/XX/2023, I received a letter that I find to be laughable, claiming the completion of their investigation with a hearsay document that appears to be produced in XXXX XXXX. It is worth noting that PRA sent this hearsay letter was produced 55 days after i demanded full verification on this alleged account, and it took 67 days for the hearsay document to reach me. This information will be provided within the portal. Additionally, I have lodged a complaint with the Tennessee State Collection Board with the warning, and this information will also be shared.
Portfolio Recovery Associates , LLC has gone even further with their unlawful practices by reporting on my personal credit reports without following 15 U.S. Code 1692g. I demand that PRA provide proof that they have complied with 15 U.S. Code 1681s2 ( 7 ) ( A ). They have failed to prove any claims on this alleged debt, and I have never entered into any agreement with this alleged debt. Nor will I do business with any company without my consent.
Furthermore, I demand that PRA takes all necessary steps to remove all inaccurate and damaging information from my credit reports, close all collection activity related to this alleged account, and close my file within their offices. Any further delay or noncompliance on their part will be considered an intentional disregard of the law and my rights as a consumer.
In the event that PRA fails to comply with these demands within 15 days, I will pursue legal action against them to seek redress for the damages caused to me and to hold them accountable for their repeated and intentional violations of the Fair Debt Collection Practices Act ( FDCPA ) and the law.
I demand that Portfolio Recovery Associates , LLC takes this matter seriously and takes immediate action to rectify the situation. Failure to respond or comply with these demands will be deemed an admission of guilt and will result in more severe consequences. I reserve the right to pursue all available legal remedies to enforce my demands and to seek damages as appropriate under 15 U.S. Code 1692k and through the courts.
To conclude, I want to emphasize that I will not cease my efforts until the truth comes to light regarding the questionable practices of your company. I will not pay a single penny, especially for something that is not owed.
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| 07/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Bank Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section XXXX15 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft.
I Never opened a credit card with XXXX XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter.
Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft.
Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies.
Thank you for your cooperation.
Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
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| 05/22/2023 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX.
This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage.
PRA then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained?
Second issue is PRA has illicitly refused to work with XXXX in correcting this. I had reached out to XXXX asking as to why I had a collection against me as I had stopped trying to doXX/XX/XXXXand had requested XXXX decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my XXXX account and as I had no money in it with orders to close it then processed to XXXX credit.
XXXX never sent any notification or Correspondence. This whole time I didn't know I still even had a XXXX account until I got a collection letter from PRA for {$270.00}.
The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me.
When talking to a XXXX rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer.
The 3rd party collection agency will not return it to XXXX as the rep had stated and I would have to " take it up with them '' So I don't understand how XXXX can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit..
I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges.
They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
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| 07/20/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to.
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for XXXX XXXX XXXXXXXX XXXX
I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with XXXX XXXX XXXX perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im disabled, on disability, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false.
I know portfolio recovery services have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any XXXX XXXX XXXX on my reports so thats false information and scamming beside the fact these companies continue to harass me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts portfolio recovery wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY XXXX XXXX XXXXXXXX account in years years beside which Im income contingent, unemployed, disabled and their ruining my credit further Im trying to fix where not to XXXX XXXX XXXXXXXX or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop
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| 03/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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There is a collections account on my credit report by Portfolio Recover XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied other than a useless bill showing a previous balance but no other information.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, complete history showing payments, charges, interest and fees to support the amount of debt you claim is owed, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.
6. Please confirm the date the statute of limitations expired.
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Please cease and desist all collection attempts and remove this erroneous information from my credit report.
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| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have requested numerous times to provide me with the correct information and they have ignored it. This debt does not belong to me and asked for them to verify that it does and has failed to do so on many occasions.
Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( PORTFOLIO RECOVERY ASSOCIATES ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
The only information provided is for the following XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the account was opened on XX/XX/XXXX why do I not have all the statements and payments as I have asked many times.
How come I havent gotten anything that shows this was actually mine with my signature.
No proof of license in my state as asked No contract providing my signature or sold receipt showing it was sold from the original credit.
Also these account is also being inaccurately reported on my credit reports with multiple different information across all 3.
Information provided from PORTFOLIO RECOVERY ASSOCIATES XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Sale done XX/XX/XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Refuses to investigate XXXX Refuses to investigate Summary showing sold XX/XX/XXXX Opened XX/XX/XXXX Letters sent from me to the company for validation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
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| 12/05/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement.
Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus.
When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX! Another direct purposeful, false, inaccurate data provided from PRA.
These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) PORTFOLIO ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 12/17/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American, Servicemember |
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On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours.
The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation.
The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ).
Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX.
From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim.
Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt.
This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA.
I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.
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| 11/22/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing.
After several attempts to resolve the issue with no resolution, I stopped making payments on the account.
In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost.
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed.
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due.
Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money.
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable.
I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account.
I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money.
I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue.
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''.
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
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| 10/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I happened to come across a debit collection after seeing my credit report in XX/XX/XXXX stating that I had a debit with Portfolio Recovery Associates, LLC that was opened XX/XX/XXXX. I filed a depute with XXXX and it was removed from that credit report. After filing the dispute I received a letter from Portfolio Recovery stating In response to your dispute related to the above account Portfolio Recovery Associates, has enclosed additional documentation for your review. Included in that package was a credit card statement which had a balance of {$6800.00}, PRA was stated the balance was {$8000.00}. Also included was a letter stating that this debit was transferred from XXXX XXXX XXXX. ( I never received any communication from XXXX XXXX XXXX ). I submitted in writing to PRA requesting them to validate this debit by providing name and address of alleged creditor, name on file of alleged debtor, alleged account #, address on file for alleged debtor, amount of alleged debt, date that this alleged debt became payable, date of original charge off or delinquency, was this debt assigned to debt collector or purchased, amount paid if debt was purchased, commission for debt collector if collection efforts are successful, a copy of the agreement with your client that grants Portfolio Recovery Associates, LLC the authority to collect this alleged debt, a copy of any signed agreement debtor has made with Portfolio Recovery Associates, LLC, or other verifiable proof debtor has a contractual obligation to pay Portfolio Recovery Associates, LLC, a copy of any agreement that bears the signature of debtor, wherein I agreed to pay Portfolio Recovery Associates, LLC. In response, PRA again sent me copies of old statements. I then sent them a second letter informing them that this was not validated according to my request to please submit the initial requested validation information requested. Again, I was sent some more copies of old statements. My request from them was not answered. I asked for proof that the debit was mine, did PRA have the right to collect it and a signed contract between myself and PRA, which was never provided. Then I receive this letter stating if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. How can this matter be closed when PRA did not provide me with the requested information regarding validation? The letter sent was very intimidating, making feel like I dont have the right to request validation under the FDCPA.
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| 03/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted XXXX firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( XXXX XXXX XXXX ) MANY times after the charges were paid, and were assured that this would be reconciled. Once Portfolio Recovery Associates bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account.
XX/XX/XXXX - We spoke to XXXX XXXX with XXXX XXXX and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months.
XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX.
XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months.
XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed.
XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}.
The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion.
XX/XX/XXXX We received the mattresses to complete the order.
XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}.
They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by XXXX bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
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| 03/02/2017 |
Yes |
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- Credit reporting company's investigation
- No notice of investigation status/result
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Web |
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In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.
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| 09/19/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED in Federal Court. XXXX XXXX XXXX, XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have ftiled a complaint with the XXXX and CFPB ( last case # XXXX ). My XXXX complaint was closed when Portfolio Recovery said they would cease collection efforts, unfortunately that was not the case. I filed a complaint with the CFPB and Portfolio responded and included personal documents of someone else ( I have attached what Portfolio provided, I am sure Mr. XXXX would not be pleased Portfolio provided me with his personal information ). I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. Furthermore Portfolio is not even licensed to collect in my state. I will continue to document my efforts to get this issue resolved and seek litigation if I need to.
Portfolio is in violation of the following : XXXX Not validating this debt yet continuing to pursue collection activity.
* Not validating this debt and continuing to report to the credit bureaus.
XXXX Pursuing collection on a debt without being licensed to collect in my state.
I am protected under FDCPA Section 809 ( b ) & demand ( 1 ) all collection efforts cease, ( 2 ) removal of this debt from all 3 credit bureaus, ( 3 ) {$1000.00} fine for each of the above violations ( totaling {$2000.00} ) Please do not merely think you can provide me with bills like you have provided for Mr. XXXX, I am aware of my rights. I am not willing to play back and forth games and will pursue damages to the extent of the law. I have documented all of my efforts & have saved all of Portfolio 's responses, which include someone else 's documents. I expect a resolution within 3 days. I have emailed countless times directly to Portfolio Recovery & have gotten the run around or simply been ignored! Portfolio Recovery 's disregard of my complaint and negligence in providing another person 's documentation is very unsettling & I do not trust my concern is being properly looked into.
Regards, XXXX XXXX
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| 12/18/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. Portfolio Recovery Associates LLC failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through.
according to my records, other companies had acquired the debt before Portfolio Recovery Associates. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of Portfolio Recovery Associates LLC back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. Portfolio Recovery Associates did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe Portfolio Recovery should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them 68 calendar days and counting to do so which I believe is unfair.
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| 08/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 02/03/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.
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| 09/05/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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Portfolio Recovery is still hounding me about a XXXX XXXX REward Zone MasterCard account. The account was mine, HOWEVER, I had full coverage of payment protection plan for that account and completed the application for total dismissal of the entire debt due to illness and XXXX. I carried that insurnace on all of my credit cards, XXXX of which were XXXX at the time. I was working, contracted XXXX, became too ill to work and was put on total XXXX. I was found to be XXXX by the social security administration besides my XXXX doctors and you do n't get that unless you are nearly on your death bed, which I was. XXXX should have never sold my accounts as collections. They had all the information through the insurance company. This was from XX/XX/XXXX to XX/XX/XXXX even into XX/XX/XXXX by the time i took the year long XXXX. Although cured, I remain XXXX. XXXX and their insurance company kept losing my information, had my accounts a mess and none of the accounts should have ever gone into collection. I have suffered a great deal over all of this. I have told this to Portfolio Recovery numerous times over the past years. They could look at a statement of mine and see that I paid for the payment protection plan every month. They are now showing a balance of {$1500.00} on my credit report AGAIN. This has caused a great drop in my credit score. I am not denying the account I am disputing any balance whatsoever. Due to being a victim of XXXX presidentially declared disasters in XX/XX/XXXX, XXXX and XXXX ( FEMA disasters ) XXXX XXXX and XXXX XXXX from the floods in Texas, I have lost my home and any paperwork and documentation. My home is still unihabitable and there is no way to prove any of this as it is so old anyway. Portfolio Recovery already has a classaction lawsuit for their behaviors and I believe the CFPB filed a complaint. I received a postcard to complete in order to join the lawsuit so this type of behavior from them should not be surprising. I want this removed from all credit bureaus and any credit card companies that show credit scores. I will not deal with them on this type of level again and am not opting to join the class action suit so that I may pursue this myself if need be. This has kept me from being able to get a home repair loan so that I can live in my home again. I have lost everything except some clothing and a few odds and ends and my vehicle. Starting over at XXXX years old on very little income and being XXXX where I ca n't do much of the physical work myself is a nightmare. Thank goodness I was able to supplement my income a bit with online income but I am still in the low income bracket. They need to leave me alone, please.
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| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof.
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information.
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports.
XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it!
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it!
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it!
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it!
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it!
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles!
Portfolio Recovery Associates # XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation.
A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office.
I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to.
I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report.
This all happened well over a year ago.
I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit.
This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled.
I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.
|
| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : The Office of Registered Agent for XXXX XXXX XXXX From XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I've been receiving phone calls with the user ID under " PortfolioRecovery '' for a while now. The first time I've got a phone call under this user ID, I answered because I wasn't sure what it was for but I only received an automated voice message so I just hung up. But after that, they've constantly been calling me through different state areas and different numbers. I started blocking the phone numbers that were under the same user ID but it still hasn't stopped " PortfolioRecovery '' trying to contact me. I used to just ignore the phone calls but for today, XX/XX/2021, I first ignored their call but ended up calling back under the number I received to see if I may be able to get a hold of an actual person. I was able to talk to a human on the other line but she was not at all willing to give me any information when I asked her what the calls were about. She was unwilling to provide me any information on this company 's intentions except for the company 's name unless I'd share any information about myself to her. She mentioned something about debt but that was about it and wouldn't tell me anything such as why they were calling me or what this company was about until I provided my first and last name. After I did, she told me that my number might be the incorrect number for the person they have on file. I asked if it's possible to get my number off that list and she told me that I should just answer the next phone call I get from under this company to let the other caller to stop calling me. It's been months where they have kept calling me. I thought it was just a random number and I'm able to just block them from contacting me but this company has been calling me with different numbers from different states and I honestly feel so harassed because it disturbs me during my work times and other times. I've already talked to an associate that apparently works for the company but she just told me to wait until I get another phone call to let the other know to stop reaching out to me. Also I had to call them twice because the first call I had with them, the phone associate wasn't able to give me answers to my questions about why they were constantly calling me and ended up just ending the call. So I had to call them the second time to finally get one information out of them except with the same answer for the rest of my questions. They wouldn't discuss what the company did unless I gave my full name. The person on the other end of the call, I believe were the same person when I called both times, was very vague and wouldn't discuss why the company would keep contacting me and said that the company contacts people for personal business.
|
| 01/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines.
Portfolio Recovery 's response, " Because we purchased the account and contract XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX and XXXX is required to validate the account, '' violates the provisions of the Fair Credit Reporting Act ( FCRA ) Section 611. This section requires debt collectors to provide verification of the debt upon the consumer 's written request. I have indicated that I did not receive such validation and verification and their response does not meet the requirement.
In addition, Portfolio Recovery 's statement that " business records provided to us by XXXX XXXX Bank ( XXXX ), XXXX ( XXXX XXXX ) reflect that on or about XX/XX/2015, XXXX XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX, '' is incorrect and inaccurate. I have ordered a new social security card and will soon prove that the name associated with those last four numbers is incorrect. This means that Portfolio Recovery has no contract in my name and social security number and did not verify or validate the alleged debt.
Portfolio Recovery 's violation of the U.S.C codes, including 1681i ( a ) ( 1 ) ( A ) and ( B ), 1681e ( b ), 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692g ( a ), 1692g ( b ), and 1692g ( c ), constitutes passive harassment, coercion, and abuse with the intention of hurting my credit score and stifling my financial success.
Furthermore, Portfolio Recovery is violating FCRA Section 611 ( a ) by refusing to reinvestigate the accuracy of disputed information when requested by the consumer, Regulation V ( 12 CFR Part 1022 ) by failing to provide written verification and validation of debt within five days of their initial communication with the consumer, and industry guidelines established by organizations such as the Association of Credit and Collection Professionals ( ACA International ).
I request that the Consumer Financial Protection Bureau take appropriate action against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. I believe that Portfolio Recovery has failed to legally resolve my complaint and provide verification and validation of the alleged debt.
Thank you for your attention to this matter.
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| 08/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX in regards to a collection account listed on my current credit report and thus has been for the last 2-3 years. PRA, llc obtained this debt somehow unknown at the time from XXXX XXXX who is listed as the original creditor on the account. Upon noticing the collection back in XX/XX/XXXX, I contacted the company and the credit bureau to dispute the debt. Over the last 2.5 years, I have disputed this account maybe 5 times and each time the bureaus XXXX and XXXX stated it was verified. The account will show closed, then reappear on my report months later as a new collection account dropping my score each time. I requested validation of debt from portfolio recovery last year XX/XX/XXXXand was provided a few credit statements from when the account was open which in fact was approximately 3 months according to XXXX XXXX. I tried working backwards and contacted XXXX XXXX in XX/XX/XXXX, provided documentation requested and had the account deleted for Identity theft yet PRA, llc refuses to follow suit of the original creditor and delete for identity theft. The FCRA requires the debt be validated within 30 days and if they can not validate ( not verify ) debt, by LAW it must be removed.I recently disputed the debt again XX/XX/XXXX via XXXX and XXXX and once again it came back verified so today XX/XX/XXXXI called XXXX and spoke to XXXX XXXX and requested the documentation used to verify this account over and over be sent to me as required by law. XXXX, who in fact admitted on recorded line, stated that they have '' no documentation that is used to verify the account is mine, we go by what the creditor states '' I informed XXXX that XXXX was in fact in violation of the Fair Credit Reporting Act which states " disputed items can NOT appear on my credit report if they can not be supported by any evidence. '' A creditor simply stating the debt is in fact mine is not supporting evidence that will hold up in the court of law. My attempts to validate the debt from the 2nd creditor have been insufficient, and my attempt to verify from the bureaus have been insufficient and thus this debt is being inaccurately reporting to my credit report for years now illegally and I wish to have it moved ASAP! Upon contacting the original creditor, the debt was deleted a few years ago for Identity theft and by Law. Because a collection account is treated as a continuation of the original debt, it will be deleted at the same time as the original account ~per XXXX ; Original account was deleted in XX/XX/XXXX and I am seeking this continuation account be deleted as well
|
| 09/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
|
| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear XXXX XXXX XXXX, I am writing to file a complaint against Portfolio Recovery, a collection agency, for their alleged violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an account they claim I owe.
I have reason to believe that the account is inaccurate, and that Portfolio Recovery has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Portfolio Recovery has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Portfolio Recovery has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit score and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ).
According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Portfolio Recovery has failed to do so.
I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Portfolio Recovery accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 03/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates , LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. It is in my belief that Portfolio Recovery Associates , LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 12/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX and the collection agencies listed below.
I've sent letters to both XXXX and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.
I'm trying to by a house for my family, i'm only XXXX yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX say they are accurate?
I specifically asked XXXX and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.
XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.
I would like for XXXX to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.
I think XXXX makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.
Please have XXXX remove these 3 negative events, they are really hurting my life regardless of how hard I work.
Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report.
( NEGATIVE EVENTS - COLLECTIONS ) XXXX XXXX Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX PORTFOLIO RECOV ASSOC Account number XXXX Please remove these negative events immediately!
XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
|
| 09/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report.
Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ).
Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates.
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON.
Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option.
Thanks in advance for your attention to this matter.
XXXX XXXX US Citizen All rights reserved
|
| 08/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery is illegally calling me and sending me fraudulent paperwork regarding an invalid debt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is XXXX XXXX and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt. They are also breaking laws and calling and harassing me several times a week even though I clearly told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing XXXX XXXX and I suffer from XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX Portfolio Recovery Assoc . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , TX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX PRA, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) PRA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , IL XXXX/XXXX/XXXX ( Thursday ) PRA using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX PRA using man 's number ( XXXX ) XXXX XX/XX/XXXX ( Friday ) PRA ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by Portfolio Recovery Associates, LLC regarding this invalid debt via phone or mail. Thank you for your help.
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices.
PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit
le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA
LLC to provide FULL DISCLOSURE OF YOUR PROCESS.
I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft.
I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.
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| 02/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
Regarding two accounts on my credit bureau reports from one reporting entity : The entity reporting is Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.
Account # 1 involves a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1800.00}. This account was settled on XX/XX/XXXX for {$1000.00}. Since then I have been making regular monthly payments. My current balance is {$280.00}, with another payment of {$95.00} due on XX/XX/XXXX.
Account # 2 is also a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1500.00}. This account was also settled on XX/XX/XXXX for {$870.00}. Since then I have also been making regular monthly payments to Portfolio Recovery Associates on that account. My remaining balance is {$740.00}, with another payment due to that account on XX/XX/XXXX.
I have contacted Portfolio Recovery Associates three times in the past year. Each time I was told that there was nothing " inappropriate '' about the company 's reporting. During our last conversation this past XXXX, I pointed out that my debts were " purchased '' in XX/XX/XXXX ; and reminded the representative of the settlements reached in XX/XX/XXXX. But when I asked why the company started erroneously reporting what I owed more than three months after those settlement agreements, I was rudely informed that if I " had a problem with the company 's reporting '' that I " could always hire legal counsel ''. With all due respect, I found that offensive.
Since then I wrote to all three national credit bureaus with a dispute. Each one replied that my dispute " Meets FCRA Requirements '' ; after which my credit scores rose dramatically. Within days, however, my scores dropped back to their previous levels. Each of the three credit bureaus changed my status from " Meets FCRA Requirements '' to " Dispute Resolved, Consumer Disagrees '' ; even though, however, there was no follow-up between me and any of the three credit bureaus.
As a frontline healthcare worker, I had my full-time status changed last XXXX to " per diem ''. In XXXX of last year, my employment status was elevated to " part time ''. Despite my changes of income status, however, my monthly payments to both of the above accounts has consistently remained on time. Account # 1 will be paid in full as agreed on XX/XX/XXXX. Account # 2 will be paid in full by the end of this year as agreed. I therefore feel inappropriately targeted for debts that I am settling as agreed.
Thank you in advance for your understanding. I await your determination and reply.
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| 04/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX.
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX balance and the account is resolved.
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else.
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold.
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything.
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.
|
| 12/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I am writing with regard to a collections account I have with Portfolio Recovery Associates. They are based in XXXX, VA. The alleged debt is from a XXXX XXXX account that was opened XX/XX/XXXX and charged off XX/XX/XXXX. I have no recollection of ever having a XXXX XXXX card. I have sent several letters and three letters certified mail requesting verification from PRA and have only received one communication containing some statement copies and the charge off notice from XXXX XXXX. They have not provided any record of the account opening or an original agreement with XXXX XXXX. I never received any initial communication from them and only learned of this account when I got my yearly credit report. Furthermore, the address shown on the XXXX XXXX documents is one I have never lived at. My correct address has been on record with the Massachusetts Registry of Motor Vehicles since XXXX. I have disputed the incorrect address with the credit bureaus and it has been removed as inaccurate. I have tried disputing this account directly with the credit bureaus but they allege it is accurate. I'm unsure how they can confirm the address is inaccurate yet confirm an account that has that address listed as mine. Also on XX/XX/XXXX, this account was completely removed from my credit reports. It then reappeared around XX/XX/XXXX causing my score to plummet sixty points. In addition to that, it was listed as closed on my XXXX report but open on XXXX and XXXX. As of XX/XX/XXXX is shown as open on all three. I have not received any written communication from XXXX, XXXX, XXXX or PRA informing me the account had been put back on my reports. This is the only negative mark on my credit report and all my other accounts are current with a perfect payment history.
I am also receiving XXXX for XXXX XXXX and XXXX, as well as medical issues including a XXXX XXXX. This has been causing me a lot of XXXX. I have recently moved and will be starting college again in XXXX after a two-year absence due to the above XXXX and XXXX health issues. I would like to have this resolved so I can move on and better direct my efforts on improving my health and education. I was hoping I'd be able to handle this matter myself, and have been trying since XXXX of XXXX but to no end. If needed I can provide copies of the documents PRA sent, the delivery confirmation and copies of the three certified letters, a verification of XXXX income, and enrollment in school. I hope you may be of assistance in resolving this. I am submitting a complaint with the Massachusetts Attorney General 's Office as well. Thank you.
Most sincerely, XXXX XXXX XXXX
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| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi and how are you? Listen, I've disputed this account before with XXXX XXXX XXXX and they removed it base on the errors and violations and that i don't owed the debt. How did you get this? Because, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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|
Web |
Servicemember |
|
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.
|
| 10/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Portfolio Recovery Associates LLC is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner.
Portfolio Recovery Associates LLC are debt collectors demanding a debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have not received any goods or services from Portfolio Recovery Associates LLC and I do not know how Portfolio Recovery Associates LLC received my private information.
Portfolio Recovery Associates LLC previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to Portfolio Recovery Associates LLCs failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from Portfolio Recovery Associates LLC. I am being harassed.
As of XX/XX/2022, Portfolio Recovery Associates LLC will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. Portfolio Recovery Associates LLC is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Portfolio Recovery Associates LLC. , on behalf of another company at the expense of my private information being on display to whomever.
I am not a party to any agreements that Portfolio Recovery Associates LLC may or may not have with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for Portfolio Recovery Associates LLCs purchase / transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Portfolio Recovery Associates LLC XXXX
I have contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Portfolio Recovery Associates LLC. At this time, I demand no further contact from any associate or authorized representative of Portfolio Recovery Associates LLC.
My credit files are not to be reported to or damaged in regards to this matter as Portfolio Recovery Associates LLC., are not Holders In Due Course with contractual agreements to support goods or services provided to me.
All calls are recorded for my safety Please be advised that Portfolio Recovery Associates LLC., are not Holders in Due Course. Please Cease and Desist.
I have included all proof in the attachments.
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| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection.
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation.
One account reporting in collections is from Portfolio Recovery Associates, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under Portfolio Recovery Associates has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both Portfolio Recovery Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against Portfolio Recovery Associates and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS.
I welcome any help that the CFPB can lend.
|
| 10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I asked all 3 credit bureaus to perform an investigation into Portfolio Recovery 's negative reporting on my credit bureaus in XX/XX/XXXX. I was asking for validation of debt. On XX/XX/XXXX, I received a letter from Portfolio Recovery, which they claimed to validate the debt. There are many inconsistencies involved with Portfolio Recovery 's response. Portfolio Recovery claims that I owe {$550.00}, but they sent a statement with a balance of {$620.00} from XX/XX/XXXX. They also sent a " letter '' from XXXX XXXX, dated XX/XX/XXXX, saying the " debt '' was sold Portfolio Recovery on XX/XX/XXXX, however if you reference their response to my request for validation, Portfolio Recovery says this occurred on XX/XX/XXXX. Portfolio Recovery is reporting multiple dates, which differ from each other. I asked for a signed contract, and all they could provide me is an " account statement '' from XXXX XXXX, which was electronically transmitted. There are several cases, which state electronic transmission is not enough to verify a debt. If you reference all 3 of my credit bureaus, there are zero negative items from XXXX XXXX reporting on it, so how could this " debt '' even exist? I have an account with XXXX XXXX that was opened this year, however nothing with those dates that Portfolio Recovery is claiming. The statement from Portfolio Recovery also lists the " original creditor '' as XXXX XXXX, and if you reference my credit reports, there has never been an account that was ever opened with XXXX XXXX. Portfolio Recovery says that my " account '' was opened on XX/XX/XXXX, however a simple XXXX search will show that XXXX XXXX purchased XXXX XXXX credit operations in XX/XX/XXXX, XXXX months before Portfolio Recovery is claiming, that I opened an account with XXXX XXXX. How did I open a credit account with XXXX XXXX in XX/XX/XXXX, when XXXX credit accounts no longer existed? The inaccuracies, and outright wrong information is reason enough to have Portfolio Recovery to delete all negative information on my credit bureaus. They failed to properly investigate my inquiry, and are not negatively effecting my credit. They assumed without properly researching information, and Portfolio Recovery is harming my ability to obtain credit. In summary, Portfolio Recovery failed to properly verify the " debt '', is claiming I opened an account with a creditor that was not even open, when they are stating I opened the " debt '', sent account statements with conflicting information, and is reporting negatively to my credit, while there is zero evidence on any of my credit bureaus that these " supposed accounts '' existed.
|
| 11/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the
Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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Dear Portfoli Recovery Associates, LLC I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter.
I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, XXXX XXXX. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation.
Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have.
Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved.
Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of XXXX XXXX. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt.
Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place.
I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction.
I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA.
Thank you for your understanding and cooperation.
|
| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
1. The debt collector stated below that they have not received nothing from me and then on another end the debt collector stated they sent me validation documents from a request I made. Which is it?
2. According to the data furnisher laws yes if a debt is due then the company has a right to collect on the debt however the company does not have the right to report after the statue of limitations.
3. On one part the debt collector stated the debt was {$300.00} around 5 years ago however they wanted over {$500.00} to settle the beyond statue of limitation debt.
4. Remember the words " subsequently, investigated ''.
Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account. PRA purchased the XXXX XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' XXXX XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$300.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. The expiration of a state statute of limitations on legal actions limits our ability to pursue legal remedies, but not our ability to collect on the account. We found we previously ceased all calls and other collection communications regarding the PRA account ending in XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which is similar to the dispute you made in this complaint. In response to that dispute, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent you a letter on or about XX/XX/XXXX, containing validating documentation from the original account. We believe that the validation provided resolves the dispute and no further steps in response to your complaint or follow-up actions are required at this time.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
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I have been battling with Portfolio for months now concerning SEVERAL inaccurate accounts that they are reporting to the Bureaus. I originally reached out to Portfolio via the bureaus XX/XX/XXXX about accounts : # XXXX XXXX, XXXX, XXXX and XXXX The Bureaus each responded that Portfolio verified the information. I then reached out directly to Portfolio. In my initial dispute, sent XX/XX/XXXX to Portfolio I notified them of each account listed above were an error, and to investigate these accounts because they should not be on my credit report. Portfolio did respond promptly I then asked for VALIDATION and the VERIFICATION PROCESS XX/XX/XXXX. According to the FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They didn't respond. I sent a reminder letter in XX/XX/XXXX still No response. The final letter I sent on XX/XX/XXXX which when portfolio responded they said my dispute was marked as " Frivolous '' and they would not " reinvestigate. '' The FCRA Section 611 Section ( a ). Details the procedure of the reinvestigation process. I am well with in my rights to request a reinvestigation especially when accounts are inaccurate. It has been over 100 days since I asked portfolio to reinvestigate and show me the physical verification in accordance to the FCRA Sec 609. This is way past the deadline that is mapped out by the law in the FCRA, outwardly violates my rights under the FCRA section 611, DISREGARD Section 609, and blatantly ignored the FCRA completely.. As a consumer I have the right to dispute inaccurate information on my credit report. I also have the right to a credit report that is 100 % accurate. Being that Portfolio has not sent me any documentation in accordance to FCRA 609 ( a ) ( 1 ) ( A ) I believe it is because they can not verify these inaccurate accounts. All of these accounts are unverifiable and inaccurate and should NOT be on my credit report. Portfolio has no documentation legally binding me to these accounts. They don't have my SSN on these accounts, they don't have any signature of mine on an agreement for these accounts, they don't have any government ID of mine related to these accounts, they don't have anything verifying that this account belongs to me. I have tried to be patient with them and handle this to the best of my ability. As of now I am making a last attempt to try to give portfolio the opportunity to do the right thing and remove all of these inaccurate accounts from my credit profile. IMMEDIATLEY!
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give XXXX XXXX the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with XXXX XXXX or any of their affiliates. I contacted XXXX XXXX multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX AM at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both XXXX XXXX and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from XXXX XXXX. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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COMPANY INFORMATION : PORTFOLIO RECOVERY ASSOCIATES INC INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : XXXX XXXX XXXX XXXX : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report PORTFOLIO RECOVERY ASSOCIATES INC the debt collector and XXXX XXXX the original creditor.
I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report XXXX
o Original creditor XXXX XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00}.
Charged {$480.00} more than the previous balance from original creditor XXXX XXXX o Invalid date of delinquency statements sent by PORTFOLIO RECOVERY only shown late payments/interests accruing not first delinquency.
o XXXX XXXX XXXX account sold to PORTFOLIO RECOVERY account opened XXXX XXXX XXXX XXXX XXXX XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XXXX XXXX XXXX XXXX XXXX revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that Washington XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all 267 stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
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| 11/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXXDebt Validation letter mailed to Portfolio Recovery Associates , LLC requesting original signed contract from the original creditor, verification indicating a valid basis on their claim. Proof of of their debt assignment, and whether debt is within the statue of limitations. After receiving a statement from them and a copy of letter they were to have mailed out in XX/XX/XXXX ( Which no letter was ever by them w/ their dates listed. ( I did not hear anything back from the company w/ in the XXXX day allotted time ).
XXXX Sent an addt'l letter to the company indicating since they did not supply the requested items from the letter back in XXXX they had to by law remove the erroneous report off all my credit reports. Also, on the same date I reached out to XXXX to request this to be removed since the company did not supply any records to me at the allotted time of XXXX days. Yet received a statement from the company dated XX/XX/XXXX, telling me I had to pay them money for an account I already disputed wasn't mine and I was never sent anything from them.
XXXX Sent an addt'l letter to the company requesting proof of debt and again the original signed contract agreement w/ my actual signature.
-No communication from the company for months, yet received notification that a mark was placed on my account by the company indicating " consumer disputes and has no knowledge of debt ''.
XXXXReceived notification from mortgage lender that same company is reporting this same erroneous debt twice ( doubling the amount they are trying to collect ) on XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX.
XXXX Sent an addt'l debt validation letter to the company certified disputing the charges, and request original signed authorization of my signature and request for them to stop collection charges and reporting erroneous charges as this is damaging my credit.
XXXXReceived notification from post office in VA the company refused ( after checking if company received my mail ) to sign for my certified mail, and I had until XX/XX/XXXX to have it redelivered. I went back into my local post office to inform them of this and the manger sent an email to the manager at the post office in VA to let them know they needed to redeliver the mail by law and obtain a signature.
XXXXReceived mail from the company, w/ statements of the use of card opened in my name illegally. This company still failed to provide me an original signed contract w/ my signature and no photocopies of this original contract. They still have failed to comply w/ the requested items on the debt validation letter and send me a statement.
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| 10/04/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a summons/lawsuit letter on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates. I requested validation of debt/section 609 of the FCRA requires that Portfolio Recovery Associates provide me with a contract bearing my signature and to please forward me all signed documentation on this account and verifiable proof of this account belonging to me. I also requested itemization of this account. ( see CFPB complaint : XXXX ) Specifically, Portfolio failed to produce full verification/validation of a debt- at my request, which IS an FDCPA violation. 1. The original creditor XXXX has responded ( on XX/XX/22 ) this complaint does not belong to them. 2. Failed to produce : Original contract bearing my personal signature/verifiable proof that this account belongs to me. Failed to produce : Itemization of the amount and age of the debt as requested. including : If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate IS in violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. ( which, I am allowed under the FDCPA ). First notice from Portfolio received XX/XX/22 in the form of a summons letter. This inaccurate information must be deleted from my credit file immediately. Contact the credit agencies you have reported it to and remove this information from my credit profile. Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided.
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.
This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
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| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was at work and I received a phone call from an unknown caller. I answered my work phone and was quickly greeted by a man on the line, the only thing he said to me was? " XXXX ''? I said " yes ''? and he hung up on me. Everything I have read about debt buyers, states if they call you they have to reveal who they are, where they work and why they are calling. This person did none of those things.
About a week later I receive a collection letter in the mail from Portfolio Recovery alleging I own them on an old defaulted credit card that was over XXXX XXXX XXXX. I quickly wrote them a letter requesting verification on this alleged debt as well as a request to NOT contact by telephone nor at my place of employment that I wanted all conversations in writing.
XXXX days later after I sent my request to Portfolio Recovery, I received a new letter from them stating they had purchased this debt and saying " it is your account '' with photocopies of what looked like statements, but they had Portfolios name at the top as the creditor, and the account number on the photocopied statement did not have any account number that I have on ANY of my credit cards. At this point I got onto the credit reporting agencies to get my free credit reports, and I look them over and actually what used to be a defaulted credit card for XXXX now had Portfolio Recovery name showing they are the creditor and the defaulted date had been changed to the current date???!?!??! I did not think that could reset a default date to make it look as if it had just be defaulted on??? I had not made any payments on that account in over 5 years and now it sits at current date. I contacted the credit reporting agencies and filed a dispute in which in 30 days Portfolio sent again photocopies of statements to me and let the credit agencies still report it as a new debt and would not change my credit report back. For a few months I went around and around with this debt buyer and one day I receive a knock on my door and it was court server serving me with court from their attorney out of state. They were so late serving me those documents I only had 10 days to respond, with the documents 12 days late. I didnt even have to get paperwork filed or help on this and it defaulted. Portfolio then garnished my wages through the sheriffs office for over XXXX per month. I sent the sheriff a income and expense report and he cut the payments off. So in the end, I just sold my home this past XXXX and they paid the payment in full from my proceeds from my home. This company are schisters, dishonest scammers and should not be in business!!
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| 02/28/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Two issues : 1 ) Harrassment after being told to never call my number and add my number to their company do not call list. They've been calling daily or weekly for months.
2 ) I recived a debt collection notice that included NO debt collection required information, purportedly from " XXXX '', but it appears likely that this is in fact from Portfolio Recovery and not actually related to XXXX at all. Especially since it includes " sale of this account to a third party '' and " do not send payments or correspondence to the above address ''.
The problem when it happened : I ordered new SIMs for new cell phones online. The system would not allow me to order one for one of the devices, so I called in to add that device. The company could not find the order I had placed online and said it didn't exist. So they opened a new order and added all the devices ( including the one the online system couldn't handle '' ).
When the order arrived, both sets of sims arrived. I called to activate and discussed the double order, they said to just keep them since they are free anyway and I could otherwise ignore them unless I some day needed extra sims. The SIMs I ordered on the phone worked fine, I used the account for over two years, no problems. But ...
Then I got a collection notice several weeks later for the unused SIMs. No " invoice ''. No " overdue notice ''. Just straight to collections. I called in and XXXX cancelled the account ( this took OVER two hours! Recorded! ). Unfortunately, the account rep on the phone didn't XXXX the balance before terminating the account due to a technicality related to a non-existent PIN number ( since there was no account ... no PIN ). I have a recording of this conversation from XX/XX/17, it lasted two hours and involved many bounces, people, and apologies. At the end of the two hour call, he said he'd fix the problem and call me back. But never did. It was never fixed. And I don't have another two hours to invest in NOT getting it fixed again.
Now it's in collections and Portfolio Recovery refuses to stop calling me. They have called me dozens of times, often with fake caller IDs. They often hang up without talking on fake caller IDs and then call back from a new 800 # ( because I've blocked the previous one ) later and again ignore my " never call this number again, remove me from your calling lists, add me to your do not call list or I will sue you '' statement and just call back either later that day or in a few days from yet another fake number followed by another 800 #.
Unfortunately I can not upload the audio recording since it's 258M.
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| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report.
XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/2020.
Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account.
I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report.
I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX.
Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX XXXX account are on in the same. Thank you.
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| 12/12/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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As of today 's date : Portfolio claims to own this XXXX XXXX account.
As of today 's date : XXXX XXXX claims to own this XXXX XXXX account.
The only way to determine which collection agency actually owns this account is with a valid bill of sale from XXXX XXXX stating exactly which agency they sold this account to.
Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years.
I have learned the hard way the importance of a valid bill of sale.
Upon my requests for a VALID BILL OF SALE : XXXX XXXX removed this account from my credit files XXXX XXXX removed this account from my credit files and ... Portfolio Associates unscrupulously provided the credit bureaus with falsified information, a very serious FCRA violation.
Portfolio intentionally re-aged this account and increased the actual balance owed as an intimidation tactic to force me into paying this account. Initially Portfolio used XXXX XXXX 's name as the collection agency versus their own.
I state intentionally because, written documents provided to me directly from Portfolio, as well as verbal communications, prove Portfolio has full knowledge of the " true '' account facts : the account open date, date of first delinquency, and account balance.
On XXXX XXXX, 2015 I was verbally told by a supervisor, who insisted on reminding me that she has been doing her job for 7 years now : " I am sure we have a bill of sale somewhere. '' When I asked for her to please mail me a copy - she simply proceeded with her " collection dialogues. '' Any individual working in the collection industry for " 7 years now '' should know how vital a bill of sale is to proving to a consumer their company is the legitimate owner of any account.
Upon my request to have the credit bureaus verify this information, Portfolio again provided each with the same deceitful information.
I have tried to pay the actual balance ( according to Portfolio 's records ) in exchange for the deletion of this account from my credit files. They refused my offer.
My last XXXX requests, 1. for a valid bill of sale, and 2. to correct the falsely reported information on my credit files, have been met with " we have already investigated this account. '' Portfolio Associates actions are nothing shy of criminal, and the FTC should investigate and hold them accountable. I have no doubt re-aging debts and parking unverifiable debts on a consumers credit report is common practice for Portfolio.
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| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint involves Portfolio Recovery Associates, LLC, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my XXXX credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ).
Portfolio Recovery Associates, LLC is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. Portfolio Recovery Associates, LLC is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables.
On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that Portfolio Recovery Associates had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my XXXX credit report. I included an attachment of my XX/XX/XXXX XXXX credit report verifying my claims.
On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with Portfolio Recovery Associates, responded to my complaint. XXXX claimed, PRA has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ...
She goes on to write, PRA does not control the way consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA.
This is a lie.
On XX/XX/XXXX, I spoke with several XXXX representatives who confirmed that XXXX DOES NOT modify, change, amend, or alter any information furnished by a creditor.
The same day, I submitted a rebuttal to XXXX fabricated XXXX XXXX XXXX statements, providing additional evidence that my XX/XX/XXXX XXXX credit report still showed Portfolio Recovery Associates reporting itself as a Factoring Company.
Tellingly, on XX/XX/XXXX, Portfolio Recovery Associates began reporting as a Debt Buyer under the Account Type of my XXXX credit report. I confirmed with XXXX on XX/XX/XXXX that this change in reporting was instituted by Portfolio Recovery Associates, not XXXX.
It is clearly evident that both XXXX and Portfolio Credit Associates are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable.
I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving Portfolio Recovery Associates was reporting as a Factoring Company to XXXX in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how Portfolio Recovery Associates began reporting as a Debt Buyer on XX/XX/XXXX.
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| 10/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that XXXX sent to my attention prior to 2022 was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts at XXXX XXXX XXXX, XXXX XXXX KY XXXX. The records that XXXX has purchased do not reflect a contract to pay signed by me, the contracts to pay were only signed by the identity thieves who stole my identity to open said accounts that are now owned by Portfolio Recovery Associates using my social security number XXXX. A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. On XX/XX/2022 Portfolio Recovery Associates provided me information to relay to them that I am a victim of identity theft. I emailed XXXX a copy of a FTC Identity Theft Report on XX/XX/2022.
The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making many credit inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. On XX/XX/2022 I have again disputed the inquiries via CFPB and directly to Portfolio Recovery Associates via email at XXXX and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
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| 01/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On or about XX/XX/2019 I was contacted by Portfolio Recovery Services with regards to a collections account. After speaking with them for several minutes I agreed to pay off the settled upon amount of {$400.00} dollars or so. I agreed to make MONTHLY payments of {$65.00} f or six months. I was told there would be a bill mailed to me and I waited for that.
Upon receiving the first statement I mailed a check for {$50.00} which was the incorrect amount. I do not know why this happened but I do take responsibility for that mistake. From there on I have continued to make payments in the amount of {$65.00} each month. The phone calls began immediately after the first payment was submitted and cashed and have not stopped even though I have requested that they terminate any contact with me. The calls are relentless, they come in on " ghost '' numbers, are continuous even on weekends and they have also contacted my place of employment. That is where I draw the line. My employer has nothing to do with my credit history and even after I made it very clear they were not to call my place of employment they still did. Their contention is that I agreed to make weekly payments and not monthly which is not what I agreed to. I asked them why I would agree to make payments every week instead of paying it off in one lump sum? It offers very little to no advantage to stretch payments out weekly. At that time I felt comfortable making monthly payments and so I continued to do so, on time, every month.
I spoke to their representative again about 2 months ago and I thought we were again in agreement. Apparently they do not honor their commitments or have a comprehension issue. I asked them to stop calling me and to send me statements so I can finalize this debt. The calls continue and the statements if they arrive are erratic.
I have one more payment to make which I am going to withhold because as they threatened in some of the phone calls they marked a late payment on my account even though that was not the case. I was specifically told in the beginning that even though they could not sue me due to the amount of time that had passed they could submit negative information to the credit bureaus, which they subsequently have done.
There is no reason for this to have occured, because as you can see from the checks I have attached payments were made every month without fail. Yet the phone calls persist and the negative information is on my credit file which I am disputing. I am also going to be initiating legal action for harassment and seeking restitution with the help of my attorney.
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| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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On XX/XX/XXXX when XXXX Bank received notification ( from XXXX ) that I had finally been able to afford to pay off two XXXX XXXX accounts ( sold to Portfolio Recovery ), XXXX took advantage of the notification from XXXX that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX accounts sold to Portfolio Recovery, XXXX chose in less than 48 hours of receiving XXXX delete request and proof both accounts were paid, XXXX knowingly and intentionally seized the opportunity to incorrectly report back to XXXX " charge off '' status to XXXX. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX contacted XXXX and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX reported back to XXXX, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX about the response and change of status to charge off, XXXX phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to Portfolio Recovery that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX engages in predatory practices and that is why there are over 1,000 complaints with XXXX. I also recognize that because XXXX has proof that the debt is paid ( to Portfolio Recovery ) and they subsequently removed Portfolio Recovery from my credit, they too could of simply removed-deleted the original XXXX XXXX negative strikes, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to Portfolio Recovery
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| 05/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX XXXX {$2900.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined.
Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature.
Sincerely, XXXX XXXX XXXX
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| 06/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974.
I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif
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| 10/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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IN RESPONSE TO CFPB : XXXX PRA ACCOUNT ENDING IN XXXX OR ANY ACCOUNT ASSOCIATED WITH MY SOCIAL Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with th
e Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Credit or 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations,
associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
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| 05/09/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enab
lement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
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| 05/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX XXXX {$430.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined.
Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature.
Sincerely, XXXX XXXX XXXX
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| 08/15/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates continues to collect on a debt which was paid prior to PRA claiming ownership of the debt. Debt was paid to an assigned debt collector of XXXX XXXX called XXXX XXXX.
On the week of XXXX XXXX, 2016 I called Portfolio Recovery Associates to discuss its appearance on my credit report of XXXX alleged debts with account numbers XXXX and XXXX that lack the correct date of first delinquency and are erroneous.
I spoke with XXXX people that day concerning the accounts. I notified PRA that I did not receive a dunning notice, that the account had already been paid with an assigned debt collector of XXXX XXXX, and told them I had confirmed the payment was processed and received by XXXX XXXX for the two payments of {$2300.00} and {$470.00}.
During one of the conversations the Customer Service Representative asked me if I have ever lived in XXXX. To which I told her no I have never lived in XXXX, AL. The rep told me the address was associated to me. I confirmed to her that I have never lived there. Almost immediately thereafter, I received an alert that a new address was added to my credit report and a hard inquiry from PRA was preformed.
PRA stated to me that they do not have records of payments made after the account was closed by XXXX XXXX and that I would have to figure it out. I was told on XXXX XXXX by a Customer Service Rep in the disputes Department that in fact they made a mistake on the address and that it was from an old account in their system ( which is out of SOL for reporting and collecting purposes ) and was still submitted to the major CRA even though it was from an uncollectable account. This kind of activity ( reporting information related to an uncollectable and out of statute debt ) seems like it is against my protections as a consumer.
Portfolio Recovery told me that even though they do n't have access to the information about my payments for the XXXX alleged debts that I should " pay now so that when/if the issue is resolved I could possibly get a refund '' and avoid any " legal '' issues.
I asked Portfolio Recovery again on XXXX/XXXX/2016 to immediately remove the erroneous address. I told them I wanted it removed just as fast as the submitted it. Yet they stated that was not possible to remove the same day that it may take up to 60 days to correct even though they were able to add same-day. I found out through XXXX that they can request immediate corrections.
I was also not provided the physical address to mail correspondence from their receptionist without providing my full social security number.
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| 09/05/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX.
XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I have sent them numerous letters asking for proof of debt and they have yet to provide me anything with my signature. I have never done any business with this company and they are reporting on my credit report a collection account.
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| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that PRS sent to my attention was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts. Those records do not reflect a contract to pay signed by me the contract to pay were only signed by the identity thieves who stole my identity to open said accounts owned by Portfolio Recovery Associates using my social security number XXXX.
A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority.
FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. Portfolio Recovery Associates has no record of my request or or dispute being received in relation to their initial notification letters because I NEVER received initial notification letters because they were mailed to the identity thieves who fraudulently signed contracts to pay using my social security number XXXX. The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making monthly inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report.
The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report.
Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA.
On XX/XX/22 I have again disputed the inquiries via CFPB and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud.
Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
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| 10/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi, This company Portfolio Recovery continues to report to all 3 credit bureaus that I owe a debt that does not belong to me.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They continue to send me letters stating that they verified these debts as being accurate and that again is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they continue to send me letters stating they received electronic files from the company 's of these debts that they have bought. again they have sent me a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Again Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, 2. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX County that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately. I have sent this information before, the FTC did not show all three of these accounts on the documents that were sent prior, I have went back and had them send me a updated file so that this company can see all of the accounts that are fraudulent with your company, you have agreed to remove one, but these 2 still remain. Again you claim you verified all this information is me and that is my SSN that was provided when an account was opened, this information is fraudulent, I am working with Law enforcement, and the Federal Trade commission to clear these things which show under my name because I am a Identity theft victim and I want these items removed immediately. Attached your will find my Federal Trade Commission report # XXXX and again my case number filed with the Police Department under Identity Theft is XXXX
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| 03/16/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Per my last complaint against PORTFOLIO RECOVERY ASSOCIATES LLC that was closed unresolved, I am a federally protected consumer currently being harassed by PORTFOLIO RECOVERY ASSOCIATES LLC. I have already sent off a cease and desist in addition to a debt validation request to which both have failed to be properly honored.
PORTFOLIO RECOVERY ASSOCIATES LLC has admitted to the CFPB that they purchased MY personal information ( which has a lawful copyright attached to it and held in a private trust ) from a company for the sole purpose of extorting me as a consumer and committing mail fraud. This is illegal and unlawful under federal law. Because of this, proper documentary evidence of the original contract between myself as a consumer and PORTFOLIO RECOVERY ASSOCIATES LLC can never be properly provided because it does not exist. ( Reference 18 U.S. Code Chapter 96 : XXXX XXXX AND CORRUPT ORGANIZATIONS ) If my consumer request to remove all defaming and negative remarks off of all of my personal consumer reports is denied, I will be seeking relief via litigation. A process which could lead to several hundred thousands of dollars for all damages as well as criminal penalties against the members of this corporation.
I will also be reporting this company to the Attorney General of Virginia to make them aware of their deceptive business practices.
I am a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continue its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1987 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages.
According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports.
I am reaching out to XXXX in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.
This letter is in response to your recent claim that Portfolio Account # : XXXX / PORTFOLIO RC Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named Portfolio and the other is called Portfolio RC.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
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| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt.
Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted.
Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
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| 09/01/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Subject : Notice of Dispute and Pre-Arbitration Demand To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account numbers XXXX and XXXX, which Portfolio Recovery Associates claims I owe, purportedly acquired from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. This dispute is grounded in the fact that by acquiring this debt, Portfolio Recovery Associates is now subject to the arbitration agreement delineated in the XXXX XXXX credit card agreement, which governs this matter.
As stipulated in the arbitration agreement, any disputes arising from this debt are to be resolved through arbitration. I am fully cognizant that the initiation of arbitration can result in substantial costs, and I am prepared to invoke this option should an amicable resolution not be achieved promptly.
I am aware that Portfolio Recovery Associates purchased this debt at a significantly reduced value. Given this context, I propose an opportunity for you to resolve this matter without resorting to arbitration. To facilitate an amicable resolution and circumvent the considerable arbitration costs that would be incurred, I present the following terms for your consideration : XXXX. Payment of {$5000.00} : In recognition of the emotional distress, anxiety, and financial hardship engendered by this situation, I request a payment of {$5000.00}. This sum is intended to compensate for the adversity I have endured due to this alleged debt.
2. Removal of Tradeline : Following the receipt of the aforementioned payment, I insist that Portfolio Recovery Associates expeditiously expunge and eliminate all detrimental trade lines associated with these account numbers from each credit reporting agency where they have been reported. This measure is imperative for reinstating my creditworthiness and mitigating further harm.
I believe these terms are just and equitable, taking into account the circumstances. I am amenable to discussing a potential resolution within these parameters. Nonetheless, please be apprised that if a mutual agreement is not reached within 14 days from the date of this letter, I will proceed with the initiation of arbitration, as prescribed by the terms of the XXXX XXXX credit card agreement.
I anticipate your adherence to the urgency and gravity of this matter. I await your written response within the stipulated time frame of 14 days from the date of this letter. To discuss this matter further, you can contact me via email at XXXX.
Thank you for your expeditious attention to this matter.
Sincerely, XXXX XXXX
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| 05/16/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX I was served with a complaint in the XXXX XXXX XXXX in the State of New Mexico from Plaintiff Portfolio Recover Associates claiming that I incurred a debt with XXXX XXXX and that Portfolio Recovery Associates were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything.
On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXX XXXX XXXX interaction, no XXXX XXXX interaction, no Portfolio Recovery interactions.
**I have a serious genetic condition and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX stating that THEY are collecting the debt for Portfolio Recovery Associates XXXX This is after Portfolio Recovery Associates filed a suit against me and their attorneys are listed as XXXX XXXX so who is on first, Portfolio or XXXX? At this point I am so confused as to what is happening.
On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is.
On XX/XX/XXXX I sent XXXX XXXX, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of Portfolio against me in the courts without telling me who they are or how they even know me. I have not received a response from them.
I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!
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| 08/29/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Multiple requests have been sent to this company as well as Identity Theft Report What I requested again and did NOT receive : Please send me copies of the documents that you have in your files as of date that disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them.
In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of verifiable proof within 30 days of receipt of this letter, you must remove these accounts from my credit report.
What I received : Statements mailed A default judgment The documents received from Portfolio Recovery for the account opened in my name included statements and a judgment rendered without my knowledge. The date of this court document is in XXXX of 2019. I did not live at the address on the statement during that time period. This case was opened without my knowledge and consent as well as the account. I take identity theft very seriously and ask that again after multiple requests the original contract be provided or delete from my credit immediately.
Attached : What was sent to me by Portfolio Recovery What I sent to XXXX Bank
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| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a federally protected consumer and you have violated my consumer protection laws by stating I owe you a debt and sending my personal information to the consumer reporting agencies.
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).
Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.
When I entered into the consumer credit transaction with you, I extendedly credit using my credit card XXXX social ). Everything was supposed to come out of my OPEN END CREDIT PLAN which is coming from my social security account.
Pursuant to 15 USC 1692a ( 4 ) Congress defines creditor as any person who offers or extends credit creating debt.
Due to the fact that I extended my credit to you using my credit card ( social ) I AM THE ORIGINAL CREDITOR! Not you. You are a debt collector. Congress used the word PERSON, not corporation. This immediately rules out the possibility of you being the ORIGINAL CREDITOR. Bankruptcy laws and other case laws through Supreme Court title 12 USC banks cant lend credit.
Pursuant to 15 USC 1692a ( e ) Congress defines person a natural person or organization Pursuant to 15 USC 1692a ( 6 ) Congress defines debt collector as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attend to collect, directly or indirectly Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.
I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
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| 05/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards
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| 01/04/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 05/22/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
Servicemember |
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I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me.
" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide.
XXXX. The answer was quite rude.
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with.
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact.
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations.
XXXX. These tactics are against the Fair Debt Collection Practices Act.
The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up.
I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above.
I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.
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| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to.
CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.
They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means.
61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
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| 09/12/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I got behind on a credit card account with XXXX XXXX and the account was transferred to Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC assinged the account to XXXX XXXX XXXX attorneys to file a law suit against me. I receive a letter dated XX/XX/19 giving me 15 days to complete a form to avoid garnishment or pay the debt. I received the form a few days prior to the deadline not 15 days prior. I completed the form and sent in a check with the dollar amount the calculations on the form said I needed to send in to avoid garnishment. I sent the check in priority mail that had to be signed for to have verification and proof of the attorneys office receiving the payment. XXXX XXXX XXXX left the payment sitting at the post office for almost a week so that the time to receive payment would expire and they could proceed with garnishing my wages. In XXXX my wages were garnished for the full amount of the collection being paidout in my two checks received that month. It is now the middle of XXXX and I am receiving calls and collection letters from Portfolio Recovery Associates, LLC. stating I still owe {$550.00}. The balance owed was updated on my credit report after they received the first payment from the garnishment but they have not made any other updates since the middle of XXXX. I filed a dispute with the credit reports through my credit monitoring service of XXXX XXXX the middle of XXXX to get the balance updated and that dispute has been reported as resolved and that I still owe another {$550.00} by the credit report contacting Portfolio Recovery Accociates, LLC. This account has been paid in full for almost 2 months now and they are still reporting on my credit as outstanding. I called Portfolio Recovery Associates, LLC on XX/XX/19 after receiving another letter stating I still owe them money. They said I still owe money and they can't talk to me because my account has been assigned from them to the office of XXXX XXXX, XXXX. I explained the issue to Portfolio Recovery and they don't care they are not willing to correct what they are reporting on my credit report. My wages were garnished for more than the amount I owed ( owed around {$970.00} and my wages were garnished for {$1200.00} ) and this was completed prior to the end of XXXX. I want them to be forced to correct what they are reporting to the credit bureaus and I want this attorneys office and the collection company both fined so that they stop doing this to people. This is false information, I paid the debt in full almost 2 months ago.
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| 11/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Portfolio Recovery Associates and it is showing on my credit report without my consent. I have no contract with Portfolio Recovery Associates and have given no consent for them to use my name, likeness, or credit data.
Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX, XXXX, and XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow.
Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C.
1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have 5 accounts with Portfolio Recovery. While filing a dispute with the Credit Reporting Agencies for 1 of these accounts ( # XXXX ), Portfolio Recovery inserted a " false dispute '' on ALL the other 4 accounts I have with them through the Credit Reporting Agencies. XXXX Documents uploaded ) The 4 accounts misreported as disputed are as follows : XXXX XXXX XXXX XXXX I have never disputed these 4 accounts with the Credit Reporting Agencies nor with Portfolio Recovery. I have had no communication with Portfolio Recovery regarding these 4 accounts. 1 of these 4 accounts ( XXXX - docket # XXXX ) is also involved in an active court process with a court date of XX/XX/2021. XXXX Documents uploaded XXXX. By placing the false dispute on this account, Portfolio Recovery may have compromised my character, my right to request documents for court, and chances of properly representing myself in court for this account. Portfolio Recovery only has a right to put a dispute remark on the " specific '' account a consumer disputes, not other accounts that have no connection with that dispute. Each account is treated separate. If this is happening to myself and to many other people by Portfolio Recovery, it could potentially be compromising many people 's credit report scores and rights under the FCRA without their knowledge. This was only brought to my attention by a 3rd party credit monitoring service. XXXX, XXXX and XXXX did not send me notifications these disputes were put on. The accounts listed on XXXX look as though they were " verified ''. XXXX and XXXX still say disputes in progress.
Not only has Portfolio Recovery violated the FCRA by knowingly and willingly filing false disputes, they have possibly compromised my character with the Credit Reporting Agencies for filing multiple frivolous disputes. I would never dispute accounts that may be reporting accurately and without providing supporting documents. This could possibly prevent me from filing a dispute on these accounts in the " future '' if necessary. I also can not file a " dispute '' on the " false disputes '' because it's saying I can't file a dispute while a " dispute is in process '. This violates my rights of being able to dispute information via the Credit Reporting agency first for a civil lawsuit for Portfolio Recovery if that were my intentions.
Having these frivolous dispute remarks on my credit report could also jeopardize my upcoming mortgage application and student loan application for my child. This has caused me great emotional and physical distress.
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| 06/09/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am receiving harassing letters in the mail from a company by the name of Portfolio Recovery Associates, LLC demanding that I pay them for a debt that is not mine. I have seen this company on all three credit reports ( XXXX , XXXX , and XXXX ) I have DISPUTED with the bureaus by sending certified letters to each one a sking the credit bureau and company asking for proof/valididty/andverification ; because I am not aware of EVER doing business with this company. I ha ve YET to get an y proof or signature or contract ; because there is no contract. I have disputed all of these accounts twice ; first attempt was XX/XX/XXXX , second attempt was XX/XX/XXXX After further research the second complaint I have is they will not validate the " debt ' they claim I owe to them. I did NOT sign a contract with this company and have never identified as such " debt '' with them. Next complaint, they are not licensed to collect in the state of Arkansas. The original company has been paid and my account has been closed with them. I have no relation ship with this company Portfolio Recovery Associates, LLC. Iv e never spoken with a representative and have neve r signed one singl e piece of paper or verified any information regarding my identity to them. As of XXXX I have sent out certified letters asking the company to cease and desist from contacting me or I will persue legal action ; as it is my right. This complaint with CFPB is my first step, and then legal action will follow. I have rights as a human being, a n American citizen and as a consum er and these companies are taking advantage of people whose debt does not belong to them and has already been paid. The company they claim they are on behalf of has told me I do not owe them a debt and the account is closed. Portfolio Recovery Associates, LLC h as done inquiries on my credit without asking me and without permission ; this is a VIOLATION of my privacy and personal information that I DID NOT give them access to. I have NEVER given this company my social security number or spoken with anyone giving permission to run the credit report this is FRAUD! I have copies of the following inquiries placed without my permission Dates are as follows : XXXX : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX .... XXXX : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ... XXXX : ill have to research but there is about XXXX on there as well. This company is illegally pursuing debt collection and it is not fair to the common people.
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| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear PRA ; ( PORTFOLIO RECOVERY XXXX {$380.00} - - - PORTFOLIO RECOVERY XXXX {$520.00} - - - ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!!
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.
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] 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.
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX-XXXX 2. XXXX/XXXX Account Number : XXXX Please remove it from my credit report.
3. XXXX Account Number : XXXX Please remove it from my credit report.
4. XXXX Account Number : XXXX Please remove it from my credit report.
5. XXXX/XXXX Account Number : XXXX Please remove it from my credit report.
6. XXXX/XXXX Account Number : XXXX Please remove it from my credit report.
7. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. PORTFOLIO RC Account Number : XXXX Please remove it from my credit report.
9. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. XXXX-XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX-XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX-XXXX 18. XXXX/XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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| 05/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are.
On XX/XX/2019, I wrote a 2nd letter to your office regarding debt collection letters I was being sent for an account that I have no knowledge of.
You were asked to submit to me the note, signed contract, application of the referenced account or something similar. Instead, I received a few pages of a credit card statement that simply had summary of totals with my name included. You further explained that you had purchased the credit card debt from XXXX XXXX XXXX after a charge off that had occurred in that letter response.
I reiterated to you, your company has not provided verifiable proof, as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), receipts of charges with my signature, contracts with my signatures, etc. - that the debt they say I owed is actual mine, other than printing a few statement pages. The account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges and the account itself is being disputed.
I do not agree that your company can simply use any documentation given from the creditor that sold you the credit card account to you ( at pennies on the dollar I am assuming ) and then turn around and use that limited information as your bases to file a lawsuit against me over state lines to collect whatever was stated on those papers.
I am under financial distress. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe because of a series of recent catastrophic events that have set me back.
I am currently the primary support person in my mothers XXXX care treatment. I was forced to reduce my hours at my day job and eventually had to quit altogether due to the number of absences I needed to take so I could take care of my mother. This catastrophic event impacted all our family members finances including mine since our mother was uninsured for medical XXXX care.
Additionally, I am paying for my own personal deteriorating health care and living expenses by seeking the help of others and selling personal property of mine for day to day survival needs - since I am currently unemployed.
As a result, I have not been able to save any extra money for a bankruptcy lawyer to help me file for bankruptcy protection ; however, I will continue to look for work to raise enough money to start a bankruptcy petition in mid-2019.
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| 08/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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DATE : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : XXXX XXXX. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to PORTFOLIO RECOVERY ASSOCIATES , LLC. You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list XXXX XXXX. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to XXXX XXXX. to sell, exchange or provide any information to third parties, including PORTFOLIO RECOVERY ASSOCIATES , LLC. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between XXXX XXXX, myself and PORTFOLIO RECOVERY ASSOCIATES , LLC authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to 15 USC 1681c-2.
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.
All rights reserved. UCC 1-308
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| 08/10/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX have never had an account with this company PORTFOLIO RC XXXX, XXXX and XXXX, REMOVE from all credit agencies from reporting.
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( XXXX ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXX am the consumer mentioneXXXX XXXX 15 U.S. code 1692a ( XXXX ) You are PORTFOLIO RECOVERY the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 12/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021 and XX/XX/2021 i filed complaints with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all XXXX of my credit reports which are XXXX, XXXX and XXXX that do not belong to me which appears to be balance of {$580.00}. I've never done business with PORTFOLIO RECOV ASSOC or owe money to this company or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC or to do business with them because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, XXXX or any personal information. PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from XXXX XXXXXXXX, PORTFOLIO RECOV ASSOC continue to refuse to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
PORTFOLIO RECOV ASSOC continues to refuse to provide the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor, the amount of the debt when they obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, they refuse to provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
PORTFOLIO RECOV ASSOC refuses to provide If there have been any other changes or adjustments since the last billing statement from the original creditor, and continues to refuse to provide full verification and documentation of the amount they're trying to collect. PORTFOLIO RECOV ASSOC refuse to Explain how that amount was calculated. In addition, will not explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
PORTFOLIO RECOV ASSOC refuse Tell me when the creditor claims this debt became due and when it became delinquent.
PORTFOLIO RECOV ASSOC refuses to Identify the date of the last payment made on this account.
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| 05/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months. I am writing to do an investigation against Portfolio Recovery Associates LLC, This company is harassing me these last three months, I have been called more than 7 times to collect a XXXX XXXX XXXX account # XXXX, that account does not appear in my register, my XXXX XXXX XXXX accounts are from XX/XX/XXXXand all were paid by Insurance against economic losses and unemployment " Credit Protection Plus and Credit Protection Deluxe ''. XXXX XXXX XXXX did not act in good faith. XXXX XXXX XXXX Account was paid for the insurance I had inside my card in case of unemployment or loss of income. The insurance paid the total money. The XXXX XXXX XXXX sold it without telling me anything and, in case they have sold it to another company without information of the sale, this debt is illegal, if not, without having a legal document, there is no legal or original contract between them and me. They tried all phone calls of possible illegal methods at all hours and on weekends. I am requesting " validation '' ; That is a competent test that bears my signature, which shows that I have a contractual obligation to pay " Original documents and my signature. '' Federal Trade Commission ( FTC ), Fair Debt Collection Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. And this case was attended by you but with another company. The reference is " CFPB # XXXX '', they are my accounts with the XXXX XXXX XXXX. And this case was won in federal court # XXXX, the United States District Court for the XXXX District of California, and in the XXXX XXXX v. XXXX. XXXX XXXX XXXX XXXX Case No : XXXX, for the same reason against XXXX XXXX XXXX XXXX. For all these violations of the law and the continuous harassment of my person I am requesting the maximum of the monetary demand allowed in these cases, Portfolio Recovery Associates LLC, continues to violate all regulations and laws in a blatant manner without respect to anyone, I ask that Exercise the law in your total Power, by all points. 1. ) Defamation 2. ) Negligent authorization of identity fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including, among others, Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( which includes but is not limited to Section 623-b ) 5. ) Violated the Telephone Consumer Protection Act Litigation ( " TCPA '' ).
Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. # XXXX
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| 05/17/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I put in a complaint with you about Portfolio Recovery Associates. I had asked for a list of supporting documents for validation purposes and all they sent back was several invoices and a 1 paragraph explanation.
CFPB, please help me. I want to know since the FCRA and the FCBA says I have a right to ask for these documents that I needed such as 1. Proof of original contract with my signature 2. Provide verification as to why you say I must pay this debt.
3. Please furnish the amounts and ages of each debt 4. Please send proof of all billing statements sent to me since you are claiming that I owe to the original creditor 5. State the amounts of debts when you obtained it and when that was 6. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amounts of each added amount.
7. Please provide proof of last billing statements sent to me since you are claiming that I owe these allege debts.
8. Please provide proof of any payments or other reductions since the last billing statement from the original creditor, I am requesting a full verification as well as documentation of the amount you are trying to collect. Please explain how that amounts were calculated. Also include an explanation on how the other changes/adjustments are expressly authorized by the agreement creating the debts or permitted by law.
9. Also furnish when the creditor claimed these debts became due and when it became delinquent 10. Provide proof of the dates of the last payments made on each account and by what method 11. Lastly provide proof of your license to collect in my state and send with that your license numbers and registered Agent or Agent of Service.
12. Proof of sale between Portfolio Recovery Associates and the company you purchased these allege debts from that has been notarized 13. The assignment clause from the original contract that I supposedly signed.
14. Please provide me with the account number used by the creditor and the amount owed to the creditor at the time this account was transferred 15. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to your company Portfolio Recovery Associates did not provide not 1 of these documents. And I want to know why and why is it okay for them to continue to report this unverified and invalidate account on my credit report. It's not right and something needs to be done about it now please.
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| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I would like to make a complaint on Portfolio Recovery Associates with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VaXXXX and an alleged balance of {$1600.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 ( c ) Re-aging the account. This account was placed for collection on XX/XX/XXXX. This account was closed by XXXX on in XX/XX/XXXX and sold with a BILL OF SALE and no WARRANTY. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years which Portfolio Recovery only had three ( 3 ) years from the date of XX/XX/XXXX because they only had three years to collect. I wrote them a letter dated XX/XX/XXXX and requested a verification of debt with the BILL OF SALE since they are the debt purchaser but they never provided the bill of sale and how much they paid for the charged off insurance profit/loss write off. I have even included a letter from them dated XX/XX/XXXX where at the bottom they state the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. There are also laws on how long they can report which they violated and they are the following : 1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}.
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX.
3. XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}.
4. XXXX XXXX also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}.
6. XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
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| 06/11/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Portfolio Rc Opened XX/XX/XXXX - {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 06/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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At this juncture i will like this report to be forwarded to the FTC against PORTFOLIO RECOVERY ASSOCIATES for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past, and again i check my credit reports today XX/XX/2020 and see they have AGAIN resisted andplaced this collection item back on my credit report after the removal It seems that PRA only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from PRA was DATED XX/XX/2020 and not even 3 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency.
I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( PRA ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages.
I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation.
2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to PORTFOLIO RECOVERY ASSOCIATES, LLC that grants PORTFOLIO RECOVERY ASSOCIATES, LLC the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally.
4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
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| 03/17/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in.
She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me.
I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
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| 03/29/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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Although Portfolio Recovery Associates , LLC has been forwarded a request via Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) and per the USPS tracking information : " Your item was picked up at a postal facility at XXXX XXXX on XX/XX/2023 in XXXX, VA XXXX. '' They continue to ignore the following letter : " XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX
XXXX, TN XXXX Portfolio Recovery Assoc. LLC.
XXXX XXXX XXXX.
XXXX, XXXX XXXX Mr./Ms. Collector and Portfolio Recovery.
I am writing in response to your constant phone calls!
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing communication : You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location!
In accordance with the federal FDCPA, now that you have received this " stop calling '' letter, you may only contact me to inform me that you : are terminating further collection efforts.
Intend to continue your collection practices and processes, in According to the Fair Debt Collection Practices Act.
intend to invoke a specified remedy.
Please update all appropriate records that you are no longer authorized to call or contact me by phone ( s ). Furthermore, I will only accept collection activity in written form. Again, please update your records regarding no telephone collection calls on my account. Thank you for your cooperation.
If you wish to further pursue collection activities, please forward Validation of Debt : copies of any original documents pertaining to original statements, accounts, letters, and any other original documents pertaining to the same. Also please provide proof that you are legally licensed and approved as a debt collector in the state of Tennessee.
Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805 ( b ) 2 of the FDCPA. Please advise any other collection agency, if that is how you received or learned of any accounts regarding me.
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me, I will pursue all available legal actions to stop you from harassing me.
Regards, XXXX XXXX XXXX "
|
| 07/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I am complaining about the company Portfolio Recovery Associates, LLC ; XXXX XXXX XXXX, XXXX, VA XXXX. Their parent company is PRA Group , INC., which is a for profit stock-based group which answers to shareholders. According to their Q1 XX/XX/XXXXEarnings Call, In the Americas, the cash collections in core and insolvency were {$340.00} XXXX, a new record for PRA. We broke the old record from Q2 of XXXX. Our cash results have been so strong that any of the past 5 quarters would have been a new record, if it was compared to any quarter prior to XXXX. In the U.S., cash collected per hour paid increased 24 % from the first quarter of XXXX, which sets a new Q1 record.
The reason I mention this is because it explains why I have been harassed by PRA for a debt that I do not owe them. PRA is obligated to their shareholders which means they need to do whatever means necessary in order to collect a debt. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. One of the accounts that I was enrolled with was XXXX XXXX, which was later purchased by PRA in XX/XX/XXXX. I was already enrolled with XXXX and PRA kept calling me. I kept telling them I was enrolled in XXXX. They did not listen and kept calling. In XX/XX/XXXX, PRA placed a collection on my credit report. I receive a monthly credit report with monitoring which is how I found out there was a change to my credit report. This XXXX account will be paid off in XX/XX/XXXX, but PRA waited until XX/XX/XXXX to place a collection on my credit report. First of all, it is not my fault they did not do their diligence by purchasing an account from XXXX that was enrolled with XXXX. Secondly, had I not have been in XXXX, why didnt they immediately place a collection on my credit report when they purchased my account from XXXX in XX/XX/XXXX? Why did they wait until XX/XX/XXXX when there was only five months of payments left? PRA is conducting nefarious business practices in order to appease their shareholders to maintain their increased YoY results.
I filed a XX/XX/XXXXcomplaint a couple months ago, but it has gone nowhere. PRA is obligated to its shareholders and will do anything possible to attempt to collect this debt, even if it means trying to destroy my credit by placing a collection on my credit report. I have provided the supporting documentation that shows the account numbers from XXXX and my XXXX account. I also provided the letter PRA provided me which showed me when they purchased my account from XXXX. I would appreciate your assistance with this matter.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Original Creditor : XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX that the debt is the result of identity theft. I Never opened a credit card with XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
|
| 11/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to Portfolio Recovery to ask for a debt validation for this debt that has shown on my credit report for years. I did not refuse to pay, I simply ask that this company could send me viable proof that I lawfully owe them anything related to this debt. I did hear back from the company on with a letter dated XX/XX/XXXX. They provided notice that verifies ( not VALIDATES ) the debt owed. I received a second notice, days later that included the statements from the " original '' creditor and a letter stating that this debt collector now owns the account ( debt ) that has been purchased from the original creditor, dated XX/XX/2016. First, the information that I received is insufficient and does not provide viable proof that I owe them a dime. There is no signed contract between myself and this company, there is no invoice... only a statement was included and there is no account information that proves to me that I am responsible or obligated to pay this debt. These false and misleading actions have place this company in violation of many US codes, in which I have attached. This account has been on my credit report for years. First, according to Title 15 US Code 1692, I am the original credit and this company has admitted to purchasing this debt, therefore, it is theirs, not mine. I never, ever signed an agreement to pay this company anything. This false information is a case of identity theft as this company is claiming to be something they are not... .the current creditor. This account has been on my credit report for YEARS and has ruined my credibility. These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a XXXX dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, ( officially picked up from the XXXX XXXX on XX/XX/2020 ) I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt. LETTERS AND TRACKING WILL BE ATTACHED. Also, in the companies prior response, the company stated that it sent me initial notification letters. THAT IS A LIE AS I HAVE NEVER RECEIVED AN INITIAL NOTIFICATION LETTER. Furthermore, YOU ARE REQUIRED TO SUPPLY THE CONTRACT. What else gives me any legal obligation to PAY YOU? A CONTRACT WITH MY SIGNATURE ON IT. Also, on the XXXX XXXX account, THAT ACCOUNT IS PAID IN FULL WITH THE ORIGINAL CREDITOR WITH NO HISTORY OF DEROGATORY STATUS *Proof will be attached*. ANOTHER THING, in your response to the previous complaint, you stated you ceased all communication and collection activity with me. My letter stated for you to CEASE ALL TELEPHONIC COMMUNICATION WITH ME AND COMMUNICATE WITH ME VIA LETTER MAIL AS WELL AS CEASE ALL COLLECTION ACTIVITY IF YOU CAN NOT VALIDATE THE DEBT. Is this your admittance that you can not validate the debt? To this day, this company has not legally validated this debt and still reports it to the credit bureaus. This company has not answered any of the questions in my letters. Billing statements are not a validation or proof of debt as anyone can create a billing statements. How do you have a billing statement from the XXXX Account and the account is paid in full? How do you have a XXXX XXXX account and that account ( original creditor ) is not on any my credit reports. Lastly, how do you own accounts that are allegedly mine if the Original Creditor CANT EVEN VERIFY THAT THOSE ACCOUNTS BELONG TO ME.
|
| 10/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Please refer to complaint # XXXX this is my response to the company because their representatives violated FDCPA and TCPA laws. Portfolio Recovery XXXX Associates contacted me many times during the month of XX/XX/2020. I advised numerous times for the company to quit calling and to communicate via US mail. They did not honor such request, and the representatives did not provide me with the address to send a cease and desist letter. The company states that they do not have record of the calls made to my phone number. The reason for this could be that I was called from a series of phone numbers, not just one phone number. The following are dates and phone numbers I that I was contacted by this company after advising that I did not want them to contact my cell phone, and to send information via US mail. I was told that they could not stop these calls until I verified who I am by giving them the last 4 of my Social Security Number ( which they provided XXXX, date of birth, address, and phone number. I was advised on XX/XX/2020, that the company would continue to call until they could verify who I am- this alone is harassment. This is blatant disregard for the law and harassing behavior from this company. This company contacted me each time with an auto dialer, which is a willful violation of the TCPA. On XX/XX/2020, the day that I filed my original complaint, I called the company and spoke to a woman who identified herself as an executive assistant. Once I advised the executive assistant that I was filing a complaint, the calls stopped, but why the harassment for over a month? This company has willingly and knowingly violated my rights under the TCPA and FDCPA and I am seeking compensation for emotional distress, harassment, calling with an auto dialer ( after being told not to ) not sending the information regarding the debt in the US mail, as I requested. I can also request a recordings of these calls because they will provide proof that I advised to contact me by US mail because I am not giving my personal information out to a complete stranger, but this company did, and you can tell if you listen to the phone calls, they provided the last 4 of my SSN and my address trying to confirm who I was. I should also mention that the representatives with this company never provided what business they were calling from, they always said their name and asked my name, last 4 of SSN, and address.
XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX
|
| 03/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Portfolio recovery associates is still reporting on my credit report, with representatives STILL CONTINUING to call OBNOXIOUSLY at ALL HOURS of the day, IM CONSTANTLY HUNG UP ON by RUDE AND DISRESPECTFUL representatives.
On XX/XX/2020, I sent them a DV, and they replied by asking me to fill out an " affidavit of identity theft ''. I never received it in the mail nor any paperwork they stated they mailed out to me. After the 30 day time frame for portfolio recovery associates to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports.
On XX/XX/2020, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information. She first lied to me that PRA never received my DV letter and then put me on hold for 10 minutes then to tell me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that PRA sent everything to me, and to deal with it myself and hung up.
On Friday, XX/XX/2020, another male supervisor, refused to provide his name, refused to provide any info over the phone but demanded I provide my bank information. I told him to provide me wikth details of the account and as to why the account hasnt been removed due to PRAs failure to properly respond to a DV letter in a 30 day frame. He hung up.
On Friday, XX/XX/2020, A male supervisor informed me of what his system showed on the account as : " This debt originated as a XXXX XXXX [ account number ]. The account was opened on [ date ]. the credit card was charged off on [ date ] at a balance of [ x dollars ]. The last payment received from you was on [ date ]. XXXX sold this debt on [ date ]. Portfolio Recovery Associates, LLC, on whose behalf we are authorized to collect this debt, is now the owner of this debt.
The male supervisor then raised his voice yelling at me that neither he nor PRA is required to validate any debt since they dont have the time and dont make commission and then hung up.
Due to FAILURE of validation the debt within 30 days given, the account is CONTINUING to appear on my credit reports WHILE still CONTINUING TO RECEIVE HARASSING CALLS, I DEMAND DELETION of this account IMMEDIATELY.
|
| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In response to CFPB complaint XXXX PORTFOLIO RECOVERY ASSOCIATES a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from XXXX XXXX XXXX XXXX which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Portfolio Recovery Associates has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Portfolio Recovery Associates has complied with none of this statute. The attached correspondence sent with their CFPB response from XXXX XXXX was a document from the original creditor that was sent to an address that does XXXX never belonged to me stating that the debt was sold to Portfolio Recovery Associates. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with XXXX XXXX XXXX. XXXX XXXX XXXX. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to PORTFOLIO RECOVERY ASSOCIATES or XXXX XXXX XXXX. Portfolio Recovery Associates was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. Portfolio Recovery associates continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Portfolio Recovery Associates debt claims are refuted.
|
| 05/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Accounts Portfolio Recovery Associates Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Portfolio Recovery Associates since XX/XX/XXXX regarding the accounts Portfolio Recovery Associates asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Portfolio Recovery Associates claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Portfolio Recovery Associates has asserted.
It is distressing to note that Portfolio Recovery Associates has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX requirements and the Truth in Lending Act ( TILA ).
On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Portfolio Recovery Associates claim I owe.
Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation.
As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX.
It is imperative that Portfolio Recovery Associates comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Portfolio Recovery Associates rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies.
I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.
|
| 09/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good Morning! - How are you during Covid-19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( PORTFOLIO XXXX balance for {$420.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
Attorneys XXXX, XXXX, and XXXX, in behalf of PORTFOLIO RECOVERY ASSOCIATES, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from a XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not. Since I had not been notified, I did not appear in my own defense, so thy won a judgment. ( XX/XX/XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not fin out about it until I applied for a property loan in XX/XX/XXXX. Part of the troublesome path I have been through is that PORTFOLIO and two law firms : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX who represented PORTFOLIO at various times stall and waste time blaming each other. I first filed this complaint against XXXX XXXX, XXXX XXXX XXXX because your question asks who notified me of this debt. They responded to you acknowledging my situation but said it was the fault of XXXX, XXXX, and XXXX. So I filed against XXXX, XXXX and XXXX. They responded to you acknowledging my situation but said it was the fault of PORTFOLIO RECOVERY ASSOCIATES. So I am now filing a complaint against PORTFOLIO.
I got a lawyerin XX/XX/XXXX, who won for me ( Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to purue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. I can't collect the judgement because the cost is prohibitive.
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived.
They filed a lien for {$7100.00}. The Court has awarded me {$1900.00} by order of XXXX County judge, XXXX XXXX. I have suffered other financial damages because of being denied a loan from my bank. I have suffered other damage because of the time and stress in trying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them It is all on hard copy because my computer blew and the electronic file went with it! The company ( at least their lawyers ) has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..
|
| 03/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello Portfolio Recovery Associates, and how are you?
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXXXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious XXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/11/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have sent 3 letters to Portfolio Recovery asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$2400.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. The information is also inaccurate by listing different " opening '' dates XX/XX/XXXX and XX/XX/XXXX on my report as well as the status of the account reporting as " open '' to one Bureau and " closed '' to another. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately.
On XX/XX/XXXX at XXXX Portfolio Recovery signed for my 1st letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information.
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.
FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
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| 03/14/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im filing this complaint against Portfolio Recovery Associates, LLC, because I have been disputing 2 negative items on my credit file since 2018. Portfolio Recovery Associates, LLC, is reporting I owe them for 2 accounts in the amount of {$840.00} and {$1100.00}. Ive been disputing the account in the amount of {$840.00} since XX/XX/2018 and {$1100.00} since XX/XX/2018, directly with Portfolio Recovery Associates, LLC, in addition to all 3 credit bureaus. In these disputes Ive consistently requested validation of these debts, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have consistently requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. As of today, I still have not received lawful evidence that this debt belongs to me. In its place, Portfolio Recovery Associates, LLC, has consistently sent me bills and letters from what appears to be the original creditor XXXX XXXX. Which, again is not lawful evidence that this debt belongs to me, and violates FCRA & FDCPA. As per FTC opinion letter a printout of a bill or itemized document does not constitute verification. In addition, to them sending me bills and letters from XXXX XXXX theyve sent me letters stating the accounts were sold, assigned, and transferred to them from XXXX, XXXX. Whom provided them with an electronic file of its business records concerning the accounts. With that being said there should be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these debts. Which, again they have failed to send me. These negative items on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery Associates, LLC for a debt I dont owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete these entries. These negative reportings are harming my credit file, and hurting me financially. As this has caused denial of credit, higher interest rates, higher insurance payments, all due to these items lowering my credit score. With this complaint Ive included some of my dispute letters and the letters Ive received from Portfolio Recovery Associates, LLC, along with what they consider validation of debt. Ive only included some of the most recent letters due to file size limitations.
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| 05/02/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I became ill in a few years ago and had to take off work. Eventually, I had to file for bankruptcy by XXXX XXXX. PRA Receivables Management , LLC aka " Portfolio Recovery Associates , LLC was XXXX of my creditors to file a claim for payment. This payment was for an automobile, XXXX Chrysler Pacifica. The scheduled amount of the vehicle was {$15000.00}. The collateral value was {$9000.00}. This amount was satisfied through the bankruptcy by XXXX XXXX, XXXX including the interest amount of {$530.00}. The total sum of {$9.00}, XXXX. Additionally, this company filed for an unsecured payment of {$7.00}. In which, I have paid {$2700.00} of the unsecured amount.
Last week, I decided to voluntarily dismiss my bankruptcy case and was advised to call the collection agency ( Portfolio Recovery Associates , LLC ) to request my vehicle title because the amount of collateral value for the vehicle had been satisfied. I spoke with XXXX young men. The XXXX person I spoke with was named XXXX and the XXXX person 's name was XXXX.
I asked if i could obtain my vehicle title ...? He stated that " if I decided to dismiss my bankruptcy case I would still have to pay the unsecured debt or they would come and repossess my vehicle without any warning. '' Furthermore, I explained to XXXX that the vehicle had been involved in an accident from some guys robbing a jewelry store and fleeing from the police. They had been caught, but had no means to repair my vehicle. I was not willing to charge the damage to my insurance company because it would cause my monthly insurance payments to increase. I also told him that the vehicle had been inoperable most of the time over the last four years. He stated that the value of the vehicle was not much due to the condition and other circumstances that involved the body of the automobile. Nevertheless, he was adamant about me paying more money although the vehicle was not worth what the company was asking me to continue paying. I explained that I was not satisfied with his explanation and wanted to escalate my call to his superior.
A man named XXXX came on the line and basically stated the same thing, but worded his remarks a little differently. Again, I expressed my lack of satisfaction in dealing this company trying to retrieve my vehicle title. I explained to XXXX that I did not think I would get any resolve by trying to directly communicate with management of this business and I was going to seek outside intervention to assist me in resolving my dilemma.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong PORTFOLIO RECOVERY this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) t o advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore, you have no jurisdiction or authority to collect on this alleged debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
volenti non fit injuria Volenti non fit injuria is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You PORTFOLIO RECOVERY knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
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| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received separate communications from Portfolio Recovery Associates , LLC, dated XX/XX/XXXX and XX/XX/XXXX, for attempts to collect an alleged debt. I have never given my consent nor do they possess the express permission of a court to communicate with me as a consumer. My rights as a Consumer have been violated in this and so many other ways by the unfair and unethical debt collection practices of Portfolio Recovery Associates , LLC.
I was not employed at the time of the initial communication, so it arrived during a particularly inconvenient time for myself and my family. Additional strain was added to an already stressful situation through the use of abusive and profane language, not to mention the false representations made throughout this communication.
The communication dated XX/XX/XXXX lists " account offers '', yet I have no account with this company. The balance is listed as {$2300.00} with 6 monthly payments of {$390.00} or 12 monthly payments of {$190.00} paying the full balance. However, there is a " savings plan '' using the following verbiage : 1 payment of {$1300.00} and save {$1000.00} ; pay {$220.00} for 6 consecutive months and save {$1000.00} ; pay {$110.00} for 12 consecutive months and save {$980.00}. The communication goes on to say they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX.
Portfolio Recovery Associates , LLC, willfully decided to violate my consumer rights AGAIN. The communication dated XX/XX/XXXX used different amounts in the " savings plan '' : 1 payment of {$1400.00} and save {$950.00} ; Pay {$240.00} for 6 consecutive months and save {$900.00} ; pay {$120.00} for 12 consecutive months and save {$850.00}. This version of the communication states they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX.
These communications clearly demonstrate the WILLFUL abusive, deceptive, predatory and unfair debt collection practices employed by Portfolio Recovery Associates , LLC. These practices have largely contributed to the instability of my marriage and family structure and definitely invaded my privacy whilst trying to stabilize them again.
I am eagerly anticipating the return of the Certified Mail Receipt from the Affidavit and Invoice sent to Portfolio Recovery Associates , LLC. It is simply mean, heartless and downright evil to willfully prey on people that are doing the best they can to keep themselves and their families above water. Shame on you!
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| 05/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was notified of the existence of this debt after submitting to a background/credit check for a new job. After contacting XXXX XXXX, I contacted Portfolio Recovery Associates who had apparently purchased the debt. I was not notified by mail, phone, email, or any other communication type by XXXX XXXX of the existence of this account prior to the debt being sold to Portfolio Recovery Associates ( PRA ).
On my third attempt to contact PRA, I was finally able to reach an associate who agreed to start the dispute process for me. After expressing concerns about the time-sensitive nature of my dispute, I was not given a timeframe or made aware the PRA would request further documentation from me, by mail, even after making the associate aware that I was not reachable by mail at my home address. I have been sheltering in place out of state due to COVID-19.
After filing the dispute on XX/XX/XXXX, I called PRA a total of 6 times to attempt to ascertain a status update. Each time that I called, I spoke initially with a customer care associate who would then transfer me to disputes where I would wait on hold in excess of an hour each call. Each customer care associate was made aware of the time-sensitive nature of my dispute, and none of them provided a direct phone number to reach disputes. In addition, the PRA website lists their general customer care number as the direct line to their dispute department. PRA refused to provide me with accessible documentation to reflect the disputed status of this debt.
I was not able to reach a representative in the dispute department until XX/XX/XXXX. I was not notified by phone during any of these phone calls, until XX/XX/XXXX, that the PRA Dispute Department was waiting for documentation to be provided by me. I was not made aware that the affidavit they requested by mail could be provided electronically through the FTC website.
It is my belief that PRA associates chose not to provide a full and fair disclosure of the options available to me, in an attempt to elicit payment for a debt that does not belong to me, because they were made aware of the fact that my job offer hinged upon my providing an account for this debt. They believed that they could corner me into paying for the debt rather than doing their best to provide to me their reason to me for believing that the debt was truly mine.
I was made aware that each call was recorded, and my expectation is that PRA will review all of these calls which will back-up my claims.
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Portfolio recovery Associates ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 09/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did.
Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I request that you do this immediately.
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 that you delete ALL the accounts listed below IMMEDIATELY.
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
{ XXXX XXXX } Name of Account PORTOFOLIO recovery XXXX
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| 03/27/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1.I have never had an account with this company Portfolio Recovery Associates , LLC XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Portfolio Recovery Associates , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I hereby lodge a formal complaint against XXXX Bank and Portfolio Recovery for practices that I assert violate the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My understanding, in accordance with the agreement I signed with XXXX Bank, was that all disputes pertaining to my account would be settled via arbitration. However, to my dismay and without my permission or involvement in any arbitration process, XXXX Bank assigned my loan to Portfolio Recovery, a collection agency. Their subsequent response confirmed my suspicions ; they no longer held the debt, which had been passed on to a collection agency. I contend that this act not only breaches our contract but also infringes my rights as a consumer.
Upon discovering this issue, I promptly reached out to XXXX Bank, expressing my intention to resolve the debt directly with them. Yet, despite my eagerness to do so, XXXX Bank declined my request to pull back the debt, which, in my opinion, was sold in an unlawful manner. Moreover, during this transaction, XXXX Bank disclosed my personal information to Portfolio Recovery without my approval, an act I insist violates FCRA Section 604 ( a ) ( 3 ) ( F ), which mandates limits on the dissemination of consumer data absent a legitimate business necessity.
Subsequent to this acquisition, Portfolio Recovery has subjected me to harassment, exerting pressure to collect the alleged debt. They have called my phone multiple times within work hours, even going as far as contacting my workplace directly. They went ahead and threatened to report the debt to credit agencies if I failed to comply. In order to halt further harassment and potential damage to my credit report, I reluctantly felt compelled to pay Portfolio Recovery.
I firmly believe these actions contravene FDCPA Sections 806 ( 5 ), 805 ( a ) ( 1 ), and 807 ( 5 ), which respectively prohibit causing a telephone to ring or engaging in telephone conversation with the intent to harass ; communicating with a consumer regarding debt collection at their workplace ; and threatening to take an action that is either legally impossible or not intended to be pursued.
In view of these issues, I call upon the CFPB to delve into these matters and enact suitable measures to protect my consumer rights. I further implore XXXX Bank to erase this account from my credit report immediately, as I am convinced it was sold and reported to the collection agency in error.
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| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX have never had an account with this company PORTFOLIO RECOVERY ASSOCIATES , REMOVE from all credit agencies from reporting.
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PORTFOLIO RECOVERY ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX -XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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This company ( Portfolio recovery Assoc ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 05/21/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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As per complaint Number XXXX, Portfolio responded by trying to defend their claim appearing as legitimate as possible without providing any real verifiable proof as to that claim. They still, after a number of go arounds, have not shown their right to furnish derogatory information to my file besides three hearsay documents and their statement in a response to me where they claim to have received their basis of ownership of these alleged accounts on a spreadsheet with limited data. They have not shown a signed contract, with the terms of said contract listed, a chain of assignment or a sum certain accounting as to the accuracy of the amount they claim to be owed.
They misrepresent themselves themselves and conduct themselves in a deceptive manner when they use the term verified to describe the status of their alleged claims on me. These documents they use as their proof, combined with the electronic file and its limited data, they, in defiance of the FDCPA 1692e and the UDAAP from the Dodd-Frank Act, state as establishing the accounts validity. They have never made any serious effort to even provide a verifiable basis of a claim, by oath or affirmation in the form of an affidavit by a competent individual with first hand knowledge of the transactions involved, or at the very least, familiarity with the accuracy of the business records to be able to attest to that accuracy under pain of perjury.
They have responded to your last communication with them over this matter by stating their intention to stop their collection efforts, certainly a step in the right direction but, on the other hand nothing was said about them ceasing their furnishing derogatory information to my credit files. In fact on XX/XX/XXXX, several days after I received the response from you, my XXXX and XXXX files were updated, reflecting both of these Portfolio accounts as still active. And I received a communication from XXXX that claims as of XX/XX/2019, the Portfolio accounts are valid and still, even after all this, staying put on my credit file. This is clearly unacceptable. If they accept that they have no basis to continue collections, as stated in that last complaint with the CFPB, then they should have no basis to furnish these accounts on my file with any of the bureaus. They are in violation of Title15 1681, the FCRA by continuing to put this information on my account. This data should cease being furnished along with the ceasing of collections of these alleged accounts.
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| 03/30/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 10/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Happy Saturday everyone at Portfolio ; I noticed an account that was removed early this year which original creditor was XXXX, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies.
In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to.
In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 01/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Couple of month ago I checked my personal credit report and I found out that Portfolio Recovery Associates , LLC aka, " Portfolio '' has reported collection to my credit report. Account # XXXX. This is the first time I found out about collection existence. Immediately - on XXXX XXXX, 2015 I wrote a letter which was sent via US Certified Mail # XXXX XXXX XXXX XXXX XXXX ( you can see the proof of delivery on USPS website ) with Proof Of Service by Mail. I requested : 1. Validation of Debt with all proof copies and 2. I informed Portfolio about how they reported collection to the credit report if they never inform me in writing, but if they did then I requested the copies of these letters. ( Representative from FTC informs me that all collection companies must to inform client in writing 30 days before they report collection activities to my credit reports, this is law ). So, on XXXX XXXX, 2015 they sent me a letter with copy of couple of pages " Bank Statement '' with 1. Not my name on it, 2. Not my Address on it and 3. Not my signature on it. Immediately - on XXXX XXXX, 2015, I sent second letter via Certified Mail with Proof Of Service by Mail # XXXX XXXX XXXX XXXX XXXX back and I inform them that all information that Portfolio sent me is not mine and this is NOT a Validation of Debts. I told them that I believed this is may be the ID theft. One more time I requested a copies of letters with Portfolio sent me 30 days before they filed this collection to the credit bureaus. Couple of month later I still do n't have any more proof from the Portfolio. This company has no legal right to collect one dime.
Now, I am filing the complaint because of I would like to inform that Portfolio is doing fraud and this company should not be existed. Also I would like to request help from your company.
THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO REPORT COLLECTION AND MUST TO DELETE COLLECTION FROM CREDIT BUREAUS AND MUST CLOSE THIS ACCOUNT AND MUST TO RETURN THIS ACCOUNT TO THE ORIGINAL OWNER WITH OUT SELLING OR RE-SELLING.
All communication must be in writing only. I do n't want to speak with collection who may lie later by adding something that I never pronounced.
I hereby authorize the release of any financial information from this company to CFPB to assist in this resolution process.
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| 07/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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hi PRA COLLECTION/ XXXX/XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 07/21/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt.
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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In 2020, my XXXX XXXX XXXX XXXX XXXX from a computer I bought from XXXX. It also caught a spark and burned the motherboard completely. I explained that this was the third time they had changed the motherboard and the harddrive and was still giving me problems, including the fact it would get too hot. I explained my machine was a lemon and I wanted a new computer or a refund and they completely refused. They offered no more help even though I had paid the premium technical support. Claiming that I had already had three changes of motherboard and harddrive and they wouldnt be able to do anything further.
When I saw I wasnt getting anywhere with this, I stopped paying for it. I felt I was robbed of my money. That computer was only 6 months old. XXXX then turned around and sold my account to Portfolio Associates. I showed them the photos of the XXXX, I explained to them that XXXX refused to exchange or refund my purchase, and they still insisted I owed this money.
I had previously paid XXXX {$700.00} of the {$1200.00} total. Portfolio Associates says that I owe them XXXX even though I had previously paid {$700.00} to XXXX. I only truly owe {$500.00}. They currently remain with an overcharge amount in my account and have ruined my credit.
I have spoken to all the credit bureaus, XXXX and XXXX refuse to delete the amount from my account even though I also showed them the photos and evidence. Furthermore, I found on the internet that this was a common issue with those laptops and XXXX has never issued a recall or to exchange the parts.
This charge is not my fault. I do not owe that money. That laptop should have been exchanged or refunded. It obviously has a heating issue and was faulty from the start. The model is XXXX XXXX XXXX but most of the XXXX have this issue.
XXXX and XXXX are also at fault for allowing the crooks at Portfolio associates to continue to put a blemish on my credit despite the fact they were informed about everything and for the overcharge.
This has been a gross oversight from all sides, and I will keep fighting it until it is removed from my credit. Paying {$700.00} for that laptop was already TOO MUCH. I would like to take it to court, but I was informed I can not because it can only be heard in small claims court unless a larger class action suit is filed. I feel powerless and I am not a thief. I pay everything I owe every single month. There is obviously an issue, and NO ONE IS LISTENING TO ME OR PAYING ATTENTION!
|
| 11/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made.
A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call.
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment.
Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid.
Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt.
This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt!
Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
|
| 05/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XXXX XXXX , XXXX , Portfolio Recovery Associates, LLC made a settlement offer to settle a debt. The original creditor was XXXX XXXX XXXX XXXX and the credit card debt balance was {$5200.00}. Portfolio Recovery Associates, LLC , the debt collection agency on behalf of XXXX XXXX made an offer in writing and mailed it to me offering a savings plan that I could mak e 1 P ayment of {$4200.00} and SAVE {$1000.00}. Your account will be considered Settled in Full after your final payment is successfully posted. Your first payment must be received NO LATER than : XXXX / XXXX / XXXX I mailed a check to Portfolio Recovery Associates, LLC for the amount of {$4200.00} along with the settlement offer and my agreement to their settlement terms. My settlement terms were that the debt for the account would be considered settled in full like they offered and there would be no future collection of the debt. I mailed the check and agreement to their settlement terms by USPS priority and it was delivered to an individual on XXXX XXXX , XXXX . That same day Portfolio Recovery Associates, LLC cashed the check. In XXXX , XXXX I observed on my credit report that there was a collection balance for the amount of {$1000.00} and the collecting agency was Portfolio Recovery Associates, LLC . I disputed this telling my credit reporting agencies that this debt was settled and paid. Portfolio Recovery Associates, LLC also disputed that I owed this debt while fraudulently withholding information from the credit reporting agencies that they had offered to settle my debt. Instead, they shared credit card statements from XXXX XXXX stating this debt was mine. I do not disagree this credit card debt was mine. However, Portfolio Recovery Associates, LLC made a settlement offer and is not closing collection accounts as settled in full on my credit report when I agreed to their terms and made a payment in the full amount requested in the time frame requested. They are illegally reporting false information on my credit report to all three credit bureaus, XXXX , XXXX , and XXXX . I have attached copies of their written settlement offer to me, a copy of the check I sent to them, a copy of my agreement to their settlement offer, a copy of the USPS Priority shipping label, a copy of the delivery notice, a copy from my bank showing they cashed the check, a copy of their dispute, and a copy of original credit card statement.
|
| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XX/XX/XXXXbecause in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support XX/XX/XXXX. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with XX/XX/XXXXI cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
|
| 10/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the XXXX both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a fact that, I, agent for principal XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice in Fact, I, agent for principal XXXX XXXX and XXXX, have never signed a CONTRACT or PROMISSORY NOTE with PORTFOLIO RECOV ASSOCIATES. Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice in fact, I demand these items stop being furnished on my consumer reports or pay me {$4300.00} for every minute they've been reported on my behalf. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by PORTFOLIO RECOV ASSOCIATES herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
|
| 06/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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I recently requested copies of my credit report in XXXX XXXX to review for accuracy. I noticed a negative reporting account fro m Portfolio Recovery and immediately sent a request via certified mail to request validation of this debt. Portfolio Recovery was in receipt of this letter on XX/XX/XXXX . I also disputed this information with the credit bureaus who stated th at Portfolio Recovery valida ted the request they sent. I received a letter dated XX/XX/XXXX fro m Portfolio Recovery statin g that I allegedly owed {$360.00}. There are several issues with this negative account being listed on my report and a lot of the information makes no sense and I am hereby requesting immediately deletion of this account for the following reason. 1. This company is reporting and has validated with the credit bureaus an amount that contradicts the paperwork they have sent me. My credit report has an alleged debt listed in the amount of {$360.00}, however they have sent me a letter, on th eir OWN letterhead that states an alleged amount of {$360.00}. This is a direct violation of the FDCPA 808 ( 1 ) Unfair Practices that states " ( 1 ) The c ollection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 2. Per my hard copy credit report, Portfolio Recovery claims th ey verified data that does n't even make any sense. They have reported to XXXX that the account was open on XX/XX/XXXX , however also reported the " date of XXXX delinquency '' is XXXX and also the " date of major delinquency XXXX reported '' XXXX . How can you report the account was opened in XXXX but state the date of XXXX delinquency is XXXX ? This makes absolutely no sense. XXXX . I have never entered into a contract or agreement and have never done business with Portfolio Recovery. 4. This alleged debt does not belong to me and Portfolio Recovery h as failed to provide accurate information or validation of this alleged debt. 5. Portfolio is unable to provide me with an agreement between them and the original creditor they have listed. Portfolio Recovery has been known to display deceptive tactics in order to collect monies from consumers and has been fined previously by the Consumer Protection Finance Bureau ( a s recent as ( XXXX ) and this a perfect example of this tactic.
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| 06/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Letter of Removal Dear Portfolio Recovery Associates, I am writing to formally request the removal of my debt from your records and the cessation of any further collection activities related to the alleged debt. After careful consideration and several attempts to resolve this matter, I have discovered multiple issues that raise concerns regarding the legitimacy and legality of the debt collection process.
Firstly, I have sent three dispute letters to Portfolio Recovery Associates regarding the lack of proof of the alleged debt 's profitability. Despite my requests, I have not received any satisfactory evidence or documentation supporting the validity of the debt. This failure to provide essential information raises serious doubts about the accuracy and legality of the debt in question.
Furthermore, upon conducting thorough research, I have found that Portfolio Recovery Associates lacks the necessary license in California to collect on a debt. As per the information provided on your website and various regulatory documents, there is no mention of Portfolio Recovery Associates holding a valid license for debt collection activities in California. This oversight further undermines the legitimacy of your claim to collect the alleged debt from me.
Based on the aforementioned reasons and the absence of proper documentation, I kindly request that you immediately : Cease all collection activities related to the alleged debt.
Remove any negative reporting on my credit profile associated with this debt.
Confirm in writing that the debt has been nullified and no further collection attempts will be made.
Failure to comply with this request may result in legal action being pursued against Portfolio Recovery Associates for violation of debt collection laws and regulations.
I expect a prompt response within [ number of days, e.g., 30 days ] from the receipt of this letter. Please send all correspondence regarding this matter to the address mentioned above or via email at [ your email address ]. Additionally, I request that all future communication be conducted in writing to maintain a clear record of our interactions.
Thank you for your immediate attention to this matter. I trust that you will handle this issue professionally and in accordance with the law. I look forward to receiving written confirmation that this matter has been resolved.
Sincerely, XXXX XXXX
|
| 01/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
On XXXX I pulled all 3 of my credit reports and noticed that I had a collection account with Portfolio Recovery Associates. On XXXX I sent a notice of dispute and validation which was delivered and signed for on XXXX at XXXX. Each account differed from the other ; from contact information, account name, account number, original creditor, account status, payment status, status update, balance updated, original balance, past due amount, high balance, terms, and last but not least payment history.. Also being reported as opened on month in which this alleged account was bought by Portfolio Recovery Associates . I've received an itemized statement ( which does not constitute verification ) containing my name, partial account number, and a balance XXXX cents cheaper than reported. Portfolio Recovery Associates has failed to provide me with proper validation. Please note that as 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), so obviously states, it is prohibited to report information with actual knowledge of errors. This account listed on all three of my credit files is RIDDLED with errors. This company is challenging and disregarding my rights as a consumer. Portfolio Recovery Associates has willfully and negligently reported inaccurate information to all of my credit reports and has continued to do so for a total of 32 months. Please note that the FDCPA and FCRA are strict liability statutes and one only needs to show a violation occurred in order to be awarded statutory damages. Even if you simply remove the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer.
Also note that PRA, LLC 's most recent correspondence received dated XX/XX/2020 stated that " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' I clearly stated in both notices to Portfolio Recovery Associates, LLC that I was making a goodwill attempt to have them clear up this matter. That the listed item is inaccurate and incomplete, and represents a very serious error in their reporting.
***Attached are all 3 listings reported to the three major credit bureaus XXXX , XXXX & XXXX dated XXXX
|
| 03/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Name of the Collection Agency is Portfolio Recovery Associates, LLC.
In XXXX of XXXX they would not stop calling nor would they stop sending me notices in the mail. I was paying them what I could afford but the company wasn't happy about the amount. I told the agents in XXXX of XXXX if they would not stop calling me I will stop paying them because they kept harassing me.
The original debt is from XXXX.
In previous letter I explained to them that I was admitted to the VA XXXX XXXX numerous times and I had no money to pay them during XXXX. I also informed them that I took out the insurance that they provided me on the card. The company said if I could prove that I paid the insurance I would be discharged of this debt. I then informed them that I had moved numerous times and had lost all of the paper work and asked if they could provided me proof of the past Credit Card statements, which they didn't.
Once they called me on XXXX XX/XX/XXXX, I told them to review previous calls to which I had spoke to them and all matters concerting my account. They didn't review the calls, so I told them I wasn't paying them anything further because they kept harassing me.
On XXXX XX/XX/XXXX I spoke with XXXX XXXX after getting a noticed in the mail. I explained to her what was going on and I had sent a Cease and Desist letter to their company.
I then applied for a home loan ( XX/XX/XXXX ) and a personnel loan ( XX/XX/XXXX ) ; I once again started getting letters and calls. On XXXX XX/XX/XXXX I sent them a letter explaining what had happened in the past as well as a Cease and Desist letter to : Portfolio Recovery Ass., LLC - XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX as well as XXXX XXXX XXXX XXXX VA XXXX I got a statement form them on XXXX XX/XX/XXXX. I figured they had not got the letters so I sent copies of the previous letter and a new letter informing them once again if they tried any communications I would inform the Fair Trade Commission and Arkansas State Attorney General. Those letter were sent out on XXXX XX/XX/XXXX to : XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; Disputes Department XXXX XXXX XXXX XXXX VA XXXX I get a call from XXXX at XXXX on XXXX XX/XX/XXXX. I informed her that I had already sent a Cease and Desist letter now I was reporting them to both Fair Trade Commission and Arkansas State Attorney General.
I have attached all the letters I have sent to them within the last month
|
| 01/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A Reported : XXXX XXXX, XXXX {$680.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I am writing in regard to an alleged account that originally reported as delinquent in XX/XX/2016. So allegedly the other account was reported delinquent in 2016 yet Portfolio Recovery is illegally reporting this debt and threatened to sue me having an illegal adverse effect on my name and background. The amount of threatening and harassing calls I receive from them is insane. Not only is it not my debt, but this is a really old debt per their records. Additionally, they are reporting to reporting agencies, consumer agencies and credit bureaus despite this illegal/erroneous debt being over 7 years delinquent.
There seems to be on-going illegal patterns and practices and intentional systematic old debt collector activity that Portfolio Recovery Services engages in. They obtain erroneous/fake old debt list from creditors, change the date of delinquency or date of open of the debt then begin harassing and threatening consumers to pay. They have robo-calls call several times a day threatening to take legal action and harassing consumers. They illegally change the date on the debt so they can harass, threaten and attempt to collect for longer periods of time. This is illegal and they should be investigated for patterns and practices of abuse.
FEDERAL VIOLATIONS The Federal Credit Reporting Act ( FCRA ) provides that adverse information can not be reported on a background check longer than 7 years from delinquency date, even when unethical debt purchasers purchase debts. Such purchasers of debts can not make up dates and start delinquency dates years from the original delinquency dates. Such debt collection practices are illegal and will be reported to Consumer Financial Protection Bureau ( CFPB ) for the agency to investigate patterns of illegal practices /class action litigation. They are violating my XXXX Rights by reporting erroneous, outdated adverse information on my background preventing me from obtaining employment.
CALIFORNIA VIOLATIONS The new California Law requires that : All debt XXXX and debt buyers operating in California are required to apply for a license with the Department. A license is required to do operate, do business, and collect debt in the XXXX of California.
The statute of limitations on debt in California is ( 4 ) four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.
They are trying to collect {$11000.00} of money not owed to them
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Hello, This is ridiculous and inhumane PRA! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
|
STATEMENT OF FACTS : XXXX. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates LLC XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via USPS Registered Mail, Article No. XXXX.
XXXX. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty onXXXX ( 21 ) days for response.
XXXX. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to Portfolio Recovery Associates, sent via USPS, Article No. XXXX, giving debt collector ten ( 10 ) days to respond XXXX. On XX/XX/XXXX, XXXX Collector mailed to Respondent a computer-generated correspondence dishonoring the offer of performance. Debt collector failed to provide verification of debt, only statements alleging its validity.
5. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein.
XXXX. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A.
7. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment.
8. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars.
9. Debt Collector has defaulted.
10. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default.
On XX/XX/XXXX I sent to portfolio recovery associates a notice of default and consent to judgement, which they have failed to respond.
**Portfolio recovery associates has threatened and continued to report unverified information to the credit bureaus
|
| 10/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Happy Halloween ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
|
| 07/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
|
|
PORTFOLIO RECOVERY ASSOCIATES has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim.
I have no idea who PORTFOLIO RECOVERY ASSOCIATES is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PORTFOLIO RECOVERY ASSOCIATES is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from PORTFOLIO RECOVERY ASSOCIATES via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized PORTFOLIO RECOVERY ASSOCIATES as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ PORTFOLIO RECOVERY ASSOCIATES } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to PORTFOLIO RECOVERY ASSOCIATES, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
|
| 05/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 01/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit.
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints.
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they.
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately.
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not.
Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded.
Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters.
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed
|
| 04/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PRA is in violation of their XX/XX/XXXX Consent order between their company and the CFPB by violating Consumers rights under FDCPA. PRA sent a collections notice on XX/XX/XXXX saying they purchased an account from XXXX XXXX XXXX and will not begin collections until 30 days after the notice unless I dispute. The FDCPA requires debt collectors to state the amount of the debt, among other things. They type of Account or An amount " Owed '' was not stated during the initial contact made with me via USPS mail. I mailed their dispute department a Debt Validation Letter stating that if they were not able to provide me with proper documentation, that they must cease collection activity. In their written response to me, they did NOT provide me with any proof of the Address on file for the alleged debtor, The original balance, The date the alleged debt became payable, The date of original charge off or delinquency, the amount paid for purchasing the alleged debt owed, the agreement granting PRA authority to collect the alleged debt, any proof or copies of any signed agreements or contractual obligations between the alleged debtor and the debt collector, any signed agreements wherein the alleged debtor agreed to pay the creditor, all statements while this alleged account was open, the name and address of the bonding agent for PRA, or the authorized signature for the creditor. They never provided me with any documentation to establish their rights to collect this so-called debt within the 30 day time frame. Their consent order specifically states they are not allowed to collect on debts they can not validate. Under the order, they must have the original account-level documents verifying a debt before attempts to collect on it when, for example, a consumer has disputed it. FDCPA, 15 U.S.C. 1692e, is clear when it states the law prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. In the era we live in today, identity theft is at an all time high and this company is known for being in violation of consumer 's rights, paying millions of dollars in restitution! They can not continue to harass people based off of the information from these alleged " sellers of debt ''. Additionally, the response they sent was clearly an AUTOMATED response because the font was different and some inserted information contained all CAPS, which can also be interpreted as a SCAM.
|
| 07/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXXXXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 06/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Disputed this fraudulent credit item with XXXX Report Number : XXXX who states item verified. The company was unable to submit verifiable documentation of the debt. Submitted notice of possible violations to all parties ( XXXX & Its Client Data ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines.
COPY OF NOTICE SENT ALL PARTIES ============================================================== CONSUMER COMPLAINT NOTICE!
FCRA Section 623 VIOLATION!!!!!
FCRA 5 U.S.C. 1681s-2 FURNISHER VIOLATION!!!!!
( 15 USC section 1681e now being enforced pursuant FCR 15 USC section 1681i ) PUBLIC LAW 910-508 Title VI CCR/Sec.617 MORTGAGE LOAN PENDING!!!
( Principal amount in excess of {$50000.00} ) Final NOTICE! ( XXXX & Its Client Data Reporting ) FCRA Section 1681 ( C ) ( 1 ) ( 6 ) FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} fine 0r {$2500.00} Statutory Fines RE : XXXX Report Number : XXXX This letter is a request to have the below listed accounts re-investigated, corrected, the reporting creditor denies having been contacted by this bureau in reference to this issue. Moreover, the reporting creditor is unable to provide verifiable documentation of reported debt to XXXX. Pleas removed this negative item from my credit files, and all unauthorized inquiries updating credit file with these corrected changes ASAP. These incorrect items is affecting my credit score which has caused problems with acquiring mortgage financing approval for my home purchase, and also, there may also be a violation of 15 USCS 1681e, including FCRA Section 604 ( A ) ( 3 ) Non permissible purpose {$1000.00} {$2500.00} statutory fine. Send names and addresses of persons recently contacted with 30 day. This information needs to be corrected before my mortgage loan go into underwriting as soon as possible. Please mail me an updated copy of my credit report including credit score to submit to my loan officer. Moreover, Im requesting that all unauthorized inquiries be removed from my credit files as soon as possible. Thanks!
Cordially, Consumer Attest/Signature : XXXX XXXX Cordially, LOAN CLOSING DATE : XX/XX/XXXX XXXX XXXX SSN # : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX, Ga XXXX cc : Consumer Complaint Board Consumer : Creditor Name Acct # Comment PORTFOLIO RECOV ASSOC XXXX. Not Mine XXXX XXXXXXXX XXXX Never Late Inquiries XXXX Remove All Unauthorized Inquiries
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| 06/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.XX/XX/XXXX and XXXX XXXX of XXXX violated the military lending act. I joined the military XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. Did you notice that she didnt investigate the MLA which was violated. I need to be compensated for all the damages that occurred. In the contract as a military member I was financed gap insurance. The Mapr needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( MAPR ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, savings association, or credit union. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. In addition to regulations, in XXXX the DoD issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. One question-and-answer in the XXXX guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX amendments mentioned above, the DoD stated that the interpretation applied to secured motor vehicle loans, too. Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included GAP insurance would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % MAPR limitation, but also to the prohibition against securing the transaction with the vehicles title.
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| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am filing this complaint against XXXX and XXXX for failing to furnish what Portfolio Recovery Associates XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and XXXX reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from portfolio recovery on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. Portfolio recovery received my letter on XX/XX/XXXX. Both XXXX and XXXX have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or XXXX are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and XXXX are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and XXXX are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and XXXX to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. Portfolio Recovery has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and XXXX are reporting two different purging dates is solely XXXX and XXXX default and they refuse to fix this on going issue. XXXX and XXXX should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and XXXX are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.
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| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI PRA ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
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| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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As the consumer I sent out a certified mail letter to Portfolio Recovery Associates. The certified letter was a cease and desist order to cease all communication in connection with debt collection. The FDCPA has defined exactly what " COMMUNICATION '' means within the law. The FCRA has defined exactly what " PERSON '' means within the law.
Here is how the FDCPA defines COMMUNICATION, " the term " COMMUNICATION '' means the conveying of information regarding a debt DIRECTLY or INDIRECTLY to any person through any medium ''.
Here is how the FCRA defines PERSON, " the term PERSON means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ''.
Portfolio Recovery Associates received my notice of cease and desist communication in connection with a debt. XX/XX/2021 at XXXX XXXX, see certified mail confirmation attached. Portfolio Recovery Associates have stated in past correspondence that " We take compliance with all applicable state and federal laws very seriously ''.
Portfolio Recovery Associates is not allowed to communicate in connection with debt collection to the consumer reporting agencies because they are INDIRECTLY communicating about me, after i told them not to. The consumer sending a cease and desist letter changes what would have been normally permitted by law. Clearly the law is saying that Portfolio Recovery Associates is no longer permitted by law to communicate in connection with debt collection to the consumer reporting agencies.
Portfolio Recovery Associates is still reporting the alleged debt to the consumer reporting agencies even after having received notice on XX/XX/2021. The debt is alleged and it is false and misleading, for other creditors to see a collection account on my consumer report. The alleged debt is owned by Portfolio Recovery Associates, there is insufficient evidence to bring a breach of contract claim regarding this debt. Portfolio Recovery Associates will have to prove the elements of a breach of contract claim, I'll be looking forward to the testimony of an agent of Portfolio Recovery Associates, preferably one with first hand knowledge that can prove we have a contract and there was mutual assent..
Portfolio Recovery Associates has violated the federal law in more ways than 4. I have not included all the violations by Portfolio Recovery Associates, if needed they will be revealed.
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| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Portfolio Recovery Associates LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Portfolio Recovery Associates LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Portfolio Recovery Associates LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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| 10/19/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living.
I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied.
I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices.
The voice on the phone rebuttalled saying that was never the case and that it was incorrect.
I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX.
Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount.
Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!
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| 08/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB, I appreciate your attention to my initial complaint regarding Portfolio Recovery Associates , LLC ( PRA, LLC ) and their attempts to collect a debt that I have disputed. I have since received a response from PRA, LLC 's Disputes Department. Complaint # XXXX However, I have concerns that remain unaddressed : Lack of Licensing Verification : In my initial complaint, I mentioned that, to my knowledge, PRA, LLC is not licensed to operate in my state. Their response did not address or provide any evidence of their licensing status. I believe this is a crucial aspect of my complaint, as their authority to collect debts in my state of residence is in question.
Inadequate Validation of Debt : PRA, LLC has provided a statement from XXXX XXXX as their sole evidence of the debt 's validity. Notably, the statement shows a credit limit of {$1000.00}, yet the balance stands at {$1200.00}. This raises questions regarding how the balance exceeded the credit limit, and whether there were any additional fees or charges added that I was not aware of. Moreover, a mere statement does not serve as a binding contract bearing my signature or any other concrete evidence proving my responsibility for the debt.
Transparency and Clarity : While PRA, LLC claims to have completed their investigation and provided documentation to establish the debt 's validity, I find the evidence provided to be insufficient. A single statement does not provide a comprehensive view of the account 's history, transactions, or any communications I might have had with the original creditor.
In light of the above concerns, I kindly request the following : PRA, LLC must provide concrete evidence of their licensing status in my state of residence.
PRA, LLC should furnish a detailed breakdown of the balance, specifically explaining how the amount reached {$1200.00}, surpassing the credit limit.
A copy of the original contract or agreement bearing my signature, which establishes my responsibility for the debt.
I reiterate my initial request that PRA, LLC ceases all collection activities related to this debt until they can provide proper validation and obtain the necessary licensing to operate in my state. I also stand by my initial demand for corrections with all credit bureaus and the removal of this account from my credit report due to the concerns raised.
Thank you for your continued support and attention to this matter.
Sincerely, XXXX XXXX
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| 03/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXXXXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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First PORTFOLIO RECOVERY ASSOCIATES LLC has violated 15 U.S. Code 1692c. As demanded in the complaint ( XXXX ) a cease and desist was sent demanded through the complaint. PRA has violated this by sending another letter to me on another alleged account. A Cease and Desist were sent to " PORTFOLIO RECOVERY ASSOCIATES LLC '' as this applies to PRA whole company. My federal rights have been violated. Second as 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given PRA consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. PRA is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. PRA is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. PRA needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in Black Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. PRA shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. I expect there will be no further efforts from PRA to collect on this allegedly incorrectly owed debt. If PRA fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made. If PRA does not comply with what's demanded and asked for within this complaint I will receive legal counsel and PRA will be held accountable to 15 U.S. Code 1692k. Cease and desist.
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| 06/25/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to Portfolio Recovery Assiciates, LLC on XX/XX/XXXX. I attached such exhibit below.
Portfolio Recovery Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report.
Portfolio Recovery Associates , LLC has only provided me with statements and transactions from XXXX XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A.
According to XXXX XXXX XXXX. XXXX transactions and experiences are not reported on the consumer report. This is a violation of my rights, reputation, and my mode of living.
15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The notice is to inform that Portfolio Recovery Associates LLC have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You Portfolio Recovery Associates , LLC have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt.
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| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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About four years ago, while I was in college in XX/XX/2019 I opened a credit card with XXXX XXXX to purchase some clothes. At the time I had little if any working knowledge of how credit cards and payments worked, and ultimately forgot to pay off the clothes in appropriate time.
A few months down the road in XXXX of that year I picked up a call from a representative at XXXX XXXX who explained the situation, and with the representative on the phone I paid off the amount owed, totaling XXXX USD. I walked through the amount and the process with this representative on the phone to ensure that I was doing everything right and paying the correct amount.
For the past three years since paying it off, I've been relentlessly contacted by a debt collecting agency called Portfolio Recovery Associates about this money that was owed and paid to the original creditor, XXXX XXXX. I've repeatedly disputed the debt and provided proof, as well as sent emails showing that I paid the original creditor to no avail and have not received a response to my disputes of the debt. After almost XXXX years of harassment and a delinquent note on my credit score that is affecting my career and personal goals, I'm hoping to find a solution so I can get this delinquency and debt that I don't owe removed from my credit report for good and to stop receiving calls from Portfolio Recovery Associates on an almost daily basis.
I'm interpreting this situation to have been a miscommunication between XXXX XXXX and XXXX, I believe that they sold this " debt '' to the agency mistakenly when I had in fact paid off the amount owed. I'm tired of dealing with this and am growing concerned about the financial and credit report long-term repercussions of this derogatory remark which is potentially affecting my ability to get jobs, have credit cards, etc. I also don't believe I received communication before the debt was sold to XXXX as required by law, which would make sense given that if I had I would have reached out to let XXXX XXXX know that the payment was made and would have sorted this entire ordeal then.
I have taken numerous actions via phone call and email to dispute the debt and have not received any replies to my dispute, instead repeated attempts to continue collecting this debt that I don't owe. I'm now at the point of considering legal action if XXXX XXXX and/or Portfolio Recovery Associates do not correct this issue as soon as possible.
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| 03/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.
OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.
On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.
On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.
On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX
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| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is in response to a letter received by Portfolio Recovery Associates on XXXX XXXX, 2023. Apparently, XXXX XXXX has sold this account to them, a XXXX party interloper, and it is my belief this is a fraud. Since there is no signature on the documents they have sent me, who is accountable for this contract I am being offered? If they can state their claim & provide that contract I have with them whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account.
I requested VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act.
XXXX respectfully requested that their offices provided XXXX with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt.
Also, be informed that, for 3 years, their offices have been reporting non-validated information to the XXXX major XXXX XXXX, XXXX, XXXX and XXXX prior to validation and proof of claim of the alleged debt, which I also believes constitutes fraud under both Federal and California XXXX XXXX. And also has caused me significant financial harm and denial of credit.
Due to this fact, these negative marks found on Claimant 's credit reports by their company and I retain the right to explore options regarding action against them in accordance with Violation of the Fair Credit Reporting Act as well as Violation of the Fair Debt Collection Practices Act, and United States Code TITLE XXXX, CHAPTER XXXX, Sec. XXXX.
Portfolio Recovery Associates sent XXXX identical letters in response to previous CFPB complaints, XXXX on or about XX/XX/2023 and XXXX on XX/XX/2023, and not once did they provide Proof of Claim of the alleged debt. Therefore, the debt is considered to be invalid, and any documents that they sent me will be returned to them as refused for cause without dishonor upon proof of claim Their office never produced the required documentation in accordance with FTC guidelines and has taken actions which was and is detrimental to Claimants private commercial affairs and credit reports. These actions are a dishonor.
Portfolio Recover Associates failed to provide VALIDATION and PROOF OF CLAIM.; made a false representation of the character of the referenced alleged debt and, made a false representation of the legal status of the referenced alleged debt.
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| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
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| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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They call me daily while I'm at work, told me to pay a certain amount ( over $ XXXX ), when original amount I'm not even sure of ... they kept saying I needed to make payments before account went further in debt. I told them my situation, and that I couldn't pay even {$50.00} a month, being a single mom going through divorce and not even able to pay kids daycare or gas in car to get to work, l9et alone my ex husband refusing to help with child support, rent gettin raised XXXX, I owed my son 's school from last summer breaks still and we are getting ready for another summer break ... and They never mentioned anything about the ability to dispute just that's its attempt to collect a debti only that I owed over XXXX. I mentioned I was at work, that I had to g and to call later, and they rushed me on phone, told me that if I paid them {$50.00} a month my debt would go away after 12 months and that was the best they could offer me and that if I didn't accept, it could very well get higher. I askedf they would send that in writing, they said yes and I'd get it in the mail within that month ( couple weeks ) to verify and essentially lock in the agreement. I didn't know I had the option to dispute the amount. I never received a letter with payoff charge or dispute factors. They still call me, every day when I've asked them to not call me between XXXX and without fail, they call me between XXXX daily while I'm at work. My boss pays my cell phone bill. Every time my phone rings at work, he looks at me as if he's going to revoke that amenity. I don't get personal calls during work hours. Only this creditor calls me. And they won't give me any more options anymore. I asked them again about that offer and said they didn't know what I was referring to They won't stop calling during my work hours. I've never been in credit card debt and never knew I could ask for amounts or info on creditors or original amounts. This company didn't offer than info when I asked them when I was very confused about this debt and if it could be settled due to my extreme situation. They were reluctant to offer or settle and I still have yet to see them follow through, when they offered me that {$50.00} a month for 12 months back in XXXX. They also call me on random numbers when I attempted to block their number due to them harassing during work hours. I don't even know who the initial debtor is. Or the original amount.they apparently don't
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| 07/15/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX.
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015.
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA.
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.
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| 07/09/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim.
I have no idea who Portfolio Recovery Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Portfolio Recovery Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Portfolio Recovery Associates via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Portfolio Recovery Associates as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Portfolio Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Portfolio Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 11/16/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late?
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
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| 02/18/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery and Associates are claiming that I owe them {$6800.00}. I have sent them 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to provide a contract with them or anything to validate this date bearing my signature. They have not been able to provide this information but they continue to report this on my credit report.
They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
They are liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. They did not mark my complaint as disputed but marked it as resolved without providing my signature on a contract.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
They have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts.
I have certified mail receipts dated XX/XX/XXXX, XX/XX/XXXX ( should be XXXX ) and XX/XX/XXXX. The one dated XX/XX/XXXX has a tracking number of XXXX XXXX XXXX XXXX XXXX was actually received on XX/XX/XXXX at XXXXXXXX XXXX which is mail fraud. It was held so they could buy more time to find my signature which they do not have.
They are required by law to remove this from my credit report or face legal action for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. ) Mail Fraud This false information on my credit report is costing me in higher interest fees and I am being denied credit.
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| 05/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
|
Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me.
On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate.
On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond.
After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell.
Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer.
PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt.
There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
|
| 12/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 10/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 01/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 01/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/31/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/14/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 11/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/18/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
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| 07/16/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
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| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.
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| 03/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day.
In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.
( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing.
( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence.
By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.
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| 03/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates LLC has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. Portfolio Recovery Associates LLC is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). Portfolio Recovery Associates LLC refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that Portfolio Recovery Associates LLC continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from Portfolio Recovery Associates LLC by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. I've also made Portfolio Recovery Associates LLC aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if Portfolio Recovery Associated LLC does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX XXXX and Portfolio Recovery Associates are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract.
Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery Associates and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate.
FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and Portfolio Recovery Associate 's obligation not to furnish inaccurate information to credit reporting agencies.
FCRA Section 621 : XXXX XXXX XXXX, XXXX XXXX 's and Portfolio Recover Associates potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}.
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud.
I have never had any dealings with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract.
I demand the immediate : Investigation of this matter by the CFPB.
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, XXXX XXXX and Portfolio Recovery Associates.
Compensation for my time and effort spent disputing this illegal account.
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered.
Thank you for your prompt and serious attention to this critical matter.
Sincerely, XXXX XXXX
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FCRA Opt-Out Request.
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/23 XXXX ) Original XXXX : XXXX XXXX XXXX XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX. XXXX ) Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX.
XXXX ) XXXX XXXX.
XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Account number XXXX Subject : Opting Out of Any and All Authorizations Pursuant to the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorization whether they were given to you in written, unwritten, verbal, or non-verbal form.
As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies.
Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information.
I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future.
Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer.
Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected.
Sincerely, XXXX XXXX
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| 03/17/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates.
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls.
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications.
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through?
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore.
Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.
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| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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There is a collections account on my credit report by Portfolio Recover Associates ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.
6. Please confirm the date the statute of limitations expired.
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
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| 08/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.
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| 05/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recov Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( XXXX XXXX ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a XXXX XXXX card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read XXXX XXXX 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use XXXX XXXX name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.
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| 05/28/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.
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| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Portfolio Recovery Associates LLC XXXX XXXX XXXX.
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.
Here are three reasons why I`m sending this.
Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law.
Second, the item in question can not be authenticated to be certified under testimony to be true and accurate.
Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof.
Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect.
Per XXXX reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation.
I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.
Based on US contact law, I should only pay the original company and do not have to pay the collection agency.
By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting.
Delete this account from my credit report immediately, or I will seek legal action.
Do not send me copies of credit card statements, as this do not validate the right to collect
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| 08/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, XXXX. violation.
PORTFOLIO RECOVERY A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final XXXX attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
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| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I reached out to Portfolio Recovery Association, LLC.
XXXX XXXX XXXX.
XXXX, VA XXXX Re : XXXXXXXX XXXX {$480.00}, {$710.00}, {$490.00} I sent a letter to this company and all three credit bureaus disputing the debt in XXXX. Portfolio Services responded with only one bill showing incorrect name and incorrect address. One the credit report it is showing incorrect address, incorrect name, an incorrect date of last activity on all three bureaus are different. When asking for the credit bureaus to revalidate the debt to verify what company was reporting the incorrect information Portfolio Recovery Association, LLC. however, I have never signed a contract with this company. They can not verify the debt belongs to me. They can not verify a contract. This company could not show proof of the debt. This company violates the Fair Credit Reporting agency. They did not verify their proof of trying to contact me to validate the date, they did not report telephone calls for collecting the data, they did not validate they are approved by XXXX XXXX law to provide collection services in XXXX. Furthermore, the date of the debt showing on my credit report dates back to XXXX as date of last activity on my credit report. However, on XXXX, the date of the last activity shows XXXX and finally XXXX.
The Federal law of Consumer Fair Credit Reporting states " all Credit Bureaus must report accurate information. Collection Agency in the State of XXXX has to show proof they can collect in the state of XXXX. Prior to placing any debt on your credit report, they must show due diligence proof that they made attempts to collect, verify and notify the debtor of the actual debt. I have never heard from this collection agency. When trying to get them to validate that this debt in fact belongs to me they did not send any contractual proof where I authorized their company or any other company to have access to my personal information.
I also placed a security freeze on XXXX XXXX, XXXX, XXXX XXXX, and XXXX as well as requesting all companies send me an accurate and up to date credit report so I can dispute inaccurate information. I have not received any information from XXXX. All other agencies have verifiable credit freezes. I am in preparation to take these companies to State Court and Federal Court if necessary to ensure as an XXXX American Female my rights are enforced and upheld by the courts.
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| 05/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : PORTFOLIO RECOVERY {$1000.00} PORTFOLIO RECOVERY {$930.00} Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from My credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC 54XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 08/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I continue to be pursued by Portfolio Recovery mentioned in my complaint # XXXX. In my additional comments I requested that they cease and desist. I just recently received a letter dated XX/XX/XXXX from Portfolio Recovery trying to claim a debt from another creditor, XXXX XXXX.
My data was breached by the XXXX Data Breach and since the breach I have gotten collection claims from Portfolio Recovery for several of my creditors ( i.e. XXXX, XXXX XXXX, XXXX ). Therefore, I requested a copy of my credit report and Portfolio Recovery was listed on my report as being in default with payments. I do not have any agreements with this company, nor do I owe this company any money. This company has never presented any written agreements to me indicating that they were acting on behalf of any of my creditors.
I disputed the claim and their response to the dispute was copies of statements that were never mailed to me by my creditor. ( This only proves that there has been a serious violation of my private information. ) I have attached a copy of one of the statements Portfolio Recovery sent in response to the dispute. On the XXXX statement dated XX/XX/XXXX, that Portfolio Recovery sent me, shows a credit limit of {$8500.00}. Clearly this statement was altered because a closed account would not show a credit limit. This is the type of tactics they practice to collect money from people. Also attached is a statement I received from XXXX in XXXX of XXXX that clearly shows the credit limit as XXXX. This account was closed in XXXX and I continued to pay off the balance.
In XX/XX/XXXX I received collection statements from XXXX XXXX representing themselves as a collection agency for Portfolio Recovery Associates. In XX/XX/XXXX, XXXX XXXX filed a petition against me claiming they were representing Portfolio Recovery Associates. I filed my Answer denying the claim within ten days and requested, on the court document, that XXXX XXXX cease and desist from further contact with me, from all phone calls, mail correspondence and court petitions. I then filed a complaint ( # XXXX ), as mentioned above, against XXXX XXXX, and also requested that Portfolio Recovery cease and desist from their pursuit of false claims.
I want Portfolio Recovery to remove themselves from my credit file with all three credit reporting agencies. I want them to cease and desist from pursuing me for monetary gain.
|
| 02/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
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Web |
|
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XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX XXXX XXXX XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 11/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I disputed my account with PRA, and verified that the debt was from XXXX XXXX. The reason for the dispute was that I have had XXXX accounts with the original creditor since this account and did n't know that the debt had been sold. Once verified, I contact the company to try and settle the debt.
First, I was told that I could pay for the deletion of the trade from my credit report. I told the representative that I would call back to make the payment and fulfill this agreement.
Next, I called to settle the balance and was told that " they did not do pay for deletes '' which was the complete opposite from the understanding that I had.
I was told that I needed to contact the original creditor to have this deleted -- very confusing. I called the original creditor, XXXX XXXX, and they said the debt had been sold to PRA, they had no control over the reporting, and were not sure why I was told to contact them.
I called back, got another representative and she told me that I needed to pay the balance, and then contact the credit reporting agencies to have it removed. Again -- very confusing and false information. Once she 's caught herself on what she had said, she put me on hold.
A manager ( who started off very polite ) then gets on the phone and tells me that " they just had a meeting yesterday, and no collections agency is allowed to remove information from an account now. '' -- once again, FALSE, and fabricated.
She said that PRA was not even concerned about receiving the full amount. They just wanted a portion, so that it could be marked as paid, then begins to offer me {$20.00}, {$30.00}, {$40.00} off of the balance. I told her that the amount was not an issue -- I just wanted the trade deleted as promised, upon full payment. She then proceeds to offer me {$90.00} off. No thank you.
I told her that I would contact the CRA 's as her employee instructed, and that I would get back with them. She then proceeded in a demanding, condescending and very abusive tone to tell me that I needed to accept their offer and that the credit reporting agencies would be able to do nothing to help my situation and that she had been working at PRA for 6 years and proceeded to tell me " exactly what they were going to tell me. It almost felt like she was trying to make a sale.
Still, I got nowhere on the initial agreement to have this account deleted upon full payment.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was served with a court summons for a debt originally with XXXX XXXX. First, Portfolio Recovery Associates , LLC never contacted me whatsoever prior to this court summons. I received not a single call, email or mail correspondence from them and they provided no such documentation in the court documents. Second, I contacted XXXX XXXX over a year ago, in roughly XXXX of XXXX to report a fraudulent line of credit and charges that occurred out of state that were not mine. I was told by XXXX XXXX that the account was closed with a XXXX balance ( I was also told this by XXXX XXXX yesterday XX/XX/XXXX ). I have been locked out of this XXXX account for over 2 years therefore having no view of any additional activity that may have occurred and Portfolio Recovery Associates , LLC also provided no such documentation in the court documents they had me served with. I have no access whatsoever and have not had so, to any itemized list of charges for at least 2 years. After investigating this more on XX/XX/XXXX, Portfolio Recovery also added a {$5100.00} debt to my credit report, again after never contacting me about this!
I did not open a line of credit with XXXX XXXX whatsoever and both this line of credit and the charges, especially out of state charges, as due to identity theft. I report was filed with the FTC Identity Theft Dept. and the report number is XXXX. A complaint was also filed here against XXXX XXXX for mishandling this situation over a year ago.
I spoke to XXXX, Manager of the XXXX XXXX Fraud Department yesterday, XX/XX/XXXX, with an employee ID of XXXX who apologized for this issue as again, he showed my account was closed, showed a XXXX balance and confirmed I've had no access to the account, didn't even have access to a XXXX XXXX account number ) the only number I have is the last 4 digits Portfolio Recovery Associates , LLC included in their court documents- the full account number hasn't ever been provided to me ). XXXX XXXX has once again opened a claim as fraud and advised I'd receive a letter from them confirmed the investigation is underway. The results of the investigation, however, can take up to 60 days.
I attempted to reach out to Portfolio Recovery Associates to inform them of this situation and they will not take my call. As soon as someone answers, they hang up on me! I don't have an email address that I can find to reach out that way.
|
| 01/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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On XX/XX/2020, at XXXX XXXX EST, my XXXX year old son missed a phone call on his cell. My son has had this phone number for about a year, and he received the phone number from the mobile carrier when we opened his phone account. The call that he received was from Portfolio Recovery Associates ( " PRA '' ), using their phone number of XXXX. My son showed me the missed call, and as his father I called PRA back. I identified myself by first name, explained the situation to the PRA agent, and let him know that we have had other creditors call as well over the past year, and we had had them remove the number from their systems without difficulty. I asked that my minor son receive no more calls from PRA. However, the agent refused to do this unless I provided my own personal information ( full name, address, etc. ) to him. I did not want to do this, and explained this to him, but he insisted that it was PRA policy that I provide my PII in order to get my son 's number removed from their system. We went back and forth like this for a few minutes, at which point I informed him that I would be filing a complaint with the CFPB unless he would commit to removing my son 's number from their system. The call did not end amicably as I terminated the call.
I feel that this is an unfair or abusive practice. My XXXX year old son should not be receiving collection calls from a debt buyer regarding another person 's debts, nor should I be required to provide my own PII to PRA in order to get my son 's number removed from their system of record ( and run the risk of my own name somehow getting tied to that particular debtor 's account ).
After I terminated that call, I noted that my son had missed a second call from PRA the day before. So I called that number back, this time XXXX, and spoke with another agent. I again explained the situation. Fortunately, she was willing to remove his phone number from their system without any difficulty and without my providing my own PII.
In light of this second phone call and the ease with which I was able to remove the number, I now wonder whether the first agent I spoke with was simply untrained, or else if there truly is a policy issue in play at PRA. Either way, at the end of the day, I don't want them trying to collect money that someone else owes from my XXXX year old, and it should not be difficult to get them to stop doing it.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
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| 08/05/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX TODAYS DATE:XX/XX/ PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XX/XX/, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
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| 02/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I writing this letter filing a complaint against PORTFOLIO RECOVERY ASSOCIATES LLC : Account # XXXX ORIGINAL CREDITOR ; XXXXXXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I wrote to PORTFOLIO RECOVERY ASSOC LLC on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if PORTFOLIO RECOVERY ASSOCIATES and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the XXXXXXXX XXXX failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.
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| 12/03/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I originally filed a complaint against Portfolio Recovery Associates on XXXX XXXX following their refusal to properly validate an alleged debt in my name. In the time since, I have disputed the debt with the XXXX major credit bureaus, I have filed complaints against Portfolio Recovery with both the CFPB and the XXXX, and I have directly communicated to Portfolio Recovery their violations of FDCPA legislation. They continue to not take this matter seriously. Although I have decided to move forward with legal action against the company in Federal Court for the District of New Hampshire, I still want the CFPB to be involved in this matter. The CFPB has already had significant dealings with Portfolio Recovery and it is important that the Bureau be aware that Portfolio Recovery has not made any meaningful changes to its business practices as they relate to compliance with established federal law.
As of the date of this renewed complaint, Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me, that the amount they are claiming is accurate, or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time, they mailed to me an old credit card statement that actually showed a {$0.00} balance with no reflection of the amount they are attempting to collect. Additionally, in their written response to my prior complaints, they promised they would perform further research and deliver to me more detailed documentation. I have yet to receive any such paperwork. Meanwhile, in defiance of federal law, Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple.
Finally, not only is this an un-validated debt, their reporting of this debt to my consumer reports is riddled with errors. They report themselves as a traditional " revolving '' account rather than as a " collections account '' as they are supposed to. And there are other errors, as well, which my lawsuit details. Please see attached documentation for evidence of these errors.
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| 07/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX. PORTFOLIO Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 07/24/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Notice for Proof of Claim Account : PORTFOLIO RECOVERY ASSOCIATES LLC XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this FRAUDULENT ACCOUNT??
debt.
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| 07/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Notice for Proof of Claim Account : XXXX # XXXX, XX/XX/XXXX# XXXX, PORTFOLIO RECOVERY # XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 08/14/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing
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| 03/31/2016 |
Yes |
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Web |
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I took out a credit card with XXXX XXXX, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in XXXX ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by XXXX. when I asked the attorney representing them where and how was this balance transfer was done, he was unable to provide me with more info. never was I ever told this this was not the item that I had continuously fought them. in the recordings I was never informed of this " balance '' transfer to have requested proof of how this was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non XXXX credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this.
my name is : XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX CA XXXX, cell : XXXX. portfolio recovery assc llc accnt # XXXX email : XXXXXXXXXXXX
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| 03/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/2020 PORTFOLIO RECOVERY A Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 11/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX TODAYS DATE : XX/XX/XXXX PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #.
XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request.
XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted XXXX by phone to dispute accounts and explained what I believe transpired.
XX/XX/XXXX - XXXX completed dispute XXXX XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX {$6800.00} XXXX/XXXX XXXX - they said they reported accurately {$1000.00} XXXX/XXXX XXXX - they said they reported accurately {$540.00} XXXX/XXXX XXXX - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} XXXX XXXX XXXX XXXX - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX XXXX - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with.
XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
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| 06/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 08/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes.
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, Portfolio Recovery Services stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. Portfolio Recovery Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Subject : Inaccurate information on Credit Reports To resolve my complaint with XXXX Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX Portfolio Recovery Associates is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts.
On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX XXXX$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX Portfolio Recovery Associates removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries.
On XXXX ( XXXX Score XXXX ) XX/XX/XXXX XXXX, XXXX Portfolio Recovery Associates original creditor XXXX XXXXXXXX XXXX collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. 36 Closed accounts.
Please correspond and update all inaccurate information accordingly, Thanks.
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| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX PORTFOLIO RC no additional information on consumer credit report provided by XXXX XXXX. I do not have nor ever had an account with Creditor Name PORTFOLIO RC Or Original Creditor XXXX XXXX XXXX reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- online research for this debt Original Creditor XXXX XXXX XXXX- this creditor is large and they are unable to provide me with the right branch because I do not have No account number, no report on my credit report from XXXX XXXX .
STEP 2- Conducted an online search for contact information and called PORTFOLIO RC - Customer service : XXXX ( XXXX ) XXXX PRA Group , XXXX. is a publicly traded global debt buyer based in XXXX , Virginia . PRA Group- After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact.
UNABLE to obtain answers and upset after so many phone calls from portfolio recovery, I confronted the caller and demanded my information to be verified- they declined to validate my information and instead wanted me to provide them with my personal information. If they are harassing me, they should be able to validate it is me? no?
Went online tried to see if I could find my information by using the I forgot my password- no result.
Again, the issue is they force you to provide your personal information willingly- entering volunteering information without validating this is you. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account was not found STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead, they have used my calls as acknowledgment of this debt Creditors PORTFOLIO RC and XXXX XXXX credit reported PORTFOLIO RC. XXXX XX/XX/XXXX XXXX XXXX PORTFOLIO RC Account No. XXXX Original Creditor. XXXX XXXX XXXX Responsibility. Individual Condition. Derogatory Original Balance. XXXX XXXX. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
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| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery XXXX, for committing identity theft. I have never given Portfolion Recovery XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with Portfolio Recovery A and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from Portfolio Recovery A, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO XXXX PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Portfolio Recovery Associates has not provided any contract that I have with this company. Portfolio Recovery Associates has provided information with XXXX XXXX XXXX and XXXX XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has been reporting false claims of consumers owing them money illegally.CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XX/XX/2015 CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated theXX/XX/2015 order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable.
After getting caught red-handed in XX/XX/2015, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX XXXX CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. This proves the fraud that is committed by Portfolio Recovery Associates
|
| 01/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me.
XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online.
It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.
|
| 07/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX XXXX XXXX I received a letter from XXXX XXXX stating that a debt was sold to Portfilio Recovery Associates ( encl 1 ) I responded to Portfolio Recovery Associates LLC on XXXX XX/XX/2019, with 2 letters to 2 different locations with a request for validation of the debt, which included a full accounting of all charges ( encl 2 ). One letter was delivered onXX/XX/19 and the other XX/XX/19 Encl ( 3 ) and ( 4 ). Portfolio Recovery Associates did not respond until afterXX/XX/19 ( 35 days later ) with a cover letter dated XX/XX/19 ( encl 5 ), containing 3 statements with payment due dates of XX/XX/17, XX/XX/18 and XX/XX/18 ( encl 6 ) ( encl 7 ) and ( encl 8 ). The cover letter states that Date account opened provided by the seller wasXX/XX/17, yet none of the statement provided to me had charges from that date. The oldest statement was dated XX/XX/17 and shows a previous balance of XXXX ( encl 6 ). The most recent statement datedXX/XX/18 ( encl 8 ) had a commingled charge of XXXX which was said to be the value of the purchase of the debt. However, the charge appeared on a statement which was supposed to be proof of charges I had made and not a transaction between XXXX XXXX and Portfolio Recovery. So far Portfolio Recovery Associates has responded beyond the 30 days allowed by law ( 15 USC 1692g 809 ( a ), When they did send documents, they were not a full or accurate accounting of the charges they allege I owe. Portfolio Recovery Associates had this debt put on my credit report undisputed and without proper verification which is a violation of 15 USC 1692g 809 ( b ) and ignoring my written request to have this alleged debt validated and continued collecting 15 USC 1692g 809 ( b ) .They also continued to collect after receiving a cease communication notice 15 USC 1692c 805 ( c ). The second letter I wrote to them is dated XX/XX/19 encl ( 9 ) and certified receipts encl ( 10 ) explaining to them that they had not provided me with the documents that would validate the debt accurately or in a timely manner, and that I insisted that they removed if from my credit report. They sent me a response with a cover letter dated XX/XX/19 encl ( 11 ) which included the same 3 statements encl ( 6 ) ( 7 ) and ( 8 ) stating that PRA LLC has obtained and reviewed the attached documents related to this account, which establish its validity.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I found the letter where it fell behind my desk and was surprised to see it was from an attorney. And that PORTFOLIO RECOVERY ASSOCIATES was who he was representing. But all it stated was the amount no other detail. It had been over 30 days so they wouldn't validate it and i didn't want i didn't want to risk restaring the timer on and statues of limitations. So I started looking for something that matched it i went and started looking through every old credit report i could find and never found anything that matched it. Could not find anything that matched the amount or the last 4 account number they gave. So i started researching portfolio recovery to try and find their contact info and seen a lot of the complaints against them. So i reread the letter and kept researching and realized that even though it stated authority for their client but all the way at the bottom never noticed before but it says this communications is from a debt collector .... ok so then XXXX XXXX XXXX owned but they were attorney 's so i looked them up and couldn't find them in Arkansas i searched the list of who i assumed were attorney 's and searched all attorney 's offices in XXXX XXXX. No luck so i did more research because something was wrong i didn't show their collections couldn't find anything matching it in my history. Now i wasn't sure who owned or who sent the letter. Couldn't find the attorney 's and given how they word it like they were attorney 's but state that they were debt collectors meaning they weren't attorney 's i don't think anyway I'm still confused on that part but i started reading all the attorney letter head and noticed where it said licensed in Missouri .... So the law office in Arkansas is licensed in Missouri? So they were attorney 's and not a debt collector? So started looking there but still no luck. But eventually i found my way here and hopefully some help. I'm not sure if they took legal action or not and still waiting for them to report to a credit report company. I have seen they have been ( they being portfolio recovery associates ) making soft inquiries but i just noticed the letter never actually says their client is portfolio recovery associates they are just referred to as re in the address area above my name. So i am not sure if it is portfolio recovery associates or XXXX XXXX XXXX or mystery client.
|
| 12/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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This complaint is in regards to the Enforcement Action taken by the CFPB against XXXX and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney.
Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed XXXX judgments against my mother. Copies of these judgments can be provided if needed.
Paragraph XXXX under XXXX XXXX of the Consent Order XXXX XXXX XXXX. XXXX ) signed on XX/XX/XXXX, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately {$3400000.00}, Respondent must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Time-Barred Debt Collection Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period in Time-Barred Debt Collection Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt.
- '' Relevant Time Period '' means the period from XX/XX/XXXX to the Effective Date.
- '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns.
- '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( XX/XX/XXXX ).
|
| 11/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATES is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize Portfolio Recovery Associates obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. XXXX XXXX XXXX illegally transferred the account in reference without lawful authority to Portfolio Recovery Associates which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with Portfolio Recovery Associates and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification Portfolio Recovery Associates is committing aggravated identity theft. Portfolio Recovery Associates is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform Portfolio Recovery Associates that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I have requested, and on numerous occasions - a Do Not contact and from this debt collector.
I am reliant on a Do NOT Contact description from FDCPA.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications.
The CFPB has them as well.
I have also - never, asked for a VOD. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that.
Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with.
The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever.
You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact.
The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf.
At some point, the actual penalties will be real - and outweigh your actions.
We are at the cusp, remember there is a class of people.
Do not contact any one for anything.
|
| 09/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Portfolio Recovery Associates , LLC you failed to give me a right to dispute in your initial notice which you say was XX/XX/XXXX, I received the initial XX/XX/XXXX, which I immediately sent a dispute letter asking for validation of the alleged debt, you replied back about 5 months later saying you found no evidence of my disputes, but I have two returns receipt that states otherwise, and both receipts signed by the same person. PRA LLC according to FDCPA you in violation of 15 usc 1692e ( 8 ) you failed to report to the CRA 'S that this account is UNDER DISPUTE, according to FDCPA PRA LLC was supposed to cease desist all collection activity act until the alleged account was validated you continued to report according to FDCPA you are in violation of 15usc 1681b ( 2 ) Permissible Purpose to the consumer to whom it relates, I'm the consumer to whom it relates Permissible means- written instructions from the consumer, permissible purpose means consent, without permissible purpose means- identity theft. PRA LLC you said you didn't need my permission when does your company policy overrule FDCPA federal law rules? Do have a signed SSA Form meaning Social Security Administration of me giving you consent to have access to my social security number I know I didn't give it to you. PRA LLC stated I owe you an alleged debt XXXX I would like to know what the arising transactions was PRA LLC and I have for me to be obligated to pay your company for this alleged debt.
According to law debt means ( transaction ) what instrument or goods did you provide me for me to owe you this debt. On my last attempt to reach out to your company you sent me a bill statement that is not a sufficient validation of this alleged debt. I need a contractual agreement between PRA LLC and I with my signature agreeing to this obligation. Also, it states on my consumer report I opened this account on XX/XX/XXXX but it says my first day of delinquency was XX/XX/XXXX so question to PRA LLC if I opened the account in XX/XX/XXXX How can my first day of delinquency be XX/XX/XXXX? That means this account was re-aged you are in violation of 623 ( a ) ( i ) ( a ) ( b ) false and misleading you are willing fully in non-compliance in the event you continue to report this that's a direct violation of the FDCPA for each violation I am subject to XXXX dollars.
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Under 15 USC 1692g Portfolio Recovery XXXX, XXXX dont have the permission to say I owe anything.
Under 15 usc 1602i " characterizes the transaction as one in which the party to whom credit is offered r extended is a NATURAL PERSON '' .thus as per this statute, a consumer is a natural person, thus, can not be a organization which makes me XXXX XXXX the original creditor.
Under 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Portfolio Recovery Associates have committed five violations Under 15 USC 1692k 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
|
| 09/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC # XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is not my debt and this company violated multiple consumer laws, including reporting an inaccurate debt and failing to respond to my timely debt validation request. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, nor did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. I also disputed other debts that this company claims I owe. In response to 3 other disputes, I received credit card statements showing a completely different amount that did not at all validate or explain the amount they are reporting. In response to my dispute regarding this specific debt, PRA did not send me a single document to validate that I ever had this account, that it is my debt, or that the amount is accurate ; I did not receive a single item from PRA in response to this, other than a recent letter from them offering a settlement payoff that did not address the accuracy or validity of the debt or acknowledge that I disputed this debt. It is my belief that this is not my debt and that is perhaps why they did not attempt to respond with anything, I do not believe this is a valid debt. i do not have this account on my credit report, so I believe the original creditor also does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report. The amount in question for this account per their debt collection letter attempt to me on XX/XX/21 is XXXX
|
| 05/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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My name is XXXX XXXX. Portfolio Recovery Associates started recording on my credit report two accounts. I paid one to get it off my credit and then started wondering if these were actual amounts due. I wanted proof of ownership from Portfolio recovery and I was told they do not have those documents. I wanted a application showing that I acknowledged any terms from XXXX XXXX. They could not supply me with any documents and informed me that they do not have these documents. I was told by XXXX XXXX on a recorded line that there was a charge from XXXX XXXX that they maybe can get a contract from XXXX XXXX to prove that I acknowledged an application. I'm quite skeptical as they can not supply me with anything besides a statement for either account. I also requested documentation as I believe I could have been part of a previous complaint issued regarding tactics that threatened me with attorneys. They can not supply me with any letters that were previously sent to me but only the letter showing that i paid the previous debt on ONE of the accounts they currently list on my credit. I would like answers as they keep telling me they will put in a request but inform me they have no idea what the turn around time would be on obtaining any documents.
Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX from XXXX XXXX XXXX on or about XX/XX/XXXX. Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or about XX/XX/XXXX and that a balance of {$1200.00} was on the account at the time of PRAs purchase.
Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXXfrom XXXX XXXX XXXX on or about XX/XX/XXXX.
Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or aboutXX/XX/XXXX and that a balance of {$730.00} was on the account at the time of PRAs purchase.
Please can you look into this and obtain documents from this company as they can not supply me with any information requested.
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX PORTFOLIO XX/XX/XXXX-XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XX/XX/XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Original Creditor, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity.
At the same time, Portfolio Recovery, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct.
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt.
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and Portfolio Recovery to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''.
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS.
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting.
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and Portfolio representatives simply mocked me.
|
| 05/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
I called " Portfolio Recovery Associates, LLC '' on XX/XX/2020 and spoke to XXXX XXXX in regards to a debt they have under my name and in collections in the amount of {$3200.00}. After attempting to negotiate and work out a deal, he transferred me to his manager named XXXX and she spoke to me on available options. I listened, but explicitly mentioned several times that I could not accept their offer. Again, I said that to them multiple times given that I could not commit. Well, they went ahead and WITHOUT my permission entered me into an agreement to pay {$2400.00}. It states ( I have their documentation of this payment plan ... they sent to my home ). They basically put that I accepted her offer and placed me in a payment plan that I never accepted. This is a deceptive practice that preys on the vulnerable and without my permission puts me in a terrible predicament to defend myself. According to XXXX XXXX, I am ALLEGEDLY being sued and this debt is in civil court ( they didn't want to provide me with any proof ). Stating that I agreed to this payment plan sets me up to lose that case because if I didn't notice, they could have claimed that I failed to uphold my payment plan ... thereby I lose my case. I only found out about this payment plan because I called a few days later and their new agent informed me about it. This is lying and an ignoble practice.After calling them and telling them I did not consent to this payment plan and it is falsified, they still continue with it and just sent me a letter asking for payment. They aren't listening.
My biggest concern is that if I did not call again I wouldn't have known about this plan they entered me without my consent. And if this matter is truly in court, this shows that I am in violation when in truth I never agreed to this deal. They have a recording of our call and I demand they be held accountable.
They violated Sections 805, 807, and 808 of the Fair Debt Collection Practices Act.
" Portfolio Recovery Associates, LLC should be held responsible for falsifying my consent into a payment plan. This is a deceptive practice, against the law, and intended to further implicate me in the debt. I look forward to pursuing this matter because the potential damage that could have been done shouldn't be taken lightly. I wonder who else have they done this to.
|
| 03/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has res
ulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
THE COMPANY, PORTFOLIO RECOVERY ASSOCIATES, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF '' ORIGINALLY ON MY CREDIT REPORT. THIS MEANS THE ORIGINAL COMPANY THAT PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS ALLEGED BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR XXXX. WHEN PORTFOLIO RECOVERY ASSOCIATES PURCHASED THE ALLEGED BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.
According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role and are only credit reporting agencies. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent.
On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' PORTFOLIO RECOVERY ASSOCIATES is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).
According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I have proof of claim from a prior complaint response from PRA admitting to their crimes of buying my debt and admitting to sharing my information.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
-In XX/XX/XXXX, I was sent a notice to my address in Michigan by XXXX XXXX XXXX XXXX XXXX that my debt ( collected after having to live off my card due to house and joblessness ) had been sold to Portfolio Recovery Associates , LLC for {$2200.00}. As I had already moved to Florida, this letter was not forwarded to me in a timely manner. At this time, it showed up on my credit report as a collection debt.
-Once I had obtained the supplemental information provided by Portfolio Recovery Associates LLC as proof of veracity of claim after disputing the collection, I was able to see the aforementioned notice, as well as a statement from Portfolio Recovery Associates containing my account number, the ( now corrected after an updated credit report request by them ) Florida address it was sent to, amount owed, contact information, etc. When I contacted Portfolio Recovery Associates, I was told they could not give me any further information because it had been transferred to be litigated.
-Three years to the day XXXX XX/XX/XXXX XXXX and two states later, apparently a lawsuit was filed against me in an attempt to collect the debt. I was never served a summons. Once I found out about and looked up the case, I saw they had the correct address but an incorrect name, one that was corrected with the credit bureaus two months after said debt was sold to PRA. Thus, the notice of 'summons returned served ' in the court review is incorrect. Once I learned of the suit, I submitted the necessary paper work on my behalf. After that, I didn't hear from them, nor did an updated search return anything.
-In XXXX of this year, I received a notice from the XXXX XXXX XXXX XXXX XXXX stating that the case was to be closed in a month due to lack of prosecution if no action takes place before then. Just before that dead line, the attorneys for PRA XXXX XXXX XXXX XXXX XXXX filed a motion to transfer the case to XXXX XXXX, citing that this was where they ( in fact did not ) serve the original summons. Once this was granted, they received a letter from the Clerk of Court stating they had 30 days to pay the transfer fees or the case would be dismissed. Two days before that due date, they submitted payment at the last minute. As of yet, I have not seen nor received anything from the XXXX XXXX XXXX XXXX regarding the matter.
|
| 02/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio recovery seems like a debt collector than strive off of misinformation & bullying people into paying debt that doesnt belong to them. If I owe a debt I have no problem paying it. What I will not do is pay a debt that is not mine. Because I know this debt is not mine I have written over 15 certified letter to portfolio recovery asking for them to validate the debt. They keep sending their computer generated letter saying their investigations are correct but no proof. They even restarted the debt to benefit there personal gain. They even reported the account as an individual but when I did my own investigation its a joint account open by my X husband without my knowledge or permission. I explain to them that they would never see a transaction signed by me because I never had or seen this card. They refused to remove this fraudulent account. They have been unable to provide any of the requested documents to validate they account & think what they say goes. I have rights & in a world where so much fraud is being done to every day people I refuse to be held liable for someone else debt. I was not even aware of this account because I had my own XXXX XXXX XXXX & was thinking the information was on my card not a fraudulent account not done by myself. Portfolio recovery refuse to validate the debt in the correct way & have the nerves to report a joint account as individual to trick me into thinking its my account & my debt. They are violating my rights & is even breaking the fair credit act. Even tho the Credit bureau have all the proof of this company basically committed fraud against me & reporting inaccurate information on my report being harm against me 2 of the 3 agencies have refused to remove it & I know Portfolio has not validate this debt in the lawful way. And I want to hold XXXX XXXX XXXX also accountable. They can not run a company base on lies for there own personal gain. By law if they can not validate & proof this account belongs to me then they must remove from my credit report. They keep sending me transaction history than can be done by anyone. Thats the purpose of fraudulent activities. Nothing showing a transaction made with my wet signature just computer generated papers that anyone can print up on a computer. They need to be a full investigation against this company.
|
| 04/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
|
| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf Portfolio Recovery Services LLC, who purchased the account from, XXXX XXXX XXXX XXXX XXXX
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort.
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}.
I created the account in XX/XX/XXXX. I ordered a sectional from XXXX XXXX XXXX, through XXXX XXXX XXXX. This was a XXXX term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the XXXX XXXX, XXXX XXXX XXXX account, once I received the sectional, XXXX month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months.
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was XXXX with COVID.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick.
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made XXXX payments by this time.
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail.
Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the XXXX payment, after I made XXXX months ' worth of payments and they are suing for the full amount of the sectional.
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since.
However, I received yet another citation from the civil court, this afternoon, XX/XX/XXXX.
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| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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DEAR PORTFOLIO RECOVERY ASSOCIATES OR XXXX XXXXXXXX ACCOUNTS ; YOU FAILED TO RESPOND AND YOU ARE REPORTING XXXX FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER HAD ANY PRIOR RELATIONSHIP WITH YOUR COMPANY OR ANY OF YOUR AFFILIATES.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO RC XXXX Your company have violated FCRA XXXX15 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
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| 06/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX-XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX-XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
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| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This communication is a follow-up in regards to closed complaint XXXX-XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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After notifying the Portfolio Asset Recovery company that XXXX XXXX places a cease and desist order on the account that they have reported on my consumer credit file, this company continues to willfully and knowingly engage in negligence and abuse of my consumer credit file by reporting negative marks against my credit reports, this affecting my credit scores. They show the account closed on XXXX and continued reporting through XXXX and XXXX as open accounts. Included are the screenshots of the reports. The closed report is XXXX, the payment dates showing negative are from XXXX and XXXX is shown with the green through XXXX XXXX. This company knows full well what they are doing and I have contacted XXXX XXXX regarding this, hence the cease and desist for this account. I am actively engaged in business with XXXX XXXX to this date and am requesting a full deletion of their account information from all of my credit bureau reports IMMEDIATELY. This company has a reputation for abusing consumer credit files and in particular accounts that they can not collect payment for. I will not accept this any longer, nor will I allow re-aging of the account to occur on any reports no matter where they are reporting accounts. I expect a full deletion of their account to be made upon receipt of this complaint and if it not done so accordingly, I will obtain permission from XXXX XXXX to seek statutory and punitive damages against this company for their continued abuse. I have the copy of the letter sent from XXXX XXXX stating the cease and desist order from their Corporate Office per my direct contact with the CEO and President. This company has not abided by this order and legal actions will be taken and the evidence of this letter shall be presented in a court of law showing the order from their offices. This companys reporting is so inconsistent and varying that it seeks to do more damage on a consistent basis to a consumers credit files, while intentionally violating the FCRA and FDCPA as well as state laws that protect a consumer from such abuses.i have also included a screenshot of the federal lawsuit brought upon PRA by the CFPB for willfully engaging in the same tactics and business practices to this day that it was found to be in violation of and ordered to pay millions in damages.
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| 10/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX time, I spoke with MrXXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by Portfolio Recovery to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. Portfolio Recovery is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like Portfolio Recovery to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring.
On XX/XX/XXXX, I reached out to Portfolio Recovery to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a Mr. XXXX XXXX. After that, I became XXXX. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.
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| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored.
Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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| 09/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 11/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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IN REGARDS TO COMPLAINT # XXXX. THAT WAS CLOSED. NEEDS TO BE REOPENED. THE COMPANY " XXXX '' STATED THAT THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTIONS ACCORDING TO XXXX XXXX XXXX. " XXXX '' HAS ADMITTED TO CREATING A DUPLICATE ACCOUNT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) I AM A NATURAL PERSON. " XXXX '' IS IN VIOLATION OF PURCHASING A DEFAULTED DEBT. UNDER XXXX XXXX XXXX ( G ) AS A FEDERALLY PROTECTED I REQUEST ALL DOCUMENTARY EVIDENCE UNDER XXXX XXXX XXXX OF SUCH CONTRACT EXISTS WITH MY SIGNATURE, DATE OF ORIGINAL CHARGE OR DELINQUENCY., AMOUNT PAID FOR THE DEBT THAT " XXXX '' ADMIT TO PURCHASING WHICH THEY ARE IN THEIR RIGHTS BUT MY INFORMATION WAS COMPROMISED AND THIS IS AN INFRINGEMENT UPON MY CONSUMER RIGHTS. YOU ARE ABLE TO REQUIRE ABOUT CONSUMERS LOCATION INFORMATION PURSANTED TO XXXX XXXX XXXX ( B ) FROM A PERSON CLOSE TO ME WHO DID YOU COME IN CONTACT WITH? THIS IS CALLED DEBT PARKING. I REQUEST A XXXX XXXX XXXX AUDIT XXXX XXXX XXXX ( XXXX ) ( A ). NO CONTRACT NO CONSENT IS IDENTITY THEFT, AS I WILL BE FORWARDING TO THE FTC. CLEARLY IN VIOLATION OF XXXX XXXX XXXX ( A ) AGGRAVATED IDENTITY THEFT. AGAIN CONSUMER DISPUTES THIS DEBT AND ALL CLAIMS IN ACCORDANCE OF XXXX CFR XXXX, TITLE XXXX XXXX XXXX, REGULATIONS Z AND REGULATIONS M. AS TO I WAS NOT NOTIFIED I HAVE A RIGHT TO KNOW WHAT THEIR COMMISSION IS IF THEY ARE SUCCESSFUL IN THE COLLECTION OF SUCH DEBT PURSUANT TO XXXX XXXX XXXX ( C ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( A ) ABUSIVE PRACTICES AND XXXX XXXX XXXX ( J ) XXXX XXXX XXXX XXXX Chapter XXXX, engaging in counterfeiting and such behavior is a felony according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) if a company has filed a XXXX they have committed XXXX XXXX and should be reported to the IRS XXXX under XXXX usc XXXX ( XXXX ) ( b ) no right to collect. if you are not affiliated with the united states XXXX and you are or are working with a private attorney. until you can produce a contract to collect services under XXXX XXXX XXXX you can not collect ant debt in the united states XXXX to XXXX XXXX XXXX CEASE AND DESISTS IN YOUR UNLAWFUL FURNISHINGS AND REMOVE FROM " ALL '' REPORTING AGENCY IMMEDIATELY. FOR MY EVIDENCE TO PROVIDE TO ANY COURT PROCEEDINGS I REQUEST XXXX FORM PLEASE SEND BACK ALL REQUESTED ITEMS LISTED HERE IN COMPLAINT
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| 08/03/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX PORTFOLIO RECOV ASSOC XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 08/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8 years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody
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| 09/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/27/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX purchased a debt owed to XXXX XXXX XXXX on a closed checking XXXX overdraft account. The original amount was approximately {$1000.00} and they have been attempting to collect about {$2400.00} through their assignee XXXX XXXX XXXX.
I have had multiple communications with XXXX XXXX XXXX about this matter indicating that I am aware of the debt and the balance of approximately {$1000.00} but I requested validation and verification of the debt, copies of invoices, billing statements, contracts supporting the balance they are attempting to collect for about 2 1/2 times what was originally owed.
I have made several payments in an effort to show good faith and my intentions to resolve the amount I actually owe although they have neglected to provide the requested documentation they are required to furnish by law ( FDCPA 95-109 808 = Unfair Practices and 809 = Validation of debts ).
I also disputed this with the credit bureaus and they validated this I believe illegally because they haven't validated the debt with me so how could they respond to the credit bureau complaint in the affirmative!
I have have already paid them {$1100.00} which is near the original amount I think I originally owed.
# 1 FDCPA violation by not validating the debt # 2 Potential violation by adding fees and costs not agreed to in the original contract # 3 FCRA violation - validating the account with the bureau after I disputed it ( back to # 1 -if they can't validate the debt with original contracts, documentation then how can they verify the debt with the bureaus Spoke with Ms. XXXX XXXX XXXX XXXX XX/XX/2021 @ XXXX MST.. she transferred me to XXXX " Camera XXXX? - Operation Manager who was unhelpful, he stated that I need to work through XXXX XXXX XXXX even though they own the debt and XXXX XXXX XXXX is only the assignee and I explained that XXXX XXXX XXXX 's portal has my account " disabled '' to access any info and no one replied to my last email several weeks ago on the validation, documentation request.
If XXXX had retained the account this communication issue with XXXX XXXX XXXX would not be an issue and now that there is a problem they are not taking any steps to intervene with the assignee to facilitate communication of the requested docs and resolution with my credit report.
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| 08/13/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Portfolio Recovery is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone.
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information.
I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account.
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable.
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was
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| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX Portfolio Recovery Associates, XXXX VA Re : [ XXXX ] Court File # XXXX To Whom it May Concern : I am responding to your contact about collecting a debt. You contacted me by phone and mail numerous times over the years and I have met those reach outs with proactive behavior and respect. I have identified the debt as a fraudulent, but your firm does not meet me with that same respect and my questions have not been met with answers. When reviewing your company I was astonished to see how you built an empire on ethnically debatable practices. My experience of years of harassment has been similar to the countless events articulated all over the Internet on your predatory behavior. Since this is the case, I have retained counsel to handle the issue in question moving forward.
I was in court with one of your attorneys in XX/XX/XXXX with XXXX XXXX in XXXX NY. First and foremost, his attitude and general behavior was less to be desired and far from professional. He treated me as a XXXX and made passive aggressive remarks about not being able to make payment. I was provided no documentation that validates that the issue in question was my debt. Therefore, I asked for your firm to provide me a copy of my signature, and if it was my signature - I would agree to pay the {$520.00} dollars offered to end the claim in court. I have not received any proof of signature after many requests from your attorney or company and this issue still lingers on my credit report.
Please contact my lawyer about this debt.. My lawyers contact information is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX : XXXX Thank you for your cooperation.
Sincerely, XXXX. XXXX XXXX XXXX This has been going on before XXXX and is still there today. Just recently from XXXX until today I have made many attempts to reach out to the law firm representatve XXXX XXXX XXXX well as the supervisor for portfolio recovery associates XXXX XXXX and I get, I will call you back from the Law firm and never received a call back and I can not help you from portfolio recovery Supervisor XXXX XXXX XXXX it is in the attorney 's hands.
I have made at least 12 calls from XXXX XX/XX/XXXX until the end of XXXX XXXX.
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| 06/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I wish to file this complaint against Portfolio Recovery Associates , LLC ( PRA ). PRA is a debt collection agency that has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and incomplete information to the credit bureaus.
Specifically, PRA has reported that I have a delinquent account with XXXX XXXX. I have requested that PRA give me all documentation of this account and payments, without correct respond and they have refused to remove the inaccurate information from my credit reports.
As a result of PRA 's inaccurate reporting, my credit score has been significantly damaged. I have been denied loans and credit cards, and I have been forced to pay higher interest rates on my existing debt.
I am requesting that the CFPB investigate PRA 's conduct and take appropriate action to protect my rights. I am also requesting that the CFPB order PRA to delete the inaccurate information from my credit reports.
I have analyzed the FCRA website, and I believe that PRA 's conduct violates the following provisions of the law : Section 1681a ( a ) ( 1 ) : PRA has failed to ensure that the information it reports to the credit bureaus is accurate and complete.
Section 1681b ( a ) : PRA has failed to provide me with a copy of my credit report upon request.
Section 1681c ( a ) : PRA has failed to investigate my dispute of the inaccurate information.
Section 1681i : PRA has harassed me in connection with the collection of the debt.
I have also analyzed the lawsuit that you linked to, and I believe that it provides further evidence of PRA 's history of violating the FCRA. In that lawsuit, the CFPB alleged that PRA engaged in a pattern of unlawful debt collection practices, including : Misrepresenting the legal status of the debt Harassing consumers Using unfair and deceptive tactics to collect debts The CFPB ultimately ordered PRA to pay {$24.00} million in damages and to implement a number of reforms to its debt collection practices.
Based on the information that I have provided, I believe that PRA has violated my rights under the FCRA and that the CFPB should take appropriate action to protect my rights. I am requesting that the CFPB investigate PRA 's conduct and order PRA to delete the inaccurate information from my credit reports.
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| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response??
furthermore PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( XXXX ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
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| 06/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have submitted a formal dispute in writing, whereby Portfolio Recovery Associates ( PRA ) has ignored my request to validate the alleged debt, and instead forwarded the dispute to XXXX XXXX from whom they purchased the alleged debt. This is unacceptable!
I am writing to address the potential false information that Portfolio Recovery Associates , LLC has reported in my credit report, despite my previous attempts to rectify this matter. The potential inaccurate item has not been removed, which if found to be inaccurate, is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
It has come to my attention that Portfolio Recovery Associates , LLC purchased an alleged debt on my behalf from XXXX XXXX XXXX, absolving me of any obligation or responsibility in regards to the alleged debt. To further prove my case, there exists no contractual agreement between myself and Portfolio Recovery Associates. I want to emphasize that I have never entered into any financial agreement or contract with Portfolio Recovery Associates , LLC and therefore, the claim of {$430.00} lacks any valid basis or legal documentation.
I demand that Portfolio Recovery Associates provide concrete evidence, which is the actual accounting and signed agreement between myself and Portfolio Recovery Associates that validates my obligation of the alleged debt of {$430.00}. A credit card statement is not evidence of any obligation I have to Portfolio Recovery Associates.
If such information can not be validated, I hereby demand the information be removed from my credit report. I also demand written confirmation of the removal of said items from my credit report.
Under the provisions of the FCRA, I am entitled to take further legal action if Portfolio Recovery Associates , LLC fails to comply with its obligations. This includes, but is not limited to pursuing litigation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for the unlawful reporting of false information and refusal to correct the inaccurate item.
I will hold Portfolio Recovery Associates responsible for any resulting damages, including costs associated with legal representation, loss of opportunities, and additional financial distress caused by the companies ' actions.
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| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.
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| 04/08/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX
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| 04/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ATTENTION DISPUTE DEPARTMENT PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 11/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have asked for validation of this debt and this company produces a doctored up statement saying that it was from XXXX XXXX. You can see that it is not an original document. This company is illegally trying to collect on a debt that I have no knowledge of nor owe, nor have ever done any business with this company. I have asked for documentation On the debt which i recieved some 3 or 4 statements showing an amount owed. They are stating they sent me information back in XX/XX/XXXX that I never recieved at all. They also sent another document saying something about a last four of a social. I recieved documentation from another collection agency with the attempt to collect this same debt.It 's unusual that I would received such notice from one agency but never got anything from portfolio recovery. At this point someone is not being truthful and are illegally trying to collect on the same debts. Portfolio recovery claims they have rights to collect as well as the other collection agency. How can 2 companies own the same account from the same creditor with the same exact account number. I have not recieved any purchase agreements, not a bill of sale, but purchase agreements showing this debt was bought from XXXX XXXX nor does it state it was bought from the previous collection agency first source advantage who claims they acquired the debt in XXXX of XXXX. If portfolio recovery claims i owe this debt then I need documentation proving their right to collect this debt. these companies by law are required to provide this information upon request. They have not produced any accountant records, transaction receipts with my signature, they have not produced any license to collect in the state of california which they are required by law to have. They have not produced any valid information that shows I owe portfolio recovery Associates or XXXX XXXX any money. They are violating my rights under the fdcpa as well as the fcra. They are also reporting a charge off every month to my experian report which is also another violation of the fcra known as re aging the account. A collection account can not report any payment history if a consumer did not enter into any agreements to make any payments to. This company is notorious for their illegal debt collection practices.
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| 08/31/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In response to the complaint # XXXX, Portfolio Recovery is misleading me to believe they are the owner of this account and have the right to collect on this account. Portfolio Recovery is a debt collector and is regulated by the FDCPA, Portfolio Recovery is now trying to present itself as an " creditor '' since they claim they allegedly brought the debt. By definition ; " Creditor '' means any person who was owed a Debt which was not in default at the time it was obtained by such person. When Portfolio Recovery obtained this account it was in default according to Portfolio Recovery, so therefore Portfolio Recovery is no creditor and is violating the FDCPA by trying to mislead me to believe they are a creditor when in fact by definition Portfolio recovery is a debt collector.
Portfolio Recovery has provided no proof that they have ownership and a legal right to collect on this account. They have not produced the original promissory note with my signature on it. I believe until proven otherwise since I never did business with them and never entered into any contract with them ; I have no obligation to this account and refuse any debt and any business with Portfolio Recovery.
According to the UCC if Portfolio Recovery is not the holder in due course of the instrument than they can not enforce collection of the debt. According to the FDCPA it is very misleading to claim they have legal right to collect this debt without really having any legal right. Portfolio Recovery never produced any documents that prove this legal right and ownership of this account, such as the original contract/promissory note. The billing statement do not prove my obligation to pay any debt. The billing statements are also in the wrong name, so I'm unsure if this debt is truly mine.
Portfolio Recovery is a debt collector trying to mislead me to believe they are a creditor which is another violation of the FDCPA and Portfolio Recovery is unlicensed in Nevada and should not be trying to collect any debt from residents within the state of Nevada. In Portfolio Recovery response to complaint XXXX, they never address the illegal activity of unlicensed debt collection. Portfolio Recovery is not licensed in Nevada and needs to cease collection on this account including credit reporting.
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| 09/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATEXXXX XXXX XXXX XXXX XXXX XXXX XXXX In response to CFPB : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 XXXX XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report 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 : date account open all sign original contract 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account 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, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
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| 05/29/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
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| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
PORTFOLIO RECOV ASSOC XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
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| 05/15/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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XX/XX/XXXX I c alled to place an order with XXXX clothing catalog. The sales rep kept insisting on signing me up for a credit card even though I told her no several times. I finally gave in and she charged the first order to the card. After I got the merchandise, I waited for the statement but never receive d one so I s ent the {$25.00} payment. I placed several more orders via mail and paid with a check. From XX/XX/XXXX t o XX/XX/XXXX I ne ver received any type of statement from XXXX about my credit account. I received a statement i n XX/XX/XXXX showi ng I owed {$180.00}. It was a past due statement and no information was on statement showing what was charged. I called XXXX and was told they would look into it. I did not hear from them and then I got a letter from Portfolio Assoc. Portfolio is a collection agency and I explained to them that I did not owe the money and explained to them that XXXX was taking care of the issue. I called XXXX again and the customer rep did not know anything about the account and showed I owed the money. I called my daughter, XXXX XXXX , to help me and she called the corporate office for XXXX and explained the situation. They looked into the account and told her that I was being charged for a {$14.00} " VIP '' service w ith the credit card. I never authorized the VIP service. XXXX researched the phone call and called my daughter back and told her they would credit all the charges since they were not authorized and they would contact XXXX XXXX XXXX on my behalf to get the account cleared. My daughter contacted the bank and everything was cleared on their end and my account showed a XXXX balance. I kept getting letters and calls from Portfolio and each call they were very rude and refused to work with me. I told them each time what happened and they continued to call. My daughter called XXXX XXXX again to see if they could send something to the collection agency to to me showing everything is resolved. They did send me a letter explaining that I am not responsible for the disputed account and the we sent it to Portfolio and it was received on XX/XX/XXXX . I thought the issue was resolved until I received anther letter on XX/XX/XXXX saying I stilled owed the money.
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| 11/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I found out a few days weeks ago that I had something on my credit when I went to go buy a house. After which I called the company who had it and found out that they did not notify me or give me the proper time to contest or pay it without it impacting my credit report. I reached out to the company in regards to rectifying the situation. I found out that they had an address that I have not lived in since XXXX. Then they said, well we have a XXXX XXXX XXXX I checked with the postmaster and got a list of mail delivered to my XXXX XXXX since XX/XX/XXXX when they reported this to my credit report, the same day they purchased the debt. Found out that it was XXXX on the dollar. After speaking with them I asked them how we can handle this and get it removed. I was never notified of it and was not given the proper opportunity to contest it or pay it. They did not want to comment but did want to make a payment arrangement. I said, well how about I just pay it in full, can we get it removed? They said, if you pay it today we will update the credit reporting agencies immediately to show paid and closed. Then after 30 days of the payment posting, we will remove it. I asked for it in writing, which they sent me a letter just saying they would remove it after 30 days I proceeded to pay the full amount of {$1800.00}. So, after about 5 days they sent one Update to my employer, XXXX, but it does not say closed, it just says XXXX balance and open, and they did not update my other two with either status. Now come to find out they after today XX/XX/XXXX after getting a background check they filed a XXXX XXXX complaint to levy my bank account for the full amount as opposed to the amount they paid for it ( {$140.00} ). ( XXXX ) http : XXXX? XXXX XXXX never provided proper notice for me to be able to defend myself nor did they verify the information and validity before providing the court with this information. NOW, to add to this further, after getting a fully detailed report on my credit report, I found that they falsified the information on my credit report saying I owe them more ( {$1900.00} ) than what they actually bought and made appear like I made a payment. This was to impact my score more than it should have been from the original creditor ( {$1800.00} ).
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| 11/10/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX.
I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement.
Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount.
I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.
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| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint.
On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided.
Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents.
Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report.
The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.
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| 09/20/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX v. XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
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| 05/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American |
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I've asked Portfolio Recovery Associates , LLC numerous times to provide purchase and monthly statements. As of today, I have not received any statements, yet I receive continuous phone calls and receive letters stating that I owe {$2600.00} for an account with XXXX who is the merchant and the seller, XXXX XXXX. This account was opened in the Spring of XXXX and there has been no activity on the account since XXXX. I initially disputed charges that were placed on this account with XXXX. After several conversations with XXXX regarding charges, I never received copies of the charges and all communications ceased. Years later I began to receive constant daily phone calls from Portfolio Recovery letting me know that this was now on my credit report and would impact my credit if I didnt send them money. I requested again, monthly statements and informed Portfolio Recovery that I had requested such from XXXX, but never heard back. I requested Portfolio Recovery to provide the same documents to show that I owed what they were claiming. I have spoken to them so many times, I've lost count. This debt is over XXXX XXXX XXXX, but I still receive phone calls constantly and receive statements that provide the account number, the merchant name, the seller 's name and the balance and asking me to pay the balance or chose a savings plan. After years of requesting actual statements, and not receiving and disputing the balance, I am frustrated, and tired of the constant phone calls and letter. The letter also states on the backside " NOTICE we are required under state law ( what state? ) to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws. '' CALIFORNIA : License Number pending. '' There are no rights listed at all. It is as though I have no rights and they don't have to provide any information that I've requested since XXXX. I tried in good faith to solve this issue but Portfolio has never sent any of the documents that I have requested to show that I made certain purchases that I disputed with XXXX and with Portfolio Recovery. I refused to make any payments until such time I was provided the documents. Since this time, I've received nothing but constant harassment.
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| 05/29/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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XX/XX/XXXX I pulled my bureau report and found that Portfolio Recovery XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute.
XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract.
XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's XX/XX/XXXX response was insufficient to determine if XXXXRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account.
XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed.
This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX.
XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for.
XX/XX/XXXX filed this complaint with CFPB
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| 04/04/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I discovered inaccurate information placed on my credit report by Portfolio Recovery Associates. I immediately took action. I called all XXXX credit bureaus and made them aware of the situation. As a result, they disputed the account. A week later Portfolio Recovery Associates responded to XXXX, electronically, stating " the account will remain on credit report. '' This raised even more concerns!! I did n't think companies could report inaccurate information on people 's credit and get away with it!! So, I sought out legal advice. I was made aware that I could write Portfolio Recovery Associates and demand that they send me legal proof and documentaion of the debt, Debt Validation. I was also warned to send my request certified mail to be sure they received it and could n't claim they did not. I am aware that Portfolio Recovery Associates have XXXX days from the date they receive my letter to respond with the legal documentaion.. I sent XXXX letters to Portfolio Recovery Associates, each certified, XXXX to their corporate location and the other to the location listed on my credit report. XXXX letters were received and signed for at each location on XXXX/XXXX/2015. XXXX was singed for at XXXX XXXX and the other at XXXX XXXX. the clock started on that date. XXXX DAYS LATER, STILL NO RESPONSE!! I never received a response from the company!! I am now demading the immediate and complete removal of any account reported on my credit report by Portfolio Recovery Associates. Portfolio has failed to send the legally required validation of debt. their firm has violated the law!! The Consumer Credit Protection Act, The Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Plus many more. Portfolio Recovery Associates have communicated and continue to communicate incorrect and defamatory information to third parties and the XXXX major credit bureaus. It is time for this to stop! I have suffered and cotinue to suffer damages. I am very upset at their firm 's business practices. I have suffered emotional distress from this. I am demanding that they delete any items they are reporting from my credit as soon as they receive this response from cfpb! Hopefuly they will respond to you guys because they have refused to do so with me.
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| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that PORTFOLIO RECOVERY ASSOCIATES is in violation of 15 U.S.C. 1692c ( a ) ( 1 ) of the FDCPA. A representative from your company called me after XXXXXXXX stating I owed a debt. I informed her this was an inconvenient time and after hours for me. She then proceeded to harass me and tell me it was only after XXXXXXXX which was very profane. My kids are in bed at that time and my infant was breastfeeding. I then demanded to be placed on the Do Not Call list. The following day your agent called me again from the number XXXX violating 15 USC 1692 d ( 5 ) and I repeated that I should be on the Do Not Call List, to which your agent then deceptively told me your company does not have a Do Not Call List. PORTFOLIO RECOVERY ASSOCIATES then sent statements in the mail from XXXX XXXX stating that I owe a debt. Pursuant to Pacific concrete FCU v Kaunaoe 62 Haw. 334 ( Haw. 1980 ) statements & consumer contract are not sufficient evidence of debt. I have previously disputed this account several times with the consumer reporting agencies. I have also filed an FTC report on this FRAUD and harassment for this alleged debt. As a result this inaccurate account has been removed from my XXXX and XXXX report since XX/XX/XXXX. However, PORTFOLIO RECOVERY SERVICES still continues to report this fraudulent and inaccurate account to XXXX as collections and is in violation of 15 USC 1692 e ( 8 ). PORTFOLIO RECOVERY ASSOCIATES continues to mail me several statements using deceptive means to collect the debt allegedly owed. I have no agreement with PORTFOLIO RECOVERY ASSOCIATES and did not give consent for my nonpublic personal information to be shared with this third party or harass me stating I owe any debt. This account can not be verified when it has already been validated as INACCURATE and has been DELETED from my consumer reports. Reporting this account to XXXX is FRAUD and a violation of the FDCPA and the Fair Credit Reporting Act.
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| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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PORTFOLIO RECOVERY ASSOCIATES Account # XXXX XXXX : I requested verification of collection account from PORTFOLIO RECOVERY ASSOCIATES. XXXX XX/XX/XXXX responded with account has been verified by the PORTFOLIO RECOVERY ASSOCIATES.
I contacted PORTFOLIO RECOVERY ASSOCIATES and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe XXXX. When, PORTFOLIO RECOVERY ASSOCIATES responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( XXXX ) stating that PORTFOLIO RECOVERY ASSOCIATES had purchased the debt, but did not provide any additional information spelled out in XXXX XXXX XXXX.
I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and PORTFOLIO RECOVERY ASSOCIATES ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX ( XXXX ) ''. My recent credit report from XXXX still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
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| 10/30/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The original balance on this account ( XXXX ) when I was laid off from my job was {$4400.00}. I have paid this amount plus any additional interest and late fees once I went back to work. The account went into collections in XX/XX/XXXX with XXXX XXXX which then became XXXX XXXX. I continued to pay on the account ; however I never received an actual statement from XXXX listing payments received, interest, etc., I only received an email telling me the payment was due and the balance. The last 'statement ' I received from XXXX was on XX/XX/XXXX and the balance was {$770.00}. I could not find a way to contact anyone to pay the balance in full ( no valid phone number, address, email address on the emailed " statement '' ) eventually a representative called me when the payment was late. I arrange a phone payment with the representative for {$360.00}, the representative agreed to remove the late fees and I promised to pay the remaining {$360.00} in XXXX, XXXX which I did. XXXX then sold the account with a balance of {$640.00} to Portfolio Recovery Associates. When they called me, I told them that the account was paid and a mistake was made but they insisted it was valid. I looked the company up online thinking that this was some kind of a scam, here is a link to what I found https : //www.consumeraffairs.com/finance/portfolio-recovery-associates-llc.html They continued to call me for the money, I believed it was a scam. I sent a letter to them in writing and via email that they were not to call me at work or on my cell phone but they continued to call. I ignored their letters and phone calls ( I did log them ) and now I am getting a letter from an attorneys office, XXXX XXXX XXXX threatening a judgement against me. Portfolio Recovery Associates also reported the debt to the credit bureaus, lowing my credit score that I worked really hard to bring back up and I am now being denied financing that I need for a new roof on my home! I have sent them a letter ( via regular and certified mail ) with the last statement, a copy of the funds sent from my bank, a phone log of all the harassing phone calls, a request that they acknowledge payment was made in full and that they correct the payment history information provided to the credit bureau.
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| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against Portfolio Recovery Associates , LLC and XXXX XXXX for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as XXXX XXXX has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I've never given Portfolio Recovery Associates , LLC my identifying information or XXXX XXXX the permission to share my identifying information. Being that Portfolio Recovery Associates , LLC has my personal information that is in fact Identity theft. Portfolio Recovery Associates stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( XXXX XXXX XXXX and the assigned ( Portfolio Recovery Associates , LLC ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 07/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXXXXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$480.00}. I sent a request to PRA as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute.
XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract.
XX/XX/XXXX a 2nd request for validation of debt was sent to PRA requesting the enclosed Debt Collectors Disclosure Statement ( DCDS ) be completed and returned within 30 days, because PRA 's XX/XX/XXXX response was insufficient to determine if PRA had the authority to demand payment of a debt that had been charged off by the Original Creditor and if so how much did PRA pay for the account.
XX/XX/XXXX response from PRA states that they have already answered the dispute and without returning a completed DCDS they state : Please be advised we have reviewed your dispute..... Our office considers this matter closed.
This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX.
XX/XX/XXXX a 3rd request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for.
XX/XX/XXXX filed this complaint with CFPB
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| 04/16/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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Portfolio Recovery Associates ( PRA ) has paid out millions in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. Portfolio Recovery Associates ( PRA ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from XXXX XXXX Account # XXXX. XXXX XXXX stated in XXXX XXXX credit bureaus that the account was sold to Portfolio Recovery Associates, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC v. Portfolio Recovery Associates ( XXXX ). XXXX XXXX admitted that the initial first late payment was XXXX XXXX. Accordingly, XXXX XXXX, based upon the 7-year rule FCRA has deleted the above referenced account. Portfolio Recovery Associates ( PRA ) by extension from XXXX XXXX has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that Portfolio Recovery Associates does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all XXXX XXXX accounts across the board with all pertinent credit reporting agencies. XXXX did through its own internal investigation remove all XXXX XXXX accounts and the collection of PRA. Portfolio Recovery Associates ( PRA ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by XXXX XXXX is the only item necessary to validate the removal date of the original account and any extension to a collection agency. PRA compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction PRA for trying to re-age a debt already proven obsolete by XXXX XXXX and XXXX major credit bureau, XXXX. PRA needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
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| 09/22/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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|
Web |
Servicemember |
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I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire.
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| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 02/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle.
I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX.
If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts?
The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.
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| 05/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On XX/XX/XXXX after reviewing my credit report I notice there was an error on my report from Portfolio Recovery Associates, LLC. I sent them a Certified Letter request them to explain to me what the debt was and provide me with documentation as the debt did not belong to me. On and or about XX/XX/XXXX I received a letter back from Portfolio Recovery Associates, LLC. stating the account was sold to them on XX/XX/XXXX and at the time of the sell provided an electronic file of business records containing information concerning the account. On XX/XX/XXXX I sent another certified letter to them disputing this debt as it does not belong to me and was looking for them to provide me with additional account information, signed contract, etc and or remove the erroneous debt from my credit reports as it is damaging my credit history. On or around XX/XX/XXXX I receive a letter via US postal service from Portfolio Recovery Associates Stating they have reviewed my dispute and there record indicated that they had already responded dispute and because my dispute alleges no new fact they will not be conducting another investigation and if they continue to receive correspondence from me regarding this dispute they already resolved they will consider my inquire as answered and no further replies will be forthcoming. On XX/XX/XXXX I sent them another Certified letter to Portfolio Recovery Associates LLC. On XX/XX/XXXX They responded back via US postal service with the same notice they sent me on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I then sent them another Certified more detailed letter a form requesting alleged amount, amount that was paid for debt, Name and address of alleged creditor, a contract with my signature, a judgement for this debt, name and address of there bonding agent has any insurance claim been made by any creditor and to date they continue to send me the same information and report this erroneous debt on my credit reports. This is defamation of character and is costing me greatly as I am looking to establish new credit. i am seeking your assisting with resolving this matter and have also been seeking counsel from an attorney to to file litagation for this violations if this can not be resolved immediately
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| 07/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Portfolio Recovery Associates LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Recently sent disputes to XXXX, the most recent dispute was sent to XXXX on XX/XX/XXXX for collections account with Portfolio Recovery for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX ) last date of delinquency was XX/XX/XXXX. Provided XXXX with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an XXXX representative the week of XX/XX/XXXX, who stated XXXX has my information showing the first date of delinquency as XX/XX/XXXX, BUT since Portfolio said the account was reported as accurate for the date of XX/XX/XXXX, XXXX has to follow what the creditor states, regardless of the proof on file.
This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. XXXX and Portfolio Recovery refuse to report accurate information, which has created denials for credit applications submitted during this timeframe.
Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery had first date of delinquency as XX/XX/XXXX.
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX.
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from XXXXPortfolio Recovery changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency.
The Portfolio Recovery account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. Portfolio Recovery can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. Portfolio recovery keeps adjusting the date, re-aging the account, which is illegal and XXXX supports this creditor in its illegal practices.
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| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Portfolio Recovery Associates referred to hereafter as " PRA '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from PRA that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX Eastern Time, I called PRA ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXXXXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXXXXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but PRA purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to PRA. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX XXXX the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
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| 02/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have paid off most debt ; all of my accounts in collections should be closed. I have confirmation emails I printed out. But one company in particular keeps resetting my balance after being paid off completely and closed. The balance I owed was a little over {$3000.00}. On XXXX, it states that the balance was {$0.00} in 2022. I started paying through a third party where my payments were distributed to all of the accounts in collections. I paid off most of them through this third party. I had to stop payments because this company kept harassing me. When I talked to them they said I still owe full balance and didnt see the payments and after an hour of fighting with them, they finally saw that I did pay and the balance left was a couple hundred dollars. So I ended up setting up payment plans with them ; two payments of {$70.00} and {$30.00} were taken out weekly or bi-weekly just to hurry up and close the account. But because of them forcing me to do payments with them instead, I couldnt go through the third party anymore because I was sure that they would still get the money through them. I finally paid the full balance of the two accounts I had open with them ( one ~ {$3000.00} & the other one ~ {$300.00} ) and Received confirmation. Then, after I lost my job they start calling again. They reset the balance and say I owe the full balance once again of {$3000.00} and they were trying to take money I dont owe them out of my account. I had to write my bank and tell them not to allow it because I already paid them off and now they keep harassing me- it has been four months and they call me every single day. I definitely over paid them. Well this is a reoccurring theme. A lot of debt collectors have been trying to scam me like this, but this one has been the worst. Portfolio Recovery Associates. I should have nothing in collections ; it should either be paid or disputed. This is what I get for trying to be responsible and do the right thing. This has made me stop paying everything all together. I swear since COVID, every one is scamming now and money is tight. My credit score was almost at XXXX finally, I worked hard to do that and now dropped to XXXX I really hope this isnt the reason why it did.
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| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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i reported to the credit bureaus XXXX, XXXX and XXXX that the account of XXXX was a fraudulent account. I submitted disputes on XX/XX/XXXX and XX/XX/XXXX, XXXX deemed the account as fraud and removed the item from my credit report. I placed disputes for XXXX with the two credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the account were completed and deemed to stay on report. I called and reached out to the XXXX on XX/XX/XXXX and the representative agreed there was information in my file stating that the account was deemed to be fraud in my favor and the account was to be removed off my file in XXXX. The representative the stated he sent a message to the department that was in charge to take off the issue. I then requested to have something in writing and he stated that there was nothing he can provide via email or mail. I stated this is troublesome to me because i been getting the run around and i needed something tangible to have for my records in case of future issues. He became frustrated so i requested to speak with a supervisor. He transferred me and when she was on the line she gave me a whole different store of not having a remove request on my credit report and that there was no fraud disputes on file that i had to actual start one with her. At this point i create one with her and reference the new FTC report i had to create because of them not having my information on file from the past. This company is very unorganized and i am very concerned that they are not trying to accommodate my concerns with this fraudulent case.
As for portfolio recovery services I placed disputes for two accounts ( XXXX and XXXX ) with portfolio recovery services and the credit bureaus XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The reasoning being fraud. On XX/XX/XXXX the accounts were cleared to be removed off my credit reports but for some reason they are still reporting on my transunion. I spoke to a representative on XX/XX/XXXX who has agreed that both accounts are requested for deletion to the credit bureaus which they also stated they would send me copies of this information with 5 business days in unmarked white envelops.
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| 09/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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In XXXX, Portfolio Recovery Associates filed a lawsuit against me over an account that was fraudulently opened online, one of many accounts. It was my very first time ever receiving a lawsuit from anyone. I did not know, or understand my rights under the FCRA. To be fair, this is a first time I dealing with an extensive identity fraud where I am struggling to restore my identity. As a victim of domestic violence, which began with Identity fraud, i learned over time the correct protocol with my situation. I filed police reports, FTC, and IC3 reports/ complaints as well as gave copies to the 3Bs as well as all Creditors/ Agencies showing that I am a victim of Identity Fraud. For the most part, some respectfully removed the accounts but others responded with they disagree since after their investigation, their reports are accurate. I then asked for copies of original contracts where it showed, I signed and dated. One responded with they decline to provide me what I asked, Portfolio Rec Associates, on the other hand sent me several letters this week, 3 of which they are closing and removing accounts. But the account, filed lawsuit in XXXX, in the letter was statements wrong information for example it says The account was active since XXXX. I know for a fact that is not true and I can prove it. None of which was the original contract, but the final page was the judgement in their favor. That was the concluding evidence for them to have it remain on my credit report, and approved by both XXXX as well as XXXX. I investigated further and found out that those statements are completely bogus. It is not an official statement, in fact, the return address does not in no way link to the bank. It links to random pdf files of other statements, then from those it links to a completely website where it shows where the money is really going.
I am beyond exhausted with this whole process. I am victim of identity fraud and XXXX XXXX survivor, XXXX for the second time because of my credit. Companies like Portfolio Recovery Associates pray on the most vulnerable as if its an easy target. Theres no telling how many other they have done this too. Moreover, only time will show who is honest and who was deceiving.
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX 2 ) XXXX XXXX ( XXXX ) ACCT # XXXX 3 ) PORTFOLIO ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
|
| 05/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this.
I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.
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| 07/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Portfolio Recovery Associates by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period XXXX Portfolio Recovery Associates is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Portfolio Recovery Associates communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Portfolio Recovery Associates has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Portfolio Recovery Associates must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
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| 02/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RECOVERY XXXX, VA XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 A or any company associate with this account # XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX, XXXX, XXXX, XXXX or any company associate with this account 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, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
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| 11/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 11/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 11/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 04/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 04/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 04/30/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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As a consumer, I am well aware of my rights. Therefore, I will clearly outline your ( Portfolio Recovery Associates ) repeated violations of 15 USC 1692c Violations XX/XX/XXXX First complaint submitted to the CFPB w/ Cease and Desist.
No resolution ; Continued communication XX/XX/XXXX Second complaint with Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XXXX Third complaint submitted to the CFPB with 3rd Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Recovery Associates A total of 16 correspondences received after Cease and Desist. See previous CFPB complaints for documentation.
Portfolio Recovery Associates never had permission to contact me, yet I continue to receive correspondence at the most inconvenient times, repeatedly. PRA has also confirmed receipt of 3 Cease and Desists by responding the correspondence, in which the Cease and Desist was included. I have spent countless hours responding to these non-factual and misleading responses from PRA. Additionally, this has caused substantial economic injury.
For your reference : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
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| 12/10/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full!
Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.
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| 06/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To whom it may concern, I want to file a complaint against, PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} PORTFOLIO RECOV ASSOC not only claims I owe {$3700.00} but have also filed a lawsuit against me which I had no knowledge of, they have a default judgement against me saying I owe {$3700.00} ( being sued for ) Superior Court XXXX, CA Case number XXXX ) plus attorney fees and which is now about {$3900.00}. My wages are being garnished, they have taken over {$800.00} in garnishments for an account I was sued for without being served with any paperwork. I dont have any money to cover my rent. I have XXXX kids ages XXXX, XXXX, XXXX and my fianc who not only live with me but also depend on me for support. I am the only one that works and provides. Im asking for help or assistance with these accounts. I work for a school district and only work 10 months, my last day of regular work was XX/XX/XXXX. I found out about these accounts on my credit through, credit karma. I initial disputed them on XX/XX/XXXX, and XX/XX/XXXX. Following my debt validation letters, I receive legal paperwork. Not once have they notified me of being sued or that there has been an order against me.
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which wereXX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated.
Acct # XXXX {$3700.00} ( being sued for ) ( being sued for ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} Acct # XXXX {$930.00} Acct # XXXX {$680.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters.
Thank you in advance XXXX XXXX
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| 02/24/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO RC acc # XXXX or any company associate with this account 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, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX ADDRESS XXXX, XXXX XXXX, FL XXXX
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| 03/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail.
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX.
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor.
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc.
Thank you, XXXX XXXX
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| 10/14/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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My husband and I are in the process of purchasing a home and refinancing a car loan. As I was the credit union to complete the refinance paperwork the loan officer asked me about a recent credit collection that posted to my account. I told her I had no knowledge of it and she gave me the information to contact Portfolio Recovery Associates who just reported a debt I admit I owe from a XXXX XXXX credit card. The issue is not about the debt the issue is the fact they did not notify me of my right to dispute within 30 days as I would 've called them immediately to take care of this because I do not need this kind of blemish on my credit. I spoke to XXXX XXXX to set-up arrangement and she began to verify my information and admitted they sent the dispute letter for this collection in XXXX to the wrong address I then asked so what happens after I pay in full will this be deleted from my credit reports. SHe told me no they do not delete and I have a problem with this because its easy to report so it should be easy to delete after paid especially since I was never legally notified. I was then escalated to XXXX who said the same thing then she asked me if XXXX XXXX notify me when they sold the debt to them in XXXX 2016 and I said no its not even about XXXX XXXX its about Portfolio informing me and I was not informed of this debt being sent to collection or given the chance to make arrangements prior to them doing so. I called back and spoke to XXXX and she said the same thing its policy that they do n't delete and I said even if I did n't get the notice because you sent it to the wrong address. She said its not their fault that it went to the wrong address her exact words. So I told her that I would be filing a complaint. I set up arrangements for this account to be paid on XXXX/XXXX/2016 all I want for them to do is delete it after it is paid because they are total violation of my consumer rights. they said they update the credit bureaus 10 days after payment that account is paid in full. Not happy about this. If the consumer is willing to pay as I never denied debt which they continued to harp upon it still does n't change the fact they acknowledged letter was sent to wrong address.
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| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
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| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt.
( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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| 06/25/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This letter is being sent to you in response to a computer generated, unsigned letter dated XXXX XXXX XXXX, letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : PORTFOLIO RECOVERY ASSOCIATES, LLC. The state law for OHIO in which I am a resident, your letter does not meet the minimum standards of the OHIO UNIFORM COMMERCIAL CODE Chapter 1319 : MISCELLANEOUS CREDIT TRANSACTIONS see 1319.12 O.R.C. Taking Assignment of Debt.
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| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This Debt Buyer, acting as a Debt Collector, continues to ignore the CFPB 's Consent Order 2015-CFPB-002 ; 1. PRA has not shown, nor do they have access to, account level documentation and continue collections knowing their data may be inaccurate/unreliable.
2. A letter provided by PRA, and likely provided to furnish certified information to the credit reporting agencies, which means to imply and display 's similar original creditors information ( XXXX XXXX XXXX XXXX ) and letterhead and other official proprietary markings falsely indicating that the original creditor is a participant in such collections-when in fact they are not.
3. I spent 3 years fighting such manufactured evidence in a local court on 2010 and here they are doing it again. I did sue and collect for FDCPA violations from their collector in the end. Can not say wh, in which case the affidavit then was robo signed-corroborating my concerns about their fake XXXX letter.
4. PRA " parked '' a collection account with all 3 CRA 's indicating I have an open account with them when in fact they know i do not have such. This clearly is an attempt to pressure me, a consumer, into giving them monies to improve my credit score. I am in fact harmed and deterred from applying successfully for credit because of their misleading/incomplete/disputed-particularly the amount, entry that ties my hands as a consumer.
5. PRA has not and will never have access to certified or other authentic copy of credit card bills amounting to their totals nor any such statements or contractorial signatures or terms of agreement.
6. PRA continues to defy the order above that, in connection with the collection of debt, Respondent, Respondent 's officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation v.rith any of them, who receive actual notice of this Consent Order, whether acting directly or indirectly, are permanently restrained and prohibited from making any material misrepresentation or omission or assisting others in making any material misrepresentation or omission, expressly or by implication, including but not limited to misrepresentations : ie. using a fake XXXX Letter.
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| 04/07/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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The Issue above is incorrect, I had to put something in. Sorry about that.
The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail.
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents.
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ).
Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX.
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me!
I am also attaching a page from each one of the reports I have mentioned above.
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| 07/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates furnished information on an alleged debt which is reporting on my XXXX and XXXX consumer files under two different truncated account numbers. Please see the attached certified mail receipts. I have disputed this alleged debt twice directly with Portfolio Recovery Associates. Old account statements from an original creditor are just statements but definitely not proof of third-party ownership. Nor is it logical to assert otherwise.
The alleged debt under Portfolio Recovery Associates was also reported prior on my XXXX consumer file. I disputed the alleged debt directly with XXXX, and the CRA deleted the unverified collection account following its reinvestigation. Please see the attached XXXX XXXXXXXX XXXX results. Sections 611 and 623 of the FCRA impose specific dispute investigation and resolution duties on CRAs and those entities that furnish information about consumers to the CRAs ( " furnishers '' ).
After receiving all relevant, consumer dispute information from the CRA, furnishers, such as Portfolio Recovery Associates MUST ( i ) conduct an investigation of the disputed information ; ( ii ) review the information transmitted by the CRA ; ( iii ) report the results of the investigation to the CRA ; and ( iv ) if the investigation determines that the information is incomplete or inaccurate, report those results to all nationwide CRAs to which the furnisher reported the original information, pursuant to FCRA section 623 ( b ), 15 U.S.C 1681s-2 ( b ).
There is no indication that Portfolio Recovery Services adhered to part ( iv ) of the required dispute process noted above. Information about the deletion of that account from my consumer file following XXXX 's reinvestigation does not appear to have reached XXXX or XXXX. The unverified Portfolio Recovery Associates collection account is still being reporting on my XXXX and XXXX consumer files. I want Portfolio Recovery Associates to explain why the results of the XXXX reinvestigation were not shared with all nationwide CRAs to which it reported the original debt collection information as the FCRA requires. This is my financial reputation and livelihood which must be taken seriously.
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| 04/13/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In a recent ( XXXX 2015 ) check of my credit report I discovered a derogatory listing from Portfolio Recovery Associates. This listing was been made with no notification to me and I did not receive my right to dispute. As I am unaware of any outstanding debts to Portfolio Recovery Associates, On or about XXXX XXXX, 2015 I made a written request for Debt Validation via XXXX Certified Mail # XXXX. I did not allege fraud or identity theft concerning this account. I was simply aware of any outstanding debt to this company. I have copies of this letter and proof of its delivery on XXXX/XXXX/2015 signed by XXXX XXXX. I received a response dated XXXX/XXXX/2015 stating if I wished to dispute the account to respond with a written request.
Despite having already notified PRA of my dispute and request for debt validation I responded to the correspondence sending yet a XXXX Debt Validation request to PRA via XXXX Certified Mail # XXXX. I have copies of this letter and its proof of delivery signed for by XXXX XXXX also. In this correspondence I requested any documentation that there was a valid basis for claiming that I owe the alleged debt or a copy of a the last billing statement bearing my name sent to me by the original creditor. I also requested a basic explanation of how the alleged debt amount was calculated.
PRA failed to cease all collection efforts until the full and complete validation was sent. On XXXX XXXX, 2015 a balance of {$3800.00} was reported which constitutes continued collection practices. Additionally at the time of my XXXX request the account still had not been marked " in dispute '' with the XXXX Credit Reporting Agencies. This was communicated to PRA in my XXXX request.
In XXXX 2015 I made a final formal request that PRA provide me with debt validation of this alleged debt account within 15 days. I also asked that If they were unable to do so for them to delete the harmful item from my credit files. I sent this letter via XXXX mail ( Certified # XXXX ).
PRA has failed to provide proper information regarding the debt. I am not aware of this debt and I would simply like proper information pertaining to it or to have it removed from my credit file.
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| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation.
PORTFOLIO RECOVERY denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation.
TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further.
My complaint is also with two bureaus XXXX, and XXXX who are allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or XXXX, permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.
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| 07/12/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is reference to Case No. XXXX previously filed with the CFPB. Overview : Since XXXX XXXX , PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX . I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA an d Federal Debt Collection Act. Follow-up Remarks : The response from Portfolio Recovery is an outright avoidance by skirting their responsibility to be in compliance with FCRA ; not to mention PORTFOLIO RECOVERY may have committed fraud! I have not " with confidence '' never received any response from Portfolio Recovery to date ( see attached ). My past experience with PORTFOLIO RECOVERY is whenever I dispute this alleged debt, PORTFOLIO RECOVERY will remove from my credit files at once and then resurface a few months later! Also I have noticed on my Credit Report are their attempts to obtain / access my credit reports ( over 120 attempts ) based on limited information with hopes of making a hit of the three rules debt validation. It 's because when I call them they keep asking for my " FULL '' SSN ( last four digit is not enough for them to locate " my file '' ). Also, the attached statements has an address that I have never, ever had a residence nor have I ever lived there! Once again, I demand proof this alleged debt is mine with proof of my signature and my Full SSN, not the last four digit of my SSN ( PORTFOLIO RECOVERY got the last four digit because of the requirement by CFPB and now illegally used this information to their advantage ). Furthermore, to help you resolve this, I was not even living in the States during the timeframe as per the " fabricated statements ''. I demand CFPB should investigate / prosecute this firm " Portfolio Recovery '' for fraud!
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| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1XXXX XXXX XXXX 2.Portfolio Recovery As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files.
Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable.
I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX.
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.
Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.
I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX
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| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement as evidence that they are, in fact, the holder in due course of the purported debt obligation. I have never entered into any agreement with or had any consumer transactions with Portfolio ; therefore, they are illegally trying to collect money I do not owe them because I am the original creditor. They also willfully committed fraud and identity theft by obtaining ( 8 ) credit card statements to show as proof of a consumer contract eight times. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Portfolio Recovery Associates, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself.
Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or
misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Portfolio Recovery Associates on XX/XX/2021, sent a written correspondence to me trying to obtain my identifying information, which is a violation by law. I believe there is no proof to the contrary.
Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation.
Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Portfolio Recovery Associates was violated when they shared my location information with a third-party company.
On XX/XX/2021, I sent a cease & desist letter, an affidavit of truth and an invoice to Portfolio Recovery headquarters. Unfortunately, they have yet to resolve this issue or compensate me for all the violations noted above.
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| 10/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, Portfolio Recovery Associates, LLC. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access PRA 's site and logged in, it then said that it can not display my account info at this time and to call XXXX, XXXX, XXXX, XXXX. I'm assuming said debt has been sold again? How is a judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX., suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.
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| 07/20/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : PRA I would like to dispute the following item on my credit reports : XXXX and XXXX XXXX Portfolio Recovery XXXX Partial account number : XXXX.
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time.
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to XXXX of {$600.00} as payment as XXXX requested. There was not notice by either party at that time the account was sold or transferred. PRA placed additional charges on the XXXX Balance placing demands after payment was made and forward to XXXX. I contacted PRA and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a PRA manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address.
I dispute the most recent change to Charge Off being report by PRA. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the XXXX XXXX. Also the Credit Union states the Cashier Check shows payment / cashing by PRA 1. XXXX : Charge Off : # XXXX ( Reporting ) Not PAID 2. PRA : Charge Off / Dispute payment was made prior to reporting being made to the 3 Bureaus : XXXXXXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX
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| 05/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This cause of action is for damages based upon Portfolio Recovery deceptive conduct and efforts to collect a debt, Portfolio Recovery failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, governing communication between a debt collector and consumer without my prior consent from the consumer, caused I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Portfolio Recovery extortionate means to collect a debt. I am bringing this notice to Portfolio Recovery attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into pay this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX
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| 09/03/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX is charging me {$1000.00} and keeps reporting it every month. I told them that my phone was stolen and tried to keep contacting customer service to shut down my plan 3 years ago and would never listen to me. This occurred over 3 years ago but they keep reporting it and would not take any of my calls after numerous attempts to try to contact to fix this issue immediately.
XXXX is charging me from XXXX XXXX of XXXX XXXX. I fell and hit my XXXX at XXXX XXXX because the floor was wet and hit on my XXXX on marble countertop. They insisted on calling the ambulance and getting a XXXX. I tried to refuse but was forced to do so and have many fees associated with that including {$180.00} fee from the XXXX Department of a XXXX I never received!
My ex, XXXX XXXX, opened up credit card accounts under my name during our relationship including numerous accounts with XXXX XXXX XXXX and drained all the money : {$670.00} {$950.00} XXXX XXXX XXXX with open balance of {$500.00}. I got a restraining order XXXX from my ex 5 years ago but the amount of fraud that took place during that relationship was detrimental to all my finances. Not only did he drain all my bank accounts that I saved for my tuition for school at the time ; he falsified my name on numerous credit cards and damaged my credit for years to come. For the past 5 years I have tried to speak with XXXX XXXX and XXXX XXXX XXXX XXXX about this identity theft and they will not budge nor help me. I was recommended by financial analyst to come to the Bureau so that I can finally help improve my credit.
I am looking to pursue my education and get my XXXX and want to move to do so. Growing up after my father passed, I wanted to be able to provide one day for my mom and at the age of XXXX I feel strongly about this desire. After working corporate and start ups for the past 7 years I feel that it is time to be able to finally accomplish this dream. I know it might not seem like a lot but these debts have been causing so many issues over the years and I want to be able to move forward and I don't feel right paying someone's debt who abused me financially and I was wondering what I could do next?
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| 07/28/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
Older American |
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My complaint is with Portfolio Recovery and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with XXXX XXXX which was farmed out to Portfolio Recovery for collection. I had paid off 2/3 of the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen Portfolio has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and Portfolio Recovery called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes later with Portfolio Recoverys usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it.
I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it.
Further the agent read a disclaimer to me that debt they are trying to collect maybe something which XXXX XXXX credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words?
I feel that while I owe XXXX XXXX, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped.
I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.
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| 07/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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|
Web |
Servicemember |
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This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX
|
| 07/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XXXX filed this judgment on behalf of Portfolio Recovery. Accoriding to the FCRA 605.
Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
2. Portfolio Recovery Asso. bought the debt from an undisclosed source several years after the statue of limitations ran out they hired XXXX, and or sold said debt to XXXX. XXXX in turn illegally filed an outdated judgment, against a man who is a victim of Identity theft.
3. I was in my native country overseas when the judgment was filed, I therefore could not have been properly served. for the court appearance.
4. For Portfolio Recovery has NEVER VALIDATED with an leaga documents properly linking me to the debt. to use the name XXXX PERSONAL INFORMATION to extort monies extortion, and discriminatory, this action is akin to IDENTITY THEFT I am are sure Portfolio Recovery the Credit Bureaus and XXXX are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. We therefore request that they cease and desist all debt collection practices. Their continued demand for money from our client is in violation of FDCP statutes 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts on XXXX XXXX credit is in violation of FCRA 611.
Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] We ask that the CPFB remind Portfolio Recovery and the Bureaus of the ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. I therefore request that you contact them demanding they validate this account. If they can not, they must cease and desist all debt collection practices and must delete and or block the account information from my credit profile according to FCRA 605B ( 15 U.S.C. 1681c-2 )
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I attempted to resolve the issue with this company via written communication as is my right via email. The company continued to ignore my requests and would only reply with " Call this number '' ( examples attached ). I notified XXXX XXXX & XXXX XXXX ( Third Party Debt Settlement Specialists ) on multiple occasions that I do not consent to my voice being recorded, and these individuals continued to insist on me calling their recorded line. They made no good faith effort to assist me with my issue. The issue at hand is the companies FCRA violations. I have no contract with this company. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I am aghast at this companies violative business practices. Not only does this company have no contract with me, they have no permission, but they are also reporting inconsistently on my consumer reports ( attached ). As a consumer, under the FCRA I am entitled to maximum accuracy on my consumer reports. This company has defamed my character, harmed my financial reputation, and is unwilling to work with me in good faith. Attached will be proof of not only my attempt to work with PRA Group, but also the federal violations. This alleged debt obligation has been on my consumer report for multiple years. I have been denied multiple extensions of credit because of this account. These denials are a direct result of this account being on my report illegally. As mentioned in 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. This company has a long history of abusive practices as can be seen by the complaints not only on the XXXX but also the CFPB. The CFPB has taken action against Portfolio Recovery Associates in the past for the same exact thing that is happening to me currently. There is no excuse for their action as they have been in business for over 30 years and ignorance of the law is not an excuse.
|
| 09/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.
|
| 01/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I have been disputing this debt since XXXX. The original creditor is XXXX XXXX which was my former employee for almost 20 years. Almost our entire site was laid off XX/XX/XXXX. I was paying my XXXX XXXX credit card with severance until it ran out. I called late XXXX XXXX about settling account and the CAP ( customer assistance program ) and was told I could not because I was current. I needed the account to be delinquent to do so. They would not allow me the hardship plan even though I didnt have a job and hadnt been approved for unemployment. Then XXXX happened in XX/XX/XXXX. I called back and tried to get a settlement but could not afford the amount plus I didnt agree with the negative or derogatory credit rating it would give me. I called and wrote complaints to the office of the president with no resolution. A year later and they sell my account to a debt buyer and delete their reporting from credit bureau. Now, I receive an update from the credit bureaus of a major derogatory impact from the debt buyer. I have not received any calls, messages or letters from them. I continue to dispute this as XXXX should not have sold this account while I disputed. I worked in the recovery department and saw they bent over backwards for customers who in fact owed but complained and threaten their reputation. I was drowning and asking for assistance and they refused to help me. No Covid relief or hardship help, all because I was current at the time.
Riddle me this, why would I as an excellent customer with no late payments intentionally damage my own credit? Who does that? I was proactive and reached out for help. I could not afford it then and cant afford it now. Covid still exists. I have twin sons in college and I can not pay this debt. Its settlement or bankruptcy which I dont want to do but will be left with no other choice.
Im disappointed that in this day and time, companies seek to make life harder for others. It should not be allowed.
No attempts to reach me. No letters and if calls were made, there was not a single message left regarding this.
Again, I dispute this debt. XXXX should never have sold a debt in dispute. They know better.
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After viewing a copy of my report, I noticed a collection account placed on my credit report from Portfolio Recovery on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector Portfolio Recovery is not licensed in the state of Florida to collect on this debt. Secondly, Portfolio Recovery violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Portfolio Recovery? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Portfolio Recovery has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Portfolio Recovery provides me with competent evidence that I have any legal obligation to pay them. I asking that Portfolio Recovery to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Portfolio Recovery immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Portfolio Recovery agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Portfolio Recovery agrees to remove my personal information from all accounts in its companies database.
|
| 09/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
PRA had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. XXXX XXXX please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX. I am filing this complaint for my self because I did not receive a response for debt validation from Portfolio Recovery Associates as previously requested.
I am in dispute of the account you are furnishing against my consumer report. I am requesting validation of this debt using the exact criteria below.
Please provide the following : Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account # Address on file for alleged debtor.
Alleged account # Amount of alleged debt.
Date ( this alleged debt became payable ) Date of original charge or delinquency.
Was this debt assigned to a debt collector or purchased?
Amount paid if debt was purchased.
Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with me that grants Portfolio Recovery Associates the authority to collect this alleged debt.
Signed agreement I have made with Portfolio Recovery Associates, or other verifiable proof Portfolio Recovery Associates has a contractual obligation to Portfolio Recovery Associates. Any agreement that bears my signature and the XXXXignature of Portfolio Recovery Associates or their registered agent, wherein agreed to pay Portfolio Recovery Associates.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Please circle yes or no Yes No Please provide the name and address of the bonding agent for Portfolio Recovery Associates in case legal action becomes necessary : Authorized Signature of Portfolio Recovery Associates : ______________________ Date : __________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not give PORTFOLIO RECOVERY ASSOCIATES LLC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation.
PORTFOLIO RECOVERY and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting incomplete and inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give PORTFOLIO RECOVERY permission which is another violation.
TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with PORTFOLIO RECOVERY yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further.
My complaint is also with XXXX who is allowing PORTFOLIO RECOVERY to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.
USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.
|
| 10/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio Recovery Associates sent me the consumer [ XXXX XXXX ] a letter on the following date XX/XX/2023 about an alleged debt.
After looking into the alleged debt in all three ( 3 ) Credit reporting agencies I then moved forward to dispute this alleged debt with Portfolio Recovery Associates.
On XX/XX/2023 I sent Portfolio Recovery Associates a Dispute letter tracking # XXXX of validation of the debt.
I did receive a response from Portfolio Recovery Associates on XX/XX/2023 with a validation of the alleged debt. After reviewing their validation letter, Portfolio Recovery Associates did not send me proper and lawful validation according to XXXX XXXX XXXX XXXX for validation of debts. I responded with a cease and Desist letter tracking # XXXX letting them know that they failed to properly validate the alleged debt. In return they sent me another letter reasserting that the investigation that Portfolio Recovery Associates conducted was indeed valid. Portfolio Recovery Associates did not follow lawful guidelines according to 15 USC 1681a ( e ).
Portfolio Recovery Associates never sent me any of my consumer disclosure rights that I have as a consumer or any proper permissible purpose from me [ XXXX XXXX ] the consumer mentioned here.
I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA.
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which Portfolio recovery Associates did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
Portfolio Recovery Associates LLC is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
15 U.S. Code 1681 q - Obtaining information under false pretenses.
18 U.S. Code 1028A - Aggravated identity theft.
|
| 01/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I do not recall all of the dates. However, Ive requested for the last 4-6 months that this company please stop calling my sons phone.
The persons of interest that are being asked for. ( XXXX XXXX ) Ive informed that I dont know who they are, Ive never heard of them, and I am not them.
This particular phone call a lot of regulations were broken. I do not know your companies rules. But there are federal, state laws, and regulations and procedures that have to be followed.
I am fed up with how this call even went. The agent was very rude after I told her that she was calling my XXXX yr olds phone. I didnt appreciate it, at all. Then to question me after I told her that it was my sons phone number. She said I didnt give a yes or no answer. Um, excuse me I pay this phone bill. I clearly said no that wasnt who I was and she continued on. I dont handle business this way. It was completely unprofessional. the agents id number XXXX.
She went back and forth with me. At this point I have told this company multiple times that it was a XXXX yr olds phone. I asked for her employee Id. She gave it to me, but I needed to get something to write it down. She argued with me that she already gave it to me.
I then requested a manager XXXX XXXX, which came on the phone. I explained to her, but quite frankly Im sick of my son getting these calls. Secondly, I asked the manager for the agents id number she said she couldnt give that. Now thats a refusal. As a manager how do you refuse that information. I didnt ask for her full name. As matter of fact I do not recall asking for her name. I asked for her id number.
I do not know what your company is used to dealing with. I know the laws, and I am not stupid.
I do not want his number on an automated dialer and I didnt want manual calls.
So, with all of that being said. I will contact an attorney for harassment unless you have something else to offer for a resolution. Making sure his telephone number is off. Was the first resolution. It wasnt taken care of after the first request. So now, you guys can come up with a resolution that is meaningful.
Have a great evening, Portfolio Recovery Assc.
|
| 02/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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I received a response form this company and I am mortified at their attempts at calling my sincere concerns and confusion " allegations ''. I made payments to so many entities regarding this loan that it simply does not make sense to me. I was initially paying a XXXX XXXX XXXX XXXX and to them I called and requested an address change which was somehow ignored. Then the bank changed over to XXXX and their information was outdated and inaccurate. Portfolio took on a false amount, this amount was long gone and discharged and not even what I truly owed! The bank told me it was written off in taxes, so why then do they sell to a 3rd party and re-collect the sum all over. so they get money form me, write off the debt and then sell it back to someone else for them to double it with fees and interest that only they can add one? I figured something was off so I called XXXX XXXX after having been scared by Portfolio and they said to me that I was not responsible for it because it was past statue but that the party they sold it to would sue me if I did not pay them. I asked Portfolio is this was true and they SAID to me over telephone that I COULD INDEED have a judgment placed against me with " legal ''. Where are the calls? Are they all there? HOW can we confirm, because I am so hurt by your rude tone in your response Portfolio. All you have " proven '' here is SIMPLY old statements! This account was done with XXXX XXXX, I don't even know what XXXX did with it and now Portfolio is tripling my OLD debt! Anything past 7 years CAN NOT be placed on my reports. FIND ME XXXX XXXXXXXX STATEMENTS AND WE CAN DISCUSS TIMELINE! You have endlessly pushed me with letters, voicemail and calls and I had to surrender out of fear until I realized how MUCH this amount is wrong! It was illegal of XXXX to have sold this in the first place, it was already paid for in their taxes and int was in 2011!
ALSO, why are you SENDING MY PERSONAL AND CONFIDENTIAL STATEMENTS OVER THE INTERNET!????? I am asked by the bureau not to send any account numbers and such, what gives you the right to send my old and personal information with all identifying facts on it to me???
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.
|
| 12/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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My complaint against Portfolio Recover Associates ( PRA ) is based on their inability or flat-out refusal to provide the original TERMS of my XXXX XXXX Credit Card # XXXX. I have disputed the amount owed since the very first phone call with PRA. PRA has stated over a dozen times that they have received all available documents pertaining to my account. They have only provided random statements and agreement. Any and all phone calls with PRA were recorded and available. The TERMS are included in the welcome package along with the Agreement and new credit card. The TERMS are specific to a borrower and will vary based on the borrowers credit profile. The Agreement is a universal document that can easily found on the internet. The TERMS come in two pages and consist of the following : Credit Limit, APR for Purchases, APR for Cash Advances, APR for transfers, Penalty APR when it applies, Paying interest, Minimum interest charge, Annual fee, Transaction fee, and Penalty fee. The Agreement does not have any information specific to the borrower. It is my understanding after reading the CFPB procedures required by debt collectors, that one of many things a debt collector must do when purchasing debt from another party is to validate the amount due and determine whether any fees charged were permitted by contract with the original creditor. Question Onewithout having the Original TERMS to my specific XXXX XXXX account, how are you able to confirm that the balance youre trying to collect? Question TwoIve attached the XXXX XXXX statement with a closing date of XXXX which was 3 months prior to the charge-off. The statement includes total fees for XXXX of {$180.00}, can you confirm with 100 % certainty that all fees charged in XXXX were as-agreed to by XXXX XXXX when they extended credit? How about the {$58.00} in fees charged in XXXX? Question ThreeWhy would XXXX XXXX refuse to let PRA provide me with my Original Terms and Agreement? On XXXX I had a phone conversation with XXXX from PRAs dispute department. On a recorded line she clearly stated that XXXX XXXX didnt want PRA to send me my Original Terms and Agreement, why would they do that?
|
| 04/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hi, Account name : Portfolio Recovery Associates # Account Number XXXX XXXXXXXX has violated my rights. They have not produce documentation showing how they got my information. They have place a debt collection on my credit report which is hurting me the account is falsely obtain by PRA. When I called customer service they said a 1099 was never done on the account but on my credit report is says written off bad debt. Portfolio Recovery Associates collector can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they haver called me repetitively via phone calls. I have called and send certified letter requesting the following : Alleged account number Name on file for the alleged debtor Date the alleged debt became payable Date of original charge-off and delinquency A complete accounting of debt Any judgment obtained by the creditor To date they have not respond or mail me back. In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and cocnfidentiality under 15 USC 1681.
Portfolio Recovery Associates has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have sent certified mail with copies of my credit report to all three credit bureau several times about these inaccuracies on my on my credit report with no resolution. In the mean time this is hurting me and my family please help.
Thank you, XXXX XXXX
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| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
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| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Impersonated an attorney or official
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Web |
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The letter and check dated XX/XX/XXXX was accidentally misplaced and never opened until XX/XX/XXXX. On XX/XX/XXXX a representative and then a supervisor stated that any check issued more than a year ago would not be reissued when I called the number at the bottom of the letter from Portfolio Recovery Associates. The first call that I made to XXXX was answered by a representative that gave me a number to call and that number gave a busy signal repeatedly. The second representative told me that it had been more than a year since the check was issued and that they had been " told today that no more checks would be reissued. '' When I questioned the over a year statement and then the told today no more reissues statement, the rep said that she had been misinformed. I asked by whom because she had not spoken with anyone but me in the past several minutes. I asked for a supervisor and the supervisor told me that the check had been issued XX/XX/XXXX and that it was over a year and could not be reissued. I told her that the check was issued with the letter from XXXX on XX/XX/XXXX and that it had not been a year. The supervisor then told me that it did not matter, that the bank account that the checks had been written on was a contracted account for the purpose of paying the litigated amounts and that it was no longer active. I contacted the CFPB by phone and the man I spoke with suggested that I contact the bank the check was written on. I did so at the number he provided and the bank confirmed that it was an active account. I feel that the representatives acting and speaking on behalf of Portfolio Recovery Associates , LLC attempted to deceive me by changing the dates and reasons that they would not reissue a check in an amount that they clearly owe me. I believe that the supervisor told an absolute lie about the bank account being closed and lied about the date of original issue to attempt to stop me from pursuing the attempt to acquire the money that XXXX clearly owes me. I am not asking for the interest that XXXX has accrued from this amount of money that they owe me, simply a reissue of the check in the amount of {$1400.00}.
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| 12/06/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Every day ( and sometimes multiple times per day ) I receive phone calls from numbers with seemingly random area codes.
I am currently looking for a job and can not afford to screen my calls in case one of them is a prospective employer. These calls come in at very inopportune times, often waking me up or waking up my partner who works overnights. I also have relatives with declining health and am an emergency contact for many of my loved ones. I often do contract work that requires me to be on call, and if I do not answer the phone I will lose my contract.
Having to run out of church to answer my phone is very embarrassing and disrespectful. Getting unnecessary calls while at work looks unprofessional. Interrupting our sleep is affecting our mental health. Every time a number calls that I do not know my heart drops because I am terrified something has happened to a loved one, or that there has been an emergency of some sort.
To top it off, the callers will remain on the line long enough until a voicemail is left on my phone, which causes the box to be full constantly. If I forget to clear it, I miss valuable and potentially life changing information.
I have asked these people to stop calling me, and it has been going on so long that I no longer remember which companies are calling me and what the call is about, because if I ask for the purpose of the call, they respond by first asking me to identify myself. If I do not identify myself without knowing the nature of the call, they state that they will try again later, or simply hang up.
Here is a short list of numbers that have called me, with dates/times : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basically this has been going on for a year or two and if they really want my money they should stop interfering with the activities that actually EARN that money. I'm not sure what other information I can pass along that could help and I wish I could remember the specifics about who these people are and what they want but after everything they have put me through I have long since given up on the matter.
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| 08/31/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing you regarding XXXX XXXX XXXX. They have placed 2 collections on my credit reports for {$230.00} and {$270.00} with XXXX XXXX allegedly being the original creditor. I have written them certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to verify or validate the alleged debt and send me an original contract between them and I. They have failed to do so on every occasion. I have asked them to remove this from my credit reports if it can not be validated. They have failed to do that as well. They failed to send me a dunning letter for the {$230.00} amount prior to placing it on my credit reports and, therefore, failed to notify me of my right to dispute. All they send me when I ask for validation or verification is a computer generated statement from company records, which does not prove that I have any contractual obligation to them. They have never loaned me any money. They are not named as a creditor against me on any contract I have ever signed. I am also disputing this with the credit bureaus. Portfolio Recovery has inquired on my credit reports an obscene number of times, without my permission. Looking at my credit reports, XXXX XXXX is not reporting delinquent debt from me. They are reporting an old credit card account that is closed and was in good standing. They are also reporting open credit accounts that I have with them and am paying on. Portfolio has listed themself under " banking '' on my credit report but have never loaned my money and I have never opened any account with them. Portfolio Recovery is harassing me via mail and phone. They are calling my employer after I asked them not to contact me via phone. They called me at work today and threatened to start calling my family members if I did not provide them with an alternate phone number. They have called my XXXX year old son, telling him that I owe them money. They call repeatedly using different phone numbers. They have repeatedly been mailing me the same computer generated statement. They have broken so many federal laws and are causing damage to me, financially and with my employer.
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| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Portfolio Recovery Associates. In XXXX of XXXX, I became aware that Portfolio Recovery had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation validating this debt in accordance with the FDCPA. It became clear that the account numbers were inaccurate between the bureaus and Portfolio Recovery could not produce a signed contract after multiple reinvestigations. It was so egregious that XXXX removed the account from their report due to this companys refusal to follow the law. Over the past two and a half years, I have given them multiple opportunities to validate this debt and they failed to do so. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, Portfolio Recovery Associates expressed their intent to violate state law and continued collection action on this debt. This is not new behavior for Portfolio Recovery, as evidenced by the order in XXXX of XXXX where the CFPB ordered them to pay {$24.00} XXXX to compensate victims due to their willful and deliberate violation of the FCRA and FDCPA. This organization has open contempt for the law and those who are tasked with enforcing it. Since Portfolio Recovery Associates has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
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| 09/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates, despite their lacking a legitimate foundation for furnishing data on my credit reports, and a continued failure to state a verified foundation stating their rights to maintain this claim on my credit, continue to furnish this data to the credit bureaus. They have not shown a valid contract in any of my attempts to demand they provide this. They continue to ignore multiple attempts to get them to obtain this proof, and as such, have not proven that there were valid accounts or that any such alleged accounts included a right to assign or transfer since Portfolio itself has not provided me with any consideration or service. They have failed to show how their efforts to claim possession of the alleged accounts are anything but lack of privity.
They have engaged in many violations of the FDCPA, documented in prior complaints yet they continue to furnish their derogatory data without remorse. They shouldnt even have access to my credit files since they havent even proven a right of assignment in showing any original contracts, listing such a right of assignment as part of the contract terms.
They have violated FCRA 1681s in the sense that they have never notified me in the first place that they were furnishing this derogatory information and they have continued to violate that in that this information came off several of my credit files and was placed back on those files without formal notice to me by Portfolio, a willful transgression of the law.
Boatley v Diem held that credit reporting IS debt collection. Portfolio has stated that they are ceasing debt collection efforts yet they continue to report this data on the alleged accounts in violation of this higher court holding.
I am enclosing the results of my search of the UCC files in the two states I have lived in in recent years and both show that there is no debt claimed on me. No debt has been filed with the states involved. Every time Portfolio continues to furnish derogatory data about me they are engaging in wire fraud and every time they send a mailing stating that these alleged accounts are valid, they are engaging in mail fraud.
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| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Portfolio Recovery is reporting two different collections accounts as something different. They are listing themselves as a factoring company on one account and listed the account as open on another. They also stated that a payment was made in XX/XX/XXXX and a payment was NEVER made to this company. This is after I disputed the information with the credit bureas and they said every thing is correct. They continually change dates and remove accounts and put them back on a few months later. Now they are listing as factoring company and open accounts and they are both collection accounts.
XXXX XXXX XXXX XXXX SSN : XXX-XX-XXXX PORTFOLIO RECOV ASSOC XXXX XXXX Account Number XXXX XXXX Account Type Factoring Company Collection Account Account Status Closed Open Payment Status Derogatory Account Balance {$570.00} {$570.00} Balance Date XX/XX/XXXXXX/XX/XXXX High Balance Business Type N/A N/A Classification Factoring Company Collection Account Company Sold to N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX Limit {$0.00} $ 0 Monthly Payment {$0.00} {$0.00} Percentage of Credit Used Terms N/A N/A Amount Past Due {$570.00} {$0.00} Responsibility Individual Individual Original Amount $ - - Original Creditor N/A N/A Date Last Reported XX/XX/XXXXXX/XX/XXXX Date of Last Payment XX/XX/XXXXXX/XX/XXXX Date Last Active XX/XX/XXXXXX/XX/XXXX Comments Seriously past due Dispute resolved ; date / assigned to customer disagrees attorney, collection agency, or credit grantor 's internal collection department Remarks Subscriber reports dispute resolved - consumer disagrees POR TFOLIO R ECOVER Y A XXXX Account Number XXXX -XXXXXXXXXXXXXX Account Type Open Account Account Status Unknown Payment Status Unknown Account Balance {$570.00} Balance DateXX/XX/XXXX High Balance {$570.00} Business Type N/A Classification Open Account Company Sold to N/A Date Opened XX/XX/XXXXLimit $ 0 Monthly Payment {$0.00} Percentage of Credit Used Terms N/A Amount Past Due {$570.00} Responsibility Individual Original Amount - - - Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Comments Remarks COLLECTION ACCOUNT
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| 08/15/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt.
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent.
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account.
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice.
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I started receiving letters from XXXX XXXX XXXX in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from XXXX XXXX XXXX they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called XXXX XXXX XXXX office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.
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| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I had an account with XXXX XXXX. Due to fraud it was closed and sent to collections.
Portfolio Recovery is the third collections company it was sent to. I had payment arrangements with them so it wouldn't be reported to the credit agencies but it was!
My bank returned a few payments due to insufficient funds. I had identity theft this past year and due to the Covid Pandemic I have being going through some financial hardships. I need this taken off of my reports. It lowered my scores 30 points on all three reports!!! Technically I do not owe this debt because I had fraud through XXXX. And I thought companies were not allowed to report collections because of the Pandemic according to the CaresAct. Read below!
Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic.
The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act.
The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.
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| 06/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Portfolio Recovery is suing me in XXXX XXXX XXXX XXXX XXXX ( Ohio ), on a debt that I requested validation for. They did not validate the debt, they just sued. The suit amount is well below the level for a small claims case here, yet they filed in XXXX XXXX in order to make pleading and responding more difficult without the help of a lawyer.
I am XXXX and I told them to cease and desist calling my number, because I was XXXX I wanted all communications in writing, and the calls served only to harass me.
They have continued to call me even after filing this lawsuit. I wrote their attorney twice telling him to instruct his client to cease and desist contacting me by telephone.
The calls have not stopped.
Among other FDCPA violations, they have continued to park the debt on my credit report even though I have disputed it, and its involved in pending litigation!
The attorney will not provide the forward flow agreement, the statement attached to the lawsuit shows a supposed payment on the account THAT I DID NOT MAKE. Portfolio Recovery is facing a class action lawsuit in Illinois for this very thing, indicating a payment when none was made in order to re age accounts, attempt to prove a contract on account.
Further they mail all their letters from a place in California. This is a mail house. They have transmitted my data including things like my social security number to this third party in violation of the FDCPA ( see the recent 11th Circuit decision ).
Their bullying litigation tactics to force me to pay a debt they refuse to validate ( suing in a higher court, re aging accounts, parking the debt on my credit report, continued telephone harassment after filing suit ) all violate the spirit and the intent of the XXXX consent decree they entered with you.
Their attorney will not communicate with me, but continues to forward the case, refusing arbitration which the contract attached to the lawsuit specifically prescribed. I do not believe I am receiving fair treatment in this court PRA chose, as the most recent denial of a motion to compel arbitration was entirely ghost written by this attorney.
|
| 12/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence.
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX.
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.
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| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I set up a pay agreement w/Portfolio Recovery Associates, LLC XX/XX/XXXX, ( collecting for XXXX XXXX XXXX XXXX, XXXX ) Account number ending in XXXX. Portfolio acquired the acct XX/XX/XXXX. Anyway, pay agreement was : 12 pymnts of $ XXXX biweekly to withdraw from my checking account on a Wednesday or Thursday. Due to I get paid at a specific time of the day. Total {$240.00}.
PRA ( Portfolio Recovery, LLC ) stayed committed to the agreement until the very last payment. I contacted PRA between XXXX to request to submit my last pymnt a different way because I had changed bank accounts. I was informed then that the last pymnt request had already been submitted. My response was, Why would you guys do that, when its set up to withdraw after my payroll check direct deposits anyway? Regardless, if I did change banks?
Thats when I checked my account to see they attempted on XX/XX/XXXX, I received a return check charge {$35.00} ... XX/XX/XXXX, then my pay agreement was cancelled XX/XX/XXXX. Not to mention PRA shows the last pymnt was XX/XX/XXXX, per my XXXX XXXX XXXX checking shows XX/XX/XXXX.
I contacted PRA again to see a balance as if they had NOT received a dime from me. They responded as if I wanted to set up a new agreement. First of all, I never OWED a debt of any kind to Portfolio Recovery, LLC. Why would I set another agreement with them after the stunt they pulled? Like, people dont have lives and want to give money to collection agencies? Be serious. Under no circumstances will they receive anything from me.
They have the audacity to CHANGE their payment plans since and have fair and affordable flexible plans on their website. Theyre affordable, but fair to whom? Their own pockets?
I do not care what acct they acquired with my name, I never owed PRA, I will not pay any balance they decided to attach to my name. So they need to pass the acct right back to XXXX XXXX. Do not call me or notify me of any balance in writing. I submitted a Cease & Desist letter a long time ago, prior to the agreement. They also need to remove any tradline they have from all 3 credit bureaus, XXXX XXXX and XXXX.
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| 11/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Subject : Request for Account Deletion Under Consumer Protection Laws Dear Portfolio Recovery Associates, I am writing to address ongoing concerns regarding the account ending in XXXX that you are currently managing. I believe there are valid reasons, in accordance with consumer protection laws, for the deletion of this account. Below, I outline the key points supporting this request : Verification of Debt ( FDCPA Section 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive verification of the debt. Despite previous requests, I have not received the requested documentation, specifically the original contract with a wet signature. The FDCPA mandates accurate verification, and without this essential documentation, the legitimacy of the debt remains in question.
Accuracy of Reporting ( FCRA Section 1681s-2 ) : The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer information to credit reporting agencies. Relying solely on credit card activity as proof may not be sufficient to meet the standards of accuracy outlined in the FCRA. I urge a thorough review of the information furnished to ensure compliance with the FCRA.
Cease Communication Request ( FDCPA Section 1692c ) : Pursuant to the FDCPA, I previously requested the cessation of communications regarding the PRA account. If communication persists, it may be deemed a violation of the FDCPA, and I request immediate compliance with the cease communication request.
Access to Original Contract ( TILA Section 1635 ) : The Truth in Lending Act ( TILA ) grants consumers the right to request and receive a copy of the original contract with a wet signature. I have not received this document despite previous requests, and I request its immediate provision.
In light of these concerns and in adherence to the aforementioned consumer protection laws, I kindly request the deletion of the account ending in XXXX from your records.
Please acknowledge receipt of this request and provide a timeline for the resolution of these matters. Your prompt attention to these issues is appreciated.
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| 08/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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Portfolio RC continues to reinsert three accounts that have already been settled and paid. The accounts initially reported to XXXX as a collection account on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX the debt owed was paid and settled and Portfolio RC reported this to the bureau. Since that time the accounts have been removed 4 different times after Portfolio continues to report and reinsert these derogatory accounts even though they are paid & settled as agreed upon.
XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX-XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports & reinserts all three accounts back on my report XX/XX/XXXX- all 3 accounts removed from credit report Between XX/XX/XXXX- XX/XX/XXXX Portfolio RC reports & reinserts all three accounts back on my report.
XX/XX/XXXX- all 3 accounts removed from credit report XX/XX/XXXX- Portfolio RC reports * reinserts all three accounts back on my report.
( Record of Accounts Activity & Updates attached ) In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the consumer is to be notified of any reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I have received no such notification & this is a very serious violation of the FCRA. Not to mention, each time Portfolio RC reports & reinserts these accounts on my XXXX credit report my credit score decreases by 20-30 points every time! When they accounts are removed I only gain 5-7 of those points back, which is tremendously affecting my credit score and creditworthiness.
|
| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA To : The Office of Registered Agent for Portfolio Recovery Associates , LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 07/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Earlier this year, I rightfully disputed my debt to Portfolio Recovery Associates, LLC for {$790.00}, which was purchased from a closed XXXX XXXX credit card in XX/XX/XXXX. After Portfolio Recovery Associates validated my debt, I called them on XX/XX/XXXX to pay off the debt. I explicitly told the representative that I am paying off the debt for full removal from my credit report, and the representative stated that a full deletion would not occur unless paid in full. With the sole purpose of removing the debt from my credit report, I paid the debt of {$790.00} in full on that call.
However, the paid collection was not removed on my credit report, and still reflected a charge-off on my credit report. On XX/XX/XXXX, I sent a certified letter to Portfolio Recovery Associates to review my call with the representative, and to have my paid collection removed from my credit report.
On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates dated XX/XX/XXXX that they would not conduct an investigation of my dispute and claim of misrepresentation. I called them on XX/XX/XXXX to ask again to review my call and request for full deletion. The representative I spoke to referred me to a supervisor and they both explained that full deletions are not offered by Portfolio Recovery Associates. In addition, the supervisor stated that : - a complaint had already been filed on my account ( I never filed a complaint before ) - they will review my call - apologized for any incorrect information that was given to me.
If I was given full disclosure with the original representative that a deletion was not available, I would have offered a settlement for far less than a payment in full. There is no incentive to a paid-in-full collection that still reports negatively as a charge-off on my credit report.
Portfolio Recovery Associates is not fully representing the consequences of a paid collection to those looking to pay their debts in full. I did not deny the debt and take responsibility for it with full payment, however, I would have made a different decision to pay a settlement, not paid in full.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with ViXXXX XXXX through a debt collection company named Portfolio Recovery Associates back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called Portfolio Recovery Associates and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with Portfolio Recovery Associates stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
|
| 01/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Portfolio recovery associates file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from XXXX XXXX that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, XXXX ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against portfolio recovery associates. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than XXXX weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with severe XXXX and congestion.
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. Portfolio recovery associates had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.
|
| 10/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been continuously receiving calls from Portfolio Recovery. In just this past week, they have contacted me twice in an attempt to collect an alleged debt. I have responded to their calls, kindly asking them to cease calling, as their calls are disruptive while I am at work. I have urged them to stop. However, they persist.
Upon reviewing my consumer report, I have noticed that they are reporting inaccurate information, which is causing significant disruption to my consumer report and the quality of my life. My credit score has experienced a substantial drop as a result. As of XXXX, on XX/XX/2023, they are reporting that I allegedly owe {$720.00} on my consumer report. This alleged debt is falsely reporting as a collection on both my XXXX and XXXX reports. In addtion there are iinaccuracies with the way the creditor is reporting. My XXXX consumer report is reporting the collection under the name Portfolio Recovery with an open balance of {$720.00} openend on XXXX on my XXXX Consumer report, the alleged debt is repoerting on my consumer report as Portfolio Recovery A, so two different companies reporting the same amount is not right.
I am choosing not to engage in discussions with them, primarily because I am uncertain about how they obtained my personal information.
I would like to resolve this situation amicably and fairly, and I kindly request your assistance in achieving this outcome.
Portfolio Recovery seems to be violating my rights as a consumer in accordance to the consumer credit laws.
XXXX. They are in violation of 15 Us Code 1692d- harassment by calling my personal phone number whilist I am in the middle of my work day, casuing mulptile disruptions throughout my work week.
2.They are in violation of 15 U.S. Code 1692 ( g ) As I have not received any validation of debt to prove I owe this alleged debt to Portfolio Recovery Associates .
3.What they are doing I will be filing an FTC report and submitting as this is identity theft. I never once gave consent to verbally or written for them to report this transaction that is currentl showing on my consumer report.
|
| 05/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Portfolio Recovery Services is trying to collect a debt from me that is not mine. I got repeated phone calls where they refused to identify themselves until I told them my name. Then they would not tell me their business because I would not tell them my address. I got several of these calls. I figured out who they were and complained to the state of Utah and to XXXX. They responded to the XXXX complaint and stated that they had no debt associated with me and agreed to delete my phone number from their records. But they got my address from the XXXX complaint ( Case # XXXX ). I have now received a letter from them with information on the account they are trying to collect. It is for a XXXX account. I have never had a XXXX account, I have never purchased anything from XXXX, and the address on the account is not mine. I have been living at my current address for over 20 years ( the account they are trying to collect is from 2014 ). I googled the name and address, and the name on the account matches the name at the address. I have the same name, EXCEPT for the middle initial. I called Portfolio Recovery to try and tell them that the person on the account is not me and the account is not mine, but when I refused to give the guy ( XXXX ) the last XXXX numbers of my social security number, he hung up on me. I will not give them my SSN under any circumstances, because I am sure they will use it to affect my credit.
Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.
|
| 05/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Apparently for some reason, Portfolio Recovery Associates. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the three major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX 2017 on my XXXX, XXXX and XXXX credit reports to no avail. XXXX XXXX XXXX continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, American Jurisprudence, 73 AM Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Portfolio Recovery Associates. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Portfolio Recovery Associates. is blatantly disregarding the law.
|
| 01/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.
|
| 10/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
Servicemember |
|
XX/XX/2022 My car was repossessed. When I attempted to contact the original company the car was purchased through I was told the rest of my debt was sold to Recovery Associates, a debt collection company. I contacted the new company and was given a different name ( PRA receivables management LLC. ) they refused to give an address and directed me to a manager XXXX XXXX XXXX when asked about said information. I was forced to give my social security number, name, and address in order to find out the amount owed. The first representative XXXX quoted {$29000.00}. Instantly I asked to dispute the amount and was told that I should receive a debt validation letter within 30 days. The problem with that is my car is in possession of a tow company that wont release the car until its okd by this debt collection agency and its at risk of being auction within 10 days. XXXX then put me on hold until the phone hung up and I didnt get a call even though I was told that if the call disconnects I would receive a call back.
I called the company back again and was connected to XXXX who directed me to the manager because I asked for the companies name and address. Once connected to the manager ( XXXX ) I was forced to give my personal information again and was quoted a new number for my debt which was {$29000.00}. I asked her how long does it take for the debt validation letter to come in the mail and was told 10 days. I had more questions in correlation to the tow company and how long my vehicle would be held before being transported around or forced into auction. Before I could finish my questions I was threatened by the manager and was told that my vehicle could be moved to auction whenever she wants. At that moment I chose to end the conversation to get questions on if this is legal or not.
If there is a debt owed I wasnt contacted at all by mail or phone by this debt collection company. I fear that my vehicle has been taken illegally by a company that I have not signed a contract with or agreed to the supposed debt and it will be auctioned off in an attempt to collect on something not owed.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
17. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
18. Identity Theft PORTFOLIO Account Number : XXXX-XXXX**** This is not mine.
19. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
20. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
21. Identity Theft Account Number : XXXX This is not mine.
22. Identity Theft Account Number : XXXX This is not mine.
23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
25. Identity Theft XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 04/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 08/12/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
|
| 07/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
First off, their customer service is abhorrent! I have been trying to dispute this debt since I learned from other means that I had already been taken to court. I never received notification from these guys that they were serving me. I have checked with the courthouse and the physical description they have of me on file doesn't even match my actual physical description. I don't know who the blonde with perfect eye sight is but, it definitely isn't me. I was never notified of the debt to start because these accounts they list are a result of identity theft and after I have dealt with their customer service I understand why identity theft is so rampant in our country. I had over 5 different reps just provide me with the address on the account and ask that I confirm that it was my address. 1. Not my address. 2. How did you obtain the address since I never provided it to you. 3. How does your skip-tracing work? I only ever called or chatted from the address you have on file. I've never lived there.
These guys grossly violate compliance with their skip-tracing program. I have to assume the reason why they have the address that they do is because they are violating my privacy rights by using cellphone location. It's the only way that address could've shown up because I have never lived there.
These guys seem to have an awful lot of information about me without any documentation showing I've consented to any of what they've done. I believe these guys stole my identity at this point since they haven't been able to provide a single signature for any of the accounts they are collecting.
These debts are invalid. They've not only stolen my identity ( hey, they have the information and nothing indicating consent from me ) but, now they're trying to steal from me further. They never notified me of these accounts properly or else they would have mail confirmation receipts. Anyone can type or copy and paste a letter then change the date so that it makes it look like they're compliant but, I know these guys never sent anything out since they're the ones that stole my identity.
|
| 10/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
Portfolio Recovery.
We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX.
We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc.
As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years.
After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years.
Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late.
Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency.
Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late.
Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed.
We do n't think they should be allowed to report payments this way and ruin our credit.
|
| 06/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Ok I am contacting you because of Portfolio Recovery Associates. There are XXXX accounts with Portfolio Recovery Associates , LLC. When I noticed these accounts on my reports via XXXX. I went directly to pull my reports and I disputed the accounts with the credit report agenices and they all came back verified, I then realized Portfolio recovery did not validate before reporting to the credit bureaus, a collection agency is not allowed to continue collection activity if a consumer disputes the account within XXXX days, but they never made me aware of these accounts prior to showing up on my reports. I never heard of this company into they appeared on my reports.This violation falls under 15 USC 1692g 809b.Also they have failed to mark my XXXX credit report as disputed. This violation falls under 15 USC 1692e 807 ( 8 ). I then contacted them threw the XXXX and got the same responses back, but this time XXXX accounts were removed from my reports, but funny thing is they verified these with he credit bureau a month prior and said the accounts are reporting accurate even though they were n't .It also came to my attention a collection agency is not allowed to report a collection account as " OPEN '' And should be under negative collection accounts " NOT '' Under Accounts " other accounts '' showing as if im past due with late payments. This reporting is wrong and should have been change when they supposedly verified with the credit report agency 's XXXX dispute, but is still not changed. I am going to attach proof the accounts are showing as open and under the accounts tab. Portfolio has also updated the date they XXXX reported the accounts which was XXXX months prior and now it says XXXX reported XX/XX/2015 when it should state it was disputed and updated XX/XX/2015. Now all of a sudden they are updating their end to fit there needs so they do n't get caught up in there lie that they did n't notify me directly of the account accounts are 1.XXXX2.XXXX3.XXXX
4.XXXX5.XXXX6.XXXX I will attach all information if possible. I have the prior snapshots and current snapshots.
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| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I reviewed my credit report and found a collections for Portfolio Recovery Associates. I disputed the account with the credit reporting agencies and Portfolio Recovery sent me a letter home sending documentation that included two statements from XXXX XXXX with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either Portfolio Recovery nor XXXX XXXX ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from Portfolio Recovery for said collections of this alleged account.
As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from Portfolio Recovery the forward-flow agreement they signed with XXXX when they purchased said alleged debt.
I also request Portfolio Recovery to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price.
As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete?
I demand this account to be XXXX out, and deleted from Portfolio Recovery 's systems as well as XXXX XXXX, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.
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| 06/12/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a collection account with Portfolio Recovery. I have picked up my phone, made payment arrangements with Portfolio Recovery, have been making ACH scheduled payments from my checking account every week, and my credit reports have yet to show the all the updated information fields on all XXXX of my credit reports ... THERE IS ALWAYS SOMETHING MISSING OR BALANCE INCORRECT, ALSO THE FACT THAT I HAVE SCHEDULED PAYMENTS AND THE AMOUNT OF THE LAST PAYMENT IS MISSING, AND/OR DATE OF LAST PAYMENT IS MISSING OR INCORRECT .... I AM PAYING THE ACCOUNT IN FULL TO YOU, AND YOU GUYS CAN NOT SEND COMPLETE CORRECT INFO TO ALL XXXX CREDIT BUREAUS? PORTFOLIO RECOVERY BOUGHT MY CHARGED OFF CREDIT ACCOUNT FROM MY ORIGINAL CREDITOR ... .. IN WHICH, MAKES PORTFOLIO RECOVERY MY CREDITOR NOW, YOU ARE NOT WORKING ON BEHALF OF ANY OTHER CREDITOR ( YOU BOUGHT AND PAID FOR MY CHARGE OFF ) AND SO I BELIEVE THAT NOW, SINCE YOU REPORTED MY ACCOUNT AS NOW YOURS HERE JUST RECENTLY CHANGED, I WOULD THINK THAT NOW SINCE YOUR NAME HAS BEEN CHANGED TO REFLECT " CREDITOR '', AND MY PAYMENTS ARE BEING PAID ACCORDING TO OUR AGREEMENT SCHEDULE, THAT THE LEAST YOU ALL COULD DO IS NOW REPORT CORRECT COMPLETE INFORMATION TO ALL XXXX OF THE BUREAUS. IF YOU DO NOT REPORT TO ALL XXXX BUREAUS, THEN WHY ARE YOU ON ALL XXXX OF MY CREDIT BUREAU REPORTS?? ALSO, WHAT IS THE DEAL ABOUT ANOTHER ACCOUNT FROM 1993? I KNOW WHAT IT IS, AND WHERE IT CAME FROM, AND I WILL NOT PAY IT UNLESS YOU REPORT IT. I WILL NOT MAKE PAYMENTS FROM MY CHECKING ACCOUNT WITH MY ROUTING AND ACCOUNT NUMBERS, AND MAKE ON TIME PAYMENTS TO YOUR COMPANY FROM AN ACCOUNT BACK IN 1993 UNLESS YOU REPORT IT AS A BRAND NEW ACCOUNT AND REPORT IT TO ALL XXXX BUREAUS, AND STATE THAT ACCOUNT IS IN GOOD STANDING AND PAYMENTS ARE CURRENT AND ACCOUNT IS NEWLY OPENED. I WANTED TO PAYBACK MY ORIGINAL CREDITOR XXXX XXXX .... THEY WILL NEVER GET PAID BACK BECAUSE YOUR COMPANY BOUGHT MY ACCOUNT. I REALLY SHOULDNT PAY YOUR COMPANY ANYTHING, PERIOD. BUT I AM, SO IF MY REPORTS DO NOT START REFLECTING GOOD COMPLETE INFORMATION, THEN IM DONE.
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| 03/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have 2 accounts listed on my credit from Portfolio Recovery Associates. I have disputed the account for XXXX XXXX twice. The last date that I submitted a dispute was on XX/XX/XXXX. And the second account is listed as XXXX XXXX was also disputed on XX/XX/XXXX. I sent a certified letter ( attached ) to them requesting the following : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
7. The batch number in which my account was purchased in.
I received a response in the mail from them dated XX/XX/XXXX however, it didn't include the requested items above. I have attached the letter in which I received. According to the Fair Debt Collection Practices Act, a debt collection agency must stop collecting the debt until they provide validation of the debt. I received a call from the lawyers representing ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates on XX/XX/XXXX, since they didn't provide validation requested this is a violation. I have attached a screenshot of the missed call.
There is 3 different amounts that are being shown under the XXXX XXXX account. On the letter ( attached ) that was sent to me in their correspondence shows that the account balance is {$1400.00}, on the other letter ( attached ) it states the alleged account balance at the time of sale was {$1400.00}, and on my credit report the account balance is shown as {$1400.00}. On the correspondence ( attached ) for regarding XXXX XXXX, the amount shows {$420.00}, however the amount listed on my credit is {$420.00}.
These inconsistencies shows that this debt isn't valid.
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 01/05/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Collection Agency : Portfolio Recovery Associates Original Creditors : 1. XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX ( aka XXXX Bank ) Portfolio Recovery Associates ( PRA ) has purchased ( 3 ) of my time-barred debt accounts, which are listed above. They are being reported to the major credit reporting bureaus as newly opened accounts, which is inaccurate and misleading at best. Additionally, they are being reported with inaccurate amounts and last payment information, for which I have emails to prove from the original creditors.
Further to my concerns are that I've received threatening phone calls and robocalls.
My concerns with each are as follows : 1. XXXX ( ending XXXX ) : This account is being reported as being opened in XX/XX/XXXX, and with a collection amount of {$840.00}. However, this account was closed on XX/XX/XXXX, and the last payment was on XX/XX/XXXX, and the balance at the time it was closed was {$480.00}. Where did the extra {$300.00} come from? The original creditor shows a closing balance of {$480.00}. I notice they no longer show the account on their website, but they are still reporting it to the credit reporting bureaus.
2. XXXX XXXXXXXX XXXX XXXX ( ending XXXX ) : This account is being reported as being opened recently as well, with a collection amount of {$1700.00} and the last payment in XX/XX/XXXX. However, this account was closed on XX/XX/XXXX and the last payment was on XX/XX/XXXX. Again, this was confirmed by my original creditor and I have emails that prove this as well.
3. XXXX Bank ( ending XXXX ) : This account is being reported as a new original creditor account in the amount of {$1400.00}, but was was sold in XXXX and has been closed for almost ( 7 ) years.
Lastly and what alarms me the most, there was a time-barred XXXX account ( XXXX ) in the amount of {$1100.00}, that they sued and garnished me for, which I paid in full before I understood and did any research on what time-barred actually meant. I am certain that they employ misleading and deceiving collection tactics, because they have shown me on numerous occasions.
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| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX # XXXX, Portfolio Recovery Associates, Chapter XXXX Bankruptcy I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Please Delete incorrect names : XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX Please Delete Employment Data that does not belong to me : XXXX on XXXX, University XXXX XXXX
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 09/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I DON'T REMEMBER ANY ALLEGED DEBT WITH PORTFOLIO RECOVERY ASSOCIATES LLC, IT SEEMS PORTFOLIO RECOVERY PRUCHASED A MASS PORTFOLIO FROM XXXX XXXX AND DID NOT DO THEIR RESEARCH OR VALIDATE THEIR PURCHASE. I STILL DONT SEE HOW IM RESPONSIBLE FOR AN ALLEGED DEBT FROM XX/XX/2017 BY THIER OWN RECORDS OF TRANS DATE. THAT WOULD MEAN THIS ALLEGED DEBT HAS A PAYMENT HISTORY OF AN EARLIER LAST DATE OF PAYMENT. THE STATUE OF LIMITATION ON CREDIT CARD DEBT IN GEORGIA IS 4 YEARS FROM THE DATE OF LAST PAYMENT WHICH WOULD PUT THIS CREDIT CARD AS TIME BARRED AND UNABLE TO SUE, UNCOLLECTIBLE. EVEN THOUGH A DOCUMENT WAS SENT TO A PRIOR COMPLAINT I FILED, I STILL DONOT SEE A PAYMENT HISTORY OR ANYTHNG PROVIDING MY ALLEGED PAYMENT HISTORY OF ALL PAYMENTS MADE AND THE LAST TIME A PAYMENT WAS MADE BEFORE DATE OF CHARGE OFF. ANY ONE CAN PUT A DEBT IN MY NAME AND ATTACH AN ACCOUNT NUMBER. UNDER THE FCRA, FTC, FDCPA A PURCHASED ACCOUNT BY A THIRD PARTY MUST PROVIDE PROOF OF PAYMENT TRANSACTIONS FROM THE BEGINNING OF PAYMENTS AND THE LAST PAYMENT DATE BEFORE DATE OF CHARGE OFF TO TRULY IDENTIFY THE VALIDITY OF DEBT AND THE TRUE BALANCE OF AN ACCOUNT. IF PORTFOLIO RECOVERY CAN NOT PROVIDE PROOF OF MY SIGNATURE AND MY ALLEGED PRIOR PAYMENTS TO XXXX XXXX THEN THEY MUST DISCHARGE THIS MATTER BECAUSE THE PROOF HAS NOT BEEN PROVIDED. ALSO PORTFOLIO RECOVERY IS NOT LICENSED IN THE STATE OF GEORGIA TO COLLECT ANY DEBTS.
BUSINESS SEARCH RESULTS Business Name Control Number Business Type Principal Office Address Registered/ Designated Agent Name Status Portfolio Recovery Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX. Dissolved PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX Resigned Admin. Dissolved SMALL BUSINESS SOLUTIONS PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, XXXX XXXX, XXXX XXXX XXXX. Dissolved.
THIS IS A SCAM
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| 02/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I receive repeated calls from Portfolio Recovery Associates. They call from a different phone number every couple days. I almost always answer the phone and I am greeted by someone telling me their name and asking me to verify sensitive information like address, date of birth and social security number. I then ask who they are and what company they are calling from to make sure I am not giving my information to scammers. The majority of them refuse to tell me what company they are calling from. I then ask why they are calling but they say it is about a personal matter and refuse to give more details until I give them my sensitive information. Several others tell me the name of the company, to which I verify the information and we continue to have a conversation about the debt. I then explain to these folks that I was laid off from work and have had difficulty finding another job due to my specialized industry. I even cried to one of the operators about the trouble I have had over the last 2 years. The other operators have also said they understand the circumstances why I can't pay or make payment arrangements but some have gone as far to ask me if I have family members that can help me out. They also say they will make notes on my account so I do not receive repeated calls but I receive more phone calls just a few days later and have to go back through this same process again with someone else refusing to tell me who they are or why they are asking for my personal info. This has been going on for at least 6 months now and the phone calls average twice a week and always from a different phone number. I have repeatedly asked them to stop the calls and I will be in contact as soon as I can make some kind of arrangements. The only relief I have had was from the operator I cried to. After talking to him, the phone calls stopped for a couple weeks. The phone calls resumed about 3 weeks ago and its now back to the same issues at least twice a week with someone asking for my info while refusing to identify why they are calling or the company they are calling from.
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| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Received continuous harassing phone calls from Portfolio Recovery Associates for 3 months, leading to my filing CFPB complaint # XXXX-XXXX in XXXX.
PRA 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received.
Being concerned about a potential compromise of my accounts by the XXXX breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that Portfolio Recovery Associates had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had!
My current follow-up complaint is due to Portfolio XXXX Associates now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from Portfolio XXXX Associates with their followup documentation justifying (? ) their harassnment. PRA has included a copy of a letter that XXXX XXXX sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX.
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 XXXX XXXX letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).
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| 04/14/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed these erroneous accounts with the credit bureau and each and every time they come back as verified with proof that these accounts are mine. I have been a victim of identity theft and I also reached out to the collection agency per the email on XX/XX/2020 and XX/XX/2020 to PRA dba Portfolio Recovery Associates at this email address : XXXX on several occasions requesting : a copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me, if the account has been sold to another creditor, then that credit must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to PRA dba Portfolio Recovery Associates. Often such proof will be a bill of sale an " assignment '', or a receipt betweent the last creditor holding the debt. Portfolio recovery association is a third party collection agency and they do not/should not be abiding by FCRA laws. FDCPA laws are the laws for third party collection agencies. Portfolio recovery sent me a copy of statements in which I clearly stated that A COPY OF THE ORIGINAL CREDIT CARD AGREEMENT BETWEEN MYSELF AND THE COLLECTION AGENCY/CREDITOR WITH MY SIGNATURE ON IT was the first sentence in the email I requested in the beginning of this dispute.Also, while disputing I stated if there is any negative information on my credit report regarding these fraud/erroneous accounts they need to be removed immediately! I requested this information on XX/XX/2020 and still have not gotten what I requested only a pre-made letter stating verified from the credit bureaus and a copy of some credit card statements that does not pertain to me. Copies can be made from anywhere I need original documentation which Portfolio recovery failed to do. I have screenshot part of the emails that I sent to PRA dba ( Portfolio recovery associates ) and attached as proof that I emailed this collection agency. If the entire email can be forwarded to CFPB I will do so if needed. Remove these 3 accounts immediately!
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| 02/13/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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) I previosly inquired about similar circumstances in XXXX*-please do not classify this as duplicate complaint- Because I was homeless and disputed PRA again-yet they say I haven't " provided them with docs. '' *XXXX Long story short, please see the written communications attached showing that PRA is still violating your very own rules and legislature 's laws regarding deception/misleading/misrepresentations ; XXXX IS NOT PARTICIPATING IN COLLECTION EFFORTS WITH PRA-YET PRA SENT ME A LETTER WHICH BY IMPLICATION WOULD DETER ME AND ANY OTHER FROM EVEN CHALLENGING PRA 'S LEGAL OWNERSHIP OF THIS ALLEGED DEBT. This is because they have nothing authentic as evidence.
I am XXXX yrs old and am experiencing much stress as a result of dealing with an alleged debt, which Portfolio Recovery Associates has attempted to coerce me to pay-yet they refuse to show me authentic documents despite my disputes.
The FDCPA laws say ; 15 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Specifically ; e ( 2 ) - The false representation of ( A ) the character, amount, or legal status of any debt ; e ( 6 ) - The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; e ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ...
e ( 10 ) - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
MORE APPROPRIATELY ; e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Please see dated attached docs and help me to resolve this trickery before I resort to a the courts. Thank You
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| 06/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I XXXX XXXX believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR A ) has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines. PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL HOLDERS OF XXXX XXXX BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed no physical proof of attachment that they were in possession of purchasing these debts, or approval from XXXX XXXX that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC. PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents. THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!
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| 12/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This credit card was opened in XXXX as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- PORTFOLIO RECOVERY -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet XXXX years later they continue to be the ONLY delinquent/derogatory mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances.
Thank you, XXXX
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| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
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Web |
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I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information.
On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat.
Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications.
Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.
|
| 02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX after reviewing my credit report, I noticed there were items in a " charged off '' status years ago however still showing I was missing payments monthly which appeared on my credit report in two ways : 1. Late payments from an account closed in charge off status from XX/XX/XXXXand, 2. That same account 's balance, though reported as a charge off, was being combined with my total amount of available credit and in a late payment status.
I contacted the company who was hired to collect the debt, Portfolio Recovery Associates of XXXX, VA. I spoke with a collection specialist and he said their company could accept a settlement payment from me despite this debt with XXXX XXXX being charged off in XX/XX/XXXX. I told him I was concerned it was still showing up and showing up as late monthly payments still accumulating interest. He agreed to accept {$830.00} and I wrote them a check and mailed it on XX/XX/XXXX.
I appealed this item with XXXX and they refused to review the request to address this discrepancy in XXXX.
Today, in XX/XX/XXXX, this item is still on my credit report as a " late payment '' and they have never shown that this item was addressed as a settlement.
Portfolio Recovery cashed my check on XX/XX/XXXX however never contacted the credit reporting bureaus to update this account.
I've filed a second discrepency request with XXXX who has a copy of my check to Portfolio recovery, the actual photo of the check from my bank showing when Portfolio Recovery cashed this, and screen shots of how this item is showing up on my credit report as late monthly payments for a debt that is close to {$2900.00}.
I have contacted the Colorado Attorney General 's Division that handles collection companies to request they assist however, the AG 's office suggested I also file a complaint with your agency.
This item has continued to keep my credit score from increasing, has factored into me being denied housing, increased costs of auto insurance, and taken hours to try and address now, for close to one year with no resolution.
|
| 04/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC. Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
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| 12/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XXXX XXXX, I made a complaint towards Portfolio Recovery Associates LLC on the issue false statement or representation. On XXXX My debt total was {$3200.00}. I spoke with a representative who stated they can bring the payment down to {$2400.00}. I replied I could not pay that amount but, I could pay {$1800.00} right now to close out the account. Portfolio Recovery came to a decision and agreed on the {$1800.00}. I provided my debit card information and the representative began reading the disclaimer ; however he stopped and put me on hold for about 25 minutes. After the {$1800.00} was taken out of my account, he stated that the Assistant Vice President declined my offer. At this point I was provided false information. I called Portfolio Recovery back and another representative told me I had a balance of {$2800.00}. I was given different amounts from Portfolio Recovery.
On XX/XX/, arrangements were made to settle my account for {$2400.00} making the following payments : Payment of {$900.00} due by XXXX, Payment of XXXX due by XXXX and Payment of XXXX due by XXXX My debit card information was provided again to make automatic payments.
I received a signed Request for Satisfaction/Certificate of Service letter from Portfolio Recovery Associates LLC that requested the courts to mark the case as paid and satisfied, and dismiss any and all post judgments actions, etc. This letter let me know that my debt for Portfolio Recovery Associates LLC. is Satisfied. However, I get a notification about my credit that my debt with Portfolio Recovery increased to {$5000.00}. Portfolio Recovery took that {$1800.00} from XX/XX/ and applied it to {$3200.00}. I did not receive a written notification pertaining to change. Portfolio Recovery is still attempting to collect debt I no longer owe by calling me repeatedly.
An agreement was made and arrangements were made to settle the account for {$2400.00} by making 3 payments that were taken out of my account automatically after providing my debit card information.
I have attached supporting documents.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any type of documentation requesting validation from PORTFOLIO RECOVERY ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PORTFOLIO RECOVERY ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 03/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX XXXX, Disputes Department, XXXX XXXX XXXX XXXX, VA XXXX Disputes E-Mail address : PRA_Disputes@portfoliorecovery.com This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX XXXX costing me a job. While serving in the XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX XXXX Current Balance Due : {$900.00} by paying www.PRApay.com or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018 this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out training in the desserts, of XXXX, XXXX, XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
|
| 01/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am a consumer. I have been violated and deceived by the use of unfair collection practices. PORTFOLIO RECOVERY ASSOCIATES, LLC has violated my right to privacy. My reference number is XXXX with this company. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, LLC, and have written them three times asking for proof of claim/verification for this unauthorized alleged debt! I want a wet-signature signed by a natural person from Portfolio Recovery Associates , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response.
They recently sent me just a statement of this alleged debt, but NEVER answered my questions in my Verification Letter ( Proof of Claim ). A statement is NOT proof of this alleged debt. The only person that can verify the debt is me the Consumer according to Title 15 USC 1692g is me.
PORTFOLIO RECOVERY has not responded to my statement of truth, and has threatened to sue me! According to 28 USC ( 1 ) ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. Not to mention PORTFILIO RECOVERY ASSOCIATES, LLC violated 15 USC code 1692e ( 3 ) by the issuance of documents titled SUMMON/NOTICE to appear in court which is considered false representations and implications of the legal process.
I am a single mother. I am looking for new employment. PORTFOLIO RECOVERY ASSOCIATES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough.
|
| 09/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me.
I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests.
I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation.
Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from?
They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately.
The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I HAVE BEEN HAVING PROBLEMS WITH XXXX COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF DOMESTIC XXXX FOR XXXX YRS. AFTER MY LAST BODILY ASSUALT AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. CONNS SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON HOLH FOR HOURS. PORTFOLIO RECOVERY HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOCIATES IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, WHO BOTH ARE IN THE ORGANIZED CRIME WITH CARTELS. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 2 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the the two accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. They have been doing so since the original creation of each account. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Failed to pay '' and Past Due amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 3 ) I have disputed each of the accounts with the three major credit bureau 's several times. Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX XXXX, and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates, LLC. Original creditor is XXXX. Alleged balance { {$680.00} } Acct. # 2 : Portfolio Recovery Associates, LLC. Original Creditor is XXXX XXXX. Alleged balance is { {$460.00} }
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have asked for debt validation from Portfolio Recovery for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information in addition to other proof of claims that have yet to be answered thoroughly. I have certified mail receipts request with failure to follow through and return my receipt required tracking. Portfolio Recovery has not send me the following information I requested : name and address of alleged creditor, name on file of alleged debtor, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Portfolio and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Portfolio violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi Portfolio Recovery Associates reports an account which is not mine I live in XXXX XXXX since XXXX yet this account is reported under my name which does not belong to me. After lengthly connections calls and discussions portfolio recovery is still not willing to remove the account even after XXXX and XXXX took it down from y report they put it back on. I need help to have this false account removed from my report.
statement about the crime.
Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX USA Phone : XXXX Email : XXXX Personal Statement Hi I live in XXXX since XXXX I can not possibly have opened this account as I did not live in the US in XXXX to XXXX or after that Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Portfolio recovery Date fraud began : XXXX / XXXX Date that I discovered it : XXXX / XXXX Total fraudulent amount : {$8300.00} Fraudulent Information on Credit Reports Accounts or ChargesYes, fraudulent accounts or charges appear on my credit reportPersonal InformationAddresses : No Data Supplied Phone numbers : No Data Supplied Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.XXXX XXXX XXXXDateUse this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
*Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
PreviousFinalize please remove this fase information from my credit report or at least stop reporting it if it was already removed by XXXX and XXXX
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX.
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX & XXXX to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day.
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
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| 12/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This compliant is regarding Portfolio Recovery, which they claim I have open account in the amount of {$180.00} that was apparently opened XX/XX/XXXX. Please be advised that not only do I have no knowledge of the trade line they are reporting on my credit report, but they are in violation of the Arizona Debt Collection Act FIN Code : 32-1001 et seq. Which prohibits a debt collector or credit bureau from engaging in debt collection in Arizona unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the with the Arizona Department of Financial Institution.
The ARIZONA DEBT COLLECTION ACT " ( ASCT ) '' defines a debt collector as any " person who directly or indirectly engages in debt collection ... '' and further applies to creditors attempting to collect their own debts. ARZ. FIN. CODE 32-1001 ( a ) ( b ) Furthermore, Sec.32-10559 ( b ) ( c ) of the ARZ. FIN. CODE. " prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the results of sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collections attempts.
" ( R ) Reporting a debt to a credit reporting agency is powerful tool designed, In part, to Wrench compliance with payment terms ... ... " XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( E.D.Pa. XXXX ) ; XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( D ) ebt collections use the reporting mechanism as a tool to persuade consumers to pay. Just like dunning letters and telephone calls. XXXX XXXX, letter from Federal Trade Commission Attorney XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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| 04/25/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX To Portfolio Recovery Associates , LLC XXXX XXXX XXXX. XXXX, VA XXXX Following to your response dated XX/XX/XXXX, Referring to account number XXXX ending in XXXX.
You stated, Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX Therefore I hereby request original signed document bearing my signature for account XXXX ending in XXXX.
If original signed document bearing my signature not provided on diligence time, Supply me with a cancellation letter for account XXXX ending in XXXX Additionally, as you stated in County Court, XXXX County , Florida bearing case number XXXX None of the exhibits at the XXXX XXXX Circuit Court XXXX Florida XXXXourt Complaint attach any document signed by me..
Within 7 business days Please be advise that account not mines, I did not authorized account, I deny Account Thank you XXXX XXXX Company 's Response Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment related thereto. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX " ) XXXX XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$9900.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. PRA filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in County Court, XXXX County , Florida bearing case number XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
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| 01/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This company has admitted to being a Debt Buyer this company is also a debt collector pursuant to 15 USC 1692a ( 6 ) defined as ANY PERSON who uses instrumentality of interstate commerce. As a private consumer natural person who is federally protected I have been violated. This company has admitted to committing fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028 and 18 USC 1029. They brought my data from a defaulted note purchased from XXXX XXXXXXXX on XXXX of XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2-401.They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company admitted to NOT having a contract with me. They can produce a contract as there is none. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CNAC has admitted to them buying my defaulted note from XXXX XXXX This company also said their complaint that on XX/XX/XXXX they sent documents but I have not received those documents. This company has a Cease and Desist and is using the CRAs as a form of communication which they are defined as a form of communication in Title 15 of the United States Codes ; I demanded to cease all forms of communication.
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| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and Portfolio Recovery Associates asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
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| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I sent a letter on XX/XX/2023 via USPS Certified Mail that was received on XX/XX/2023, XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX XXXX.
This letter was sent to : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX.
XXXX, VA XXXX This letter states as follows : " To whom this may concern, I am writing to you to request that you verify a debt as required by the Fair Debt Collection Practice Act. You have contacted me concerning a debt with PORTFOLIO RECOVERY ASSOCIATES , LLC, I also want to point out that the name on this dept is not my legal name. Therefore, I am also disputing this since the name on this Dept or Collection is not in my legal name. I am not legally reasonable for this Dept.
Aside from verification of the debt, I request that you stop communications to me about the debt. The Fair Debt Collection Practice Act, 15 USCA Section 1692c requires that you honor this request.
Apart from sending me verification, please do not send or make any other communication to me regarding this debt. Your cooperation will be appreciated.
I also want to point out that I am also on XXXX. Thus, I am protected by Section 207 of the Social Security Act which provides : " The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the money paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' Sincerely, XXXX XXXX '' However, on XX/XX/2023 I received a phone call from XXXX that would not reveal who they were from at first. When I told them that if they were from a collection agency that I had sent a letter to they would be in violation of federal law, they then hung up the phone. I then called the XXXX number back and it connected to PORTFOLIO RECOVERY ASSOCIATES , LLC proving it was that company that had called me, thus violating the Fair Debt Collection Practice Act, 15 USCA Section 1692c.
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| 04/06/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio Recovery Associates , LLC, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies.
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by Portfolio Recovery Associates , LLC. In XX/XX/XXXX I mailed Portfolio Recovery Associates LLC a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for.
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent.
They received it around the end of XX/XX/XXXX. In early XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above.
I allowed XXXX months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed Portfolio Recovery Associates , LLC that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's Cass- XXXX Opinion Letter. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired.
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XX/XX/XXXX.
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| 09/06/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have an unverified account from XXXX XXXX XXXX XXXX. I have previously disputed this account. I have never done business with Portfolio Recover y Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. XXXX XXXX XXXX XXXX has reported a collection on 2 credit reporting agencies on XX/XX/XXXX. I sent registered letters to XXXX XXXX XXXX XXXX requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.
Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/XXXX outlining erroneous statement of charges from the alleged account as debt validation. I have requested that XXXX XXXX XXXX XXXX, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If XXXX XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity.
I have not now, nor ever had any contractual obligation or arrangement with XXXX XXXX XXXX XXXX
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| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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For years I have disputed Portfolio Recovery Associates with XXXX, XXXX, and XXXX and have repeatedly asked for PROPER validation of debt from Portfolio, as well as, asked XXXX, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from Portfolio Recovery Associates. Furthermore, Portfolio Recovery Associates continues to make representations about unsubstantiated debt. I have asked numerous times for Portfolio Recovery Associates to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt.
Portfolio Recovery Associates did not provide the required disclosures when collecting on debts beyond the statute of limitations. Portfolio Recovery Associates committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when Portfolio Recovery Associates determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for Portfolio Recovery Associates to investigate the dispute.
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| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question.
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
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| 10/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector Portfolio Recovery Associates , LLC sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Per 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
These debt collectors are continually calling me, sending me documents in the mail for a debt. They are under the false impression that I have contracted with them for a debt that was discharged by another company. They purchased an old discharged debt and are sending me threatening phone calls and conducting Mail Fraud through the USPS for an invalid debt. They have no contract with me for any debt or credit and have not provided such proof when asked.
Per IRS rules any debt that is discharged is considered income and that is not reportable. These Debt buying companies have purchased these old discharge accounts and are trying to collect on a debt that is no longer valid.
They are calling me daily multiple times a day and will not stop even after I have told them to not call me anymore, or communicate with me for a debt that is not mine.
I submitted previous multiple requests for investigation and the Credit Reporting Agencies failed to conduct a proper legal investigation and simply reviewed information from XXXX and other agencies and did not properly investigate. They put false information on my credit report, not providing the required documentation of proof that there was a legal contract with actual wet signatures from BOTH parties to the contract for these debt collectors. There NEVER will be since I never signed any contracts with them, they are debt buyers.
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| 05/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I initially disputed Account # XXXX with XXXX XXXX XXXX, XXXX via the 3 credit bureaus on XX/XX/XXXX. I received notice from the bureaus stating that the account was verified and proven to be mine yet I was never sent validation from XXXX XXXX XXXX, XXXX. I then disputed the account again and received the same response and no validation. After a 3rd attempt, I was finally sent 3 different billing statements to verify my mailing address but I had asked for validation that the debt was mine with proof of signed contract and agreement to pay the original creditor and/or PRA. All 3 statements that I was sent had different amounts from the amount that PRA was attempting to collect. This really made me feel like this was a scam. I had spoken with someone on the phone from PRA and was yelled at everytime I called. I informed the person that I had spoken with each time that this account did not belong to me. When I email this company, they advise me to call them. All of my attempts to communicate effectively with this company have been unsuccessful. PRA is violating my rights as well as the laws of the Fair Debt Collection Practices Act ( FDCPA ). These violations fall under sections [ 15 USC 1692f ] 808 ( 1 ) and [ 15 USC 1692g ] 809b for misrepresenting the amount owe and failure to validate before reporting to the credit bureaus. I sent PRA a validation letter on XX/XX/XXXX and I've received 6 letters stating that they have already responded to my dispute and will no longer investigate. This has been their response throughout this whole process and I still have not received any validation just billing statements for amounts that do not match the balance that they state is owed. One statement states there's a {$0.00} balance but {$1000.00} is due. There's three other statements with balances of {$3100.00}, {$3900.00} and {$3300.00} but Portfolio Recovery is collecting on a balance of {$4000.00}. None of this makes sense and it has not been validated and must be removed from all 3 of my credit reports immediately.
|
| 10/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My identity was stolen after the XXXX Data Breach in XX/XX/XXXX. I discovered this in XX/XX/XXXX when 8 separate accounts were opened with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. XXXX XXXX, XXXX and XXXX XXXX XXXX investigated and found that the accounts were fraudulent and they were all removed from my credit report. XXXX removed the account after I told them I would file federal suit against them if they did not but still assigned the debt to a collections agency. XXXX, reinserted the fraudulent account under a separate account number and will not remove the identity theft item from my report. XXXX removed the account from my credit reports. XXXX removed the account from my credit reports but still assigned the debt for collections to an outside third party. A separate collections account from Portfolio Recovery Associates is listed on my credit reports as having a balance of over {$11000.00} for an alleged account I had with XXXX XXXX. I never had an account with XXXX XXXX that was opened in XXXX which they allege using an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The Portfolio Recovery Associates account is a result of identity theft and they refuse to remove the account from my credit reports EVEN though I filed six separate supporting police reports along with a formal ID Theft Affidavit with the credit bureaus and Portfolio Recovery Associates. A discover account was opened in my name in XX/XX/XXXX that is a result of identity theft. XXXX is refusing to remove the ID Theft account from XXXX, XXXX XXXX and Portfolio Recovery XXXX EVEN THOUGH they have been furnished with 3 separate FTC ID Theft affidavits with six supporting police reports and verification of my identity. XXXX is refusing to remove the Portfolio Recovery Associates identity theft account as well. Somebody also applied for credit in my name from XXXX XXXX XXXX XXXX on my XXXX report where I could not qualify to even be a member because I have never worked for the federal government.
|
| 09/10/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a collection account with Portfolio Recovery Associate 's for a credit card I had with XXXX XXXX. I had got a call from the collection company on XXXX XXXX about my account. we had talked for a few minutes and they tried to lower the total cost for me if I would set up a " good faith payment '' is what they called it. they told me they could lower the debt to {$620.00} and I let them know I could do {$100.00} next Friday which would be on XXXX/XXXX/15. They agreed to that. well I checked my mail on XXXX/XXXX/15 to find a letter from them stating per our conversation over the phone on XXXX/XXXX/15 they would automatically withdraw {$690.00}. I was very shocked to find this because I had never agreed to such a thing. I automatically called them to let them know this was not what had been arranged. I had to be transferred from person to person about 7 times, one man told me he would listen to the call and then give me a call back which he did and still insisted I had agreed to this. I requested to speak with the person above him. I was then placed on the phone with the assistant vice president who said she would listen to the call recording and call me back, I got a call hours later stating that they would be returning the money if it did go through. It has gone through my bank and I have already filed with the claims department that this was not authorized and should be resolved but could take days and I have other bills to pay and groceries I need to get. I feel that Portfolio Recovery Associates thought that by sticking to saying I agreed to this amount and transferring me so many times that I would eventually give in and let them keep the money and I would just end up paying all the overdraft fees and overdrawn money back to my bank but they do n't care because they have their money now. the way they handled everything was very unprofessional and I am so unhappy with them. I really was hoping to start making monthly payments to finally pay off this debt, now I have lost trust and faith in them.
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| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I reached out to portfolio recovery associates on two separate occasions which I will go in to detail, I am working on disputing an alleged debt with the company. On XX/XX/2023 I reached out to the company through their provided email mailto : XXXX at XXXX pacific standard time I waited roughly 14 days for a response but nothing. So I sent another email stating To Portfolio Recovery Associates , LLC Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I received your letter communicating your attempt to collect an alleged debt that is listed below : Debt Collector Acct XXXX Alleged Amount/Balance - {$3500.00} Alleged Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX
Be advised that I Deny and Dispute the Validity of this Alleged Debt Entirely. Your Communication attempting to collect this alleged debt was within 6 months. I REQUEST1.9K Verification of this Alleged Debt. I am REQUESTING a copy of a contract or agreement.
Contract or Agreement must be the with the original creditor and signed by all parties involved.
Understand that vou are illegally attempting to collect this alleged debt, that I do not owe. I am also requesting that you cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly request deletion of any and all ... reporting that was made to all consumer reporting agencies/credit bureaus. If you comply with my deletion request within 14 days, verification is excused. Also promptly send me a veriDislike letter confirming the request to all consumer reporting agencies/credit bureaus deletion of your reporting of this alleged debt. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau.
This email was sent XX/XX/2023 at XXXX pacific standard time.
Same format for three separate alleged debt accounts held by the company. They have failed to provide original signed documentation from all parties involved not to mention are still reporting with all three major credit unions.
|
| 09/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am submitting this complaint against Portfolio Recovery Associates , LLC for fraudulent behavior and harassment towards a debt account on my credit report that does not belong to me. I have submitted multiple electronic disputes with all three credit bureaus, XXXX, XXXX, and XXXX against Portfolio Recovery Associates , LLC within the last couple of months. I am a victim of fraud and I have been harassed by Portfolio Recovery Associates , LLC. On XX/XX/ I contacted the Portfolio Recovery disputes department at XXXX. I spoke to the supervisor XXXX and he could not provide me any information or documentation on this account. He stated that all he has on this account is the transfer information from the bank. He asked me to provide my most recent home address and phone number. Since that day I have been harassed day and night by Portfolio Recovery Associates. I receive multiple calls and voicemails from this company every day. Since that day, I decided to take action and I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/. After I disclosed my personal information to this company, they fraudulently added that information to the account and claimed they had taken all the proper steps, which is incorrect. Portfolio Recovery Associates fraudulently added the information that I disclosed over the phone on XX/XX/2023, and added it to this account. This company did not have any of my information prior the call on XX/XX/XXXX. Once I filed the complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, Portfolio Recovery submitted copies of a letter dated XX/XX/2023 with my information. This clearly shows that the letter was sent after my complaint with the Consumer Financial Protection Bureau to protect themselves from any further actions. This company has lied and fraudedly claimed that they have had this information. This is unacceptable behavior from this company and I am a victim of fraud. I hope the Consumer Financial Protection Bureau takes this complaint seriously.
|
| 05/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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I sent a letter to Portfolio Recovery Associates ( PRA, LLC XXXX on XX/XX/XXXX notifying them of their default to report according to Texas XXXX XXXX XXXX XXXX and in fact default according to FCRA section XXXX ( a ) ( XXXX ) ( f ) ( XXXX ) ( XXXX ), I received a response from PRA greater than XXXX day of the original dispute with no clear validation of this account. I requested that PRA delete the inaccurate information and to notify the all credit bureaus. In Reviewing my credit report on XX/XX/XXXX this account still shows as derogatory with all XXXX bureaus. I sent another letter to PRA on XX/XX/XXXX to inform them of the default back in XX/XX/XXXX and asked for validation on this account. I also reiterated that they must report this to the CRA. I received a letter from PRA dated XX/XX/XXXX however this letter was not received until XX/XX/XXXX. PRA 's letter did not justify validation nor did it justify the information in regards to the XX/XX/XXXX dispute. In response to PRA 's letter, I AGAIN notified PRA on XX/XX/XXXX that the letter dated XX/XX/XXXX did not validate the account according to TFC and FCRA. I received a follow up letter from PRA dated XX/XX/XXXX, greater than 5 days of the re-dispute, referencing 15 U.S.C Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) but failed to reference Section 1681s-2 ( a ) ( 8 ) ( F ) ( ii ) ( iii ) - that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. I did not receive notification from PRA of " such determination '' within the grace period. According to PRA, if they continue to receive subsequent correspondences from me regarding a dispute that has already been resolved, they will consider my inquiry answered. Therefore, my only options are to submit a complaint and to notify the credit bureaus in writing. Thank you in advance for you time
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| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi, Portfolio Recovery Associates # Account Number XXXX XXXX has violated my rights. They have place a debt collection notice on my credit report which is hurting my consumer credit report. I have requested from them via certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They did respond saying that I have an attorney or legal representative on this issue. No, thats false, I dont have any legal representative on this issue this is false and they are using this to keep incorrect notice on my consumer credit that is hurting me.
Portfolio Recovery Associates can not provide proof that I owe this debt and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report.
In accordance with the Fair Credit Reporting act Portfolio Recovery Associates violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Portfolio Recovery Associates has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Please help.
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| 02/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am currently in dispute with Portfolio Recovery Associates, LLC, whom since XX/XX/XXXX, have failed to validate a debt they claim I owe to them. Instead of following the cease and desist while the debt was being disputed, they proceeded to report this collection to the three credit bureaus. In addition, on XX/XX/XXXX, they sent me a threatening letter claiming that " my dispute alleges no new facts and includes no new information in which to form the basis of a new investigation, we will not be conducting another investigation of the dispute '' They proceeded to state " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' When I sent the first letter to Portfolio Recovery, they did not verify the debt. The second letter I sent requesting debt validation ( XX/XX/XXXX ), they responded back with a debt settlement letter. Soon after they sent the threatening letter ( dated XX/XX/XXXX ) refusing to investigate my dispute. I responded with a follow-up letter dated XX/XX/XXXX requesting validation, in which they failed to still verify. Instead they sent a letter dated XX/XX/XXXX with two statements. I have yet to receive the original signed contract with my signature stating I owe them this debt, and they continue to report invalidated and incorrect information to the credit bureaus claiming this debt is resolved, which is completely false and they added this false comment to my credit reports. As a consumer I have a right to dispute a debt and according to their letter dated XX/XX/XXXX they have taken away my rights by refusing to properly investigate this debt and taking away my rights to investigate this debt. They refuse to properly investigate this debt and as a result I am dealing with negative consequences based on their threatening and illegal practices!
|
| 08/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
|
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this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX
|
| 07/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I found out from the credit reporting bureaus XXXX XXXX and XXXX that there was a negative account under " Portfolio Recovery Associates, LLC under account number XXXX. Portfolio Recovery Associates, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Portfolio Recovery Associates, LLC has failed to provide the information requested. Portfolio Recovery Associates, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Portfolio Recovery Associates, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Portfolio Recovery Associates, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Portfolio Recovery Associates, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Portfolio Recovery Associates, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Portfolio Recovery Associates, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 09/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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This company continues to report incorrect data. I continue to fight with them on removing this debt. I located a screen print of data that shows the re-aged the first delinquency of this debt. XXXX has not been in business since XX/XX/XXXX. I called XXXX XXXX, who I have current debt with, state they no longer show this debt as it has been closed for 7 years. This company is attempting to pass this on as new debt. It is not, which is a violation of the FCRA. In additional Texas Finance code ( Texas Finance Code Section 392.202 ) states it goes by the date of first delinquency.
The company has yet to provide me a copy of the surety bond, which is required to collect in the state of Texas per the Finance code. Texas Surety bond information as required by Sec. 392.101. This company continues to just close my complaints with some bogus generic response.
I pray you force this company to provide a copy of the surety bond and the initial records of my last payment to XXXX, which will prove they re-aged this loan and violated the FCRA reporting requirements. I want all my billing statements from XXXX to reflect this is not new debt and this company violated my rights under FCRA. I expect to receive these statements from date of origination to date to XX/XX/XXXX. I also want a copy of the welcome letter and the purchasing agreement and records reflecting the last payment of this debt and the amount this company paid for the debt. I demand all of this within 15 days of submitting this request.
I will continue to open a complaint until I get the information I am requesting and this is removed from my credit report. This company has yet to provide the requested documents. They are ignoring my requests completely.
This debt was not opened in XX/XX/XXXXor XX/XX/XXXX. And XXXX XXXX who took over XXXX verified this information. I give the CFPB permission to call XXXX XXXX to verify this information and verify this company is reporting wrong information and refuses to remove it off my credit report.
|
| 03/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Portfolio Recovery Associates added a negative item to my credit report in XX/XX/XXXX. I called them and inquired as to what this debt was and how it came to be that it was assumed my debt. I then asked for them to verify that this debt was indeed my debt and to send my proof ( such as an application, with my signature on it, in it's original form ) proving that this debt belonged to me. Om XX/XX/XXXX what I received was a bunch of statements with nothing more on it than my name, address an account number a balance and dates from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX? /This was not what I asked them for, nor was it proof that this was my debt. So i disputed through the Credit Reporting Agencies, They claimed also that they verified the debt, yet they also failed to answer my request for the method of validation. So in XX/XX/XXXX, almost a year from the time that this item was on my credit report and had brought my credit score down by 48 points, I requested the information again, this time asking for specific documents verifying that this debt was my debt, Once again I received a letter from them stating that " We have completed our investigation of your dispute concerning your account '' and inside the letter was the same exact information that was sent before, They haven't sent the application, because they don't have it and have never had it because I never completed an application with them, Furthermore, the Fair credit Reporting Act says that furnishers of information must " Provide complete and accurate information to the credit reporting agencies within 30 days of the dispute or the information must be deleted ''. Portfolio Recovery Associates has yet to do so after one year.They was reprimanded in XX/XX/XXXX by your Bureau and it seems that they are back to their old ways. I have been harmed by this reporting as it has cost me job opportunities as well as increased financial distress and I had no other option ( at this point ) than to seek assistance with this matter,
|
| 07/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
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Web |
|
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On or about XX/XX/XXXX I received or otherwise became aware of a collection notice sent to me by Portfolio Recovery Services I responded with a letter requesting validation of the debt. However, I did not send this information with a return receipt request. On XX/XX/XXXX I contacted the Portfolio Recovery Associates Ombudsman via email and requested validation of debt and also provided the standards for validation for the State of Texas. The PRA Ombudsman responded with a statement that provided none of the validation information required by the Texas statute. I responded to the statement and expressed that the information provided did not meet the standard for validation in the State of Texas. This information was provided to the credit reporting agencies and the Texas Attorney General but no action was taken by any of the agencies. I filed several disputes in the interim still no action to remove this account.
Recently I received an answer to my validation request dated XX/XX/XXXX, pretty close to a full year after my request. The Texas XXXX XXXX requires that the collection agency respond with all of the information required in the debt validation list within XXXX days, otherwise, as stated in the statute the validation is incomplete. Additionally, the validation does meet the time constraints for validation in the Texas XXXX XXXX.
Attachment 1 shows the original response from the Portfolio Recovery Associates ombudsman. Attachment 2 shows the response from Portfolio Recovery Associates that is incomplete. As required by the Texas statute the response is incomplete. The response does not include information regarding the surety bond for Portfolio, in other words I have no idea whether or not they can legally collect debts in the state of Texas. Also, the response does not include the date of last activity on the account. This is important because I need to know whether or not the account is still within the statute of limitations in the state that the debt is being collected.
|
| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Portfolio Recovery Associates REPORTING TO XXXX, XXXX, XXXX Acct No : XXXX After receiving improper notice from Portfolio Recovery Associates, I sent written request for validation and Portfolio Recovery sent improper validation. They did not include the Original Creditor 's Address as required by the Fair Debt Collection Act : Section 809 ( see attachment ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the NAME AND ADDRESS of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and ADDRESS of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and ADDRESS of the original creditor.
ALSO, Portfolio Recovery used deceptive practices by putting at the bottom of the letter that that was not an attempt to collect a debt. ( SEE ATTACHMENT ) Section 807 : A debt collector may not use any false, DECEPTIVE, or misleading representation or means in connection with the collection of any debt.
ALSO, Portfolio Recovery used deceptive practices and did not accurately report the last late payment on the original account.
|
| 06/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Have no clue what this account is, I reached out to Portfolio Recovery regarding this error when I first discovered it on my credit profile, This company failed to inform me of this debt, I called the company and informed them i had no knowledge of this debt and who was the original creditor and how do i owe this debt, The rep kept trying to pressure me into paying it and wouldn't give me the information i requested such as who is the original creditor and why do they feel i owe this debt .I hung up and sent out a letter asking for validation they sent me a bill I still had know knowledge of the account because i never had an account with the company, So i sent them another letter with the law as to what validation meant .I also sent in a request In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money?
b ) How this amount has been calculated in a way I can understand.
c ) Copies of the papers where I agreed to pay what you say I owe.
d ) ( if applicable ) a copy of the judgment.
e ) The name of the original creditor.
f ) Demonstrate that you are licensed in Louisiana, and provide this license number to me.
Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute.
Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this.
You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 52 days passed and Portfolio Recovery has refused to respond.I mailed letter via certified mail and upon tracking the letter it was received
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates.
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt.
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA.
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXXXXXX Account Have been split between two debt buyers ' companies who are affiliates with one another.
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates.
with different reporting.
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
|
| 12/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TO : Portfolio Recovery Associates , LLC ACC # ACC # XXXX Account Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 A ACC # XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : PORTFOLIO RECOVERY or any company associate with this account 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, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, PORTFOLIO RECOVERY ASSOCIATES AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates.
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt.
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA.
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXX Account Have been split between two debt buyers ' companies who are affiliates with one another.
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates.
with different reporting.
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
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| 06/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have 2 debts from Portfolio Recovery on all of my credit reports. I have tried through all credit agencies to request corrected information. Unfortunately, these agencies as I understand it, only confirm that the collector SAYS it's my debt. I want the debt confirmed with some documentation because I do not believe its mine or could be accurate. My father added me to accounts he had when he was sick and I was his caretaker. This was so I could shop for what he needed. I can not discern based on any info I see on my report that these are debts I personally had. I believe they may be accounts I was not a co-signer for but was added to the cards as a user only and I believe I would not have responsibility for his debt.
I do not have any known accounts within the 7 year time frame or with the companies listed. I initially requested dates to be confirmed which I never received any documentation of exactly what day I made any payments for any debt.
1. Accounts are listed as XXXX XXXX and XXXX. I have not had accounts through XXXX in over 20 years that I can estimate and not familiar with what XXXX XXXX is.
2. I was a full-time stay at home care person for my father since early XXXX until he passed away in XXXX. That is how I am aware of dates when I became unable to pay any debts. ( I was unable to work in XXXX ). I had initially asked through credit reporting agencies to verify the information. Any final payments on any accounts I had personally were from before my time not working. I decided to dispute to clear up what the debts were and to get specific dates on any final payments made.
I have repeatedly seen my credit accounts say ( consumer disputes ) and that's it. I have yet to see any documentation as to what these are and what dates they have assigned it being verified. My credit report states dates of XXXX which is not possible.
I never even applied for credit anywhere after my father became ill because I was not working and my credit had already declined.
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| 06/28/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.
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| 02/29/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I just found out about the Consent Order vs. Portfolio Recovery Associates , LLC. They sued me for a ( should have been ) Time-Barred Debt.
My problems with Portfolio Recovery Ass.
mirror nearly everything in the Consent Order that they were guilty of.
I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ).
I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too.
I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''.
Many of the violations listed in the Consent Order, match up with my experiences with Portfolio Recovery Ass.
1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info.
2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment.
3. Called my phone at all hours, many times a day.
4. Referenced legal action before any had begun.
5. Only had " Request for Admissions '', could not provide any proof.
6. Trying to collect on a Time-Barred account.
I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated.
I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress.
I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much XXXX ( I obsess ), worry and marital strife.
I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
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| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXXPortfolio Recovery received my letter to cease all communication and attempts to collect on a debt that I disputed. But they continued to contact me ( I have proof attached ). This company continued to send me mail regarding this fraudulent account This is a violation of 15 U.S. Code 1692c ( c ) Ceasing communication. I also never gave this company prior consent to contact me This is another violation of 15 U.S. Code 1692c ( a ) Communication with the consumer generally. The FDCPA clearly states -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are also in violation of 15 U.S. Code 1692b - Acquisition of location information Every month in XXXX and also XXXX Portfolio Recovery has continued to send letters in the mail claiming that I owe a debt that was never validated. Under 15 U.S. Code 1692b ( 3 ) the FDCPA clearly states not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. This company reported this negative information on my credit report and this has caused me to be denied property. This has caused me and my family financial damages due to being denied. This makes Portfolio recovery liable for actual damages under 15 U.S. Code 1692k- ( a ) Civil liability ( a ) any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
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| 10/12/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBERs : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Fax : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 PORTFOLIO RECOVERY ASSOCIATESor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. 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 : date account open all sign original contract 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 : PORTFOLIO RECOVERY ASSOCIATES or any company associate with this account 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, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
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| 06/12/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!
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| 05/30/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I sent a letter to Portfolio Recovery for an account on my credit that is not mine. Copy of my letter attached. I asked them for signed credit application and one statement. on XX/XX/XXXX Portfolio replies that they need my request in writing ( Mind you, I did it in writing then how and why did they reply to me?. ) Their Letter is attached with my reply.On XX/XX/XXXX, They sent me a copy of a statement as proof of debt. On XX/XX/XXXX I reply that the address on the statement is not my address, therefore this shows that the account was opened via fraud. Copy of statement showing wrong address attached. on XX/XX/XXXX they replied that they did not receive the information they requested from me and that they cant complete the investigation to which I replied that I did reply and requested a fraud packet ( Copy of their letter and my response attached ). on XX/XX/XXXX they replied again that since they did not receive the information requested they were terminating the investigation to which I replied what additional information they want from me on an account that is not mine.on XX/XX/XXXX Again they replied that they have not received the information requested and can't complete the investigation. ( Copy of their letter and my reply dated XX/XX/XXXX attached ). On XX/XX/XXXX They said the same thing, they have not received information from me. I replied today XX/XX/XXXX, attached is their letter and my reply. As you can see this company plays cat and mouse and keeps ignoring the fact that I already told them that the credit card statement they sent me contains an address that is not mine, copy of that statement is attached for proof. I no longer know what to do with this company I previously filed a complaint against them and they sent proof, yes but with an address that I never lived at so here goes my complaint again, lets see what they respond to you now. I can play this game with them eternally, let 's see what games they play with you the CFPB.
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| 03/04/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 04/22/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 04/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 02/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On XX/XX/XXXX I called XXXXXXXX XXXX for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed.
In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not.
I never received a validation of debt letter. Under California law, a creditor/collection agency does not have to provide one. I never received one. Next, this was written off on XX/XX/XXXX by the original creditor. They never sold the debt to PFA. I do have the write-off letter to prove my case that this, as of XX/XX/XXXX, is an invalid debt and by PFA continuation of the collection is a fraud. I have requested a full transactional history of my account. XXXX from PRA said I would have it within 10 days. I have not received that, but I did get a letter dated XX/XX/XXXX asking for fraud information. If they bought this debt from XXXX XXXX why have they not done their due diligence to get to the bottom of it. They are violating my rights under the FDCPA. They are literally breaking the law by collecting on a debt that is no longer valid for the sake of trying to collect on the debt. The letter from XXXXXXXX XXXX will be attached.
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| 04/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/2020 I received a call from portfolio recovery from a very nice lady, and i explained that I was fighting for XXXX, and I explained I had a lawyer helping me ( with social security only ) and he informed me it could take up to two years to get approved. I also explained that I thought I had filled out hardship paperwork. I do not remember at this time if I asked for no phone calls, but i thought this would have take care of the phone calls for now. Until ...
On XX/XX/2020 at XXXX I received a phone call from XXXX from a lady who represented herself to be a debt collector from portfolio recovery associates. I verified my personal information, and explained that Ive already spoken with someone, and told them i was in the middle of filing XXXX, and went through the whole story AGAIN and I havent been working since last year ( XXXX ) - I asked for NO phone calls to any phone number listed in ANY OF my accounts. She even tried to verify if my phone number was a good contact number. I said PLEASE DO NOT CALL ME.
On XX/XX/2020 at XXXX, I received yet another call on my cell phone, from a woman who again identified herself as being from portfolio recovery. I identified myself and explained there should have been a no phone calls note on my account, ( I did verify my information ) she said she would put one on there. I exclaimed that she has now broken a law, and she went on with her statements, I again stated that she had broken the law, and she told me she would put a do not call on my account. I said that shes already broken the law, and hung up.
I am XXXX, and after explaining that my XXXX wont likely be approved for up to 2 years, Im not sure what may have changed between XX/XX/XXXX, and XX/XX/XXXX and then again between XX/XX/XXXX, and XX/XX/XXXX. Then, to ignore or disobey the do not call I had requested is not acceptable.
I am very upset by this. If something is not corrected, I dont mind taking matters a step further.
Thank you.
XXXX
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| 07/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX Hi, To whom this may concern, I am writing this letter to Portfolio Recovery Associates and all three credit bureaus XXXX, XXXX and XXXX.
To inform Portfolio Recovery associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who Portfolio Recovery associates is. I have never received nor sort of mail or any sort of communication from Portfolio Recovery associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included XXXX XXXX my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full.
Overly paid off.
I was reaching out to XXXX XXXX a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company.
Each time I will make a payment to my XXXX XXXX account the following month I will owe more money.
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with PORTFOLIO RECOV ASSOCIATES up until today.
I have disputed portfolio recovery associates. And I will sue portfolio recovery associatesXXXX XXXX XXXX for fraudulent activity.
I will also be filing a police report with this letter. And will be reporting this as fraudulent activity.
I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my XXXX XXXX account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts.
I do not see how any of this is possible? Without validation. Authorization orauthentication?
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| 09/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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About month ago, I contacted XXXX XXXX on a new account. It sent me to a company called XXXX XXXX XXXX by mistake. I was told that I owed XXXX on a XXXX XXXX credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of Portfolio that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a bankruptcy court. The account is XXXX. The phone number of the Portfolio Recovery Associates is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another Portfolio Recovery Associate because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX
|
| 10/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates acquired my XXXX XXXX credit card account that unfortunately went into collections for non-payment. The balance owed was approximately {$2300.00}.
On XX/XX/18, I called PRA to inquire about settlement options to resolve the matter as soon as possible. I was able to negotiate a reduced balance of {$1300.00}. On that day, I made a payment with my debit card in the amount of {$600.00}. The representative that I spoke with stated that I could pay the remaining balance in 6 monthly installments of {$120.00} each. I advised that I would submit payments via check because 1. ) I was already previously the victim of identity theft and 2. ) The card that I made the payment with over the phone was damaged and I was in the process of replacing it.
Approximately one week later, I started receiving notices via mail from PRA stating that the card that I specifically DID NOT give authorization to establish an installment plan on would be charged {$120.00} for six monthly installments.
On several occasions, I called PRA to advise that I didn't grant permission to charge THAT card any more than the {$600.00} paid XX/XX/18 and called my financial institution to block any PRA pre-authorizations on that card. In the meantime, not once was I late or missed a payment since the installment plan was established. As a matter of fact, I mailed a check each week in the amount of {$32.00} beginning XX/XX/18 to PRA which totaled {$120.00} per month ( more than the agreed upon installment plan ). Please see the supporting documentation.
On XX/XX/18, I called in to submit a final payment of {$160.00} to finally settle the collection account only to be told that my balance was {$1000.00} because according to them, I violated the terms of the settlement agreement.
I am of the belief that PRA reneged on their offer and I would like to have a third party intervene and come to an objective agreement so that I can finally resolve this matter.
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| 02/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge.
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time.
Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located.
I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call.
Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ).
I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA.
I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised.
As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic.
Could you please investigate this issue and help me to resolve this without penalty charges?
Appreciate your help, Thank you.
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| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Hi, I have reach-out Portfolio Recovery since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( 1970 ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. Portfolio Recovery did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. Portfolio Recovery only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. Portfolio Recovery will have to a do a XXXX XXXX search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.
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| 01/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's, XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
|
| 02/03/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated committed crime not paying
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Web |
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Complaint is in regard to Portfolio Recovery Associates, on a credit card account for XXXX. XXXX account # XXXX, issuedthru XXXX XXXX XXXX.
I have tried to call Portfolio Recovery, about a dozen calls in all, they flip your call from one rep to another, and / or disconnect the call. I have asked to speak to a supervisor, XXXX XXXX, to no avail. They send you to their PRA Resolution website which does not allow me to submit the complaint.
I am enclosing XXXX pages of documentation.
First XXXX pages are letter sent to me on XXXX/XXXX/XXXX along with refund check of {$160.00}. Amount of payment is incorrect according to paragraph XXXX of their letter, that states that the refund is in accordance with the consent order reached with CFPB, and that the refund amount covers payments made in the first 60 days.
They keep telling me that the amount they sent was DETERMINED by CFPB, and refer me to you.
XXXX XXXX and XXXX of my documents are copies of settlement agreement dated XXXX/XXXX/XXXX. First 2 payments scheduled are XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
FIRST 2 PAYMENTS WERE MADE WITHIN 42 DAYS AFTER AGREEMENT MADE, BY PHONE.
XXXX XXXX and XXXX of the attached documents are copies of XXXX XXXX XXXX statements that show that payments of {$160.00} were actually withdrawn fom my account electronically on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, for the benefit of payee Portfolio Recovery.
SINCE THEY RECEIVED 2 PAYMENTS TOTALLING {$320.00} IN THE FIRST 42 DAYS FROM AGREEMENT / ARRANGEMENT MADE BY PHONE, I FEEL THAT I AM DUE ANOTHER {$160.00} REFUND CHECK, AS PER TERMS OF CONSENT ORDER.
IN ADDITION, AS YOU CAN SEE ON XXXX/XXXX/XXXX LETTER SENT TO ME THEY HAVE FAILED TO LIST CONTACT PHONE NUMBER FOR CFPB, AND OR WEBSITE FOR CFPB, FOR FURTHER FOLLOW-UP.
Please enforce the consent order terms to the fullest extent. If they are trying to XXXX me, they are doing it to others, as well.
Thank you, in advance, XXXX XXXX ( XXXX ) XXXX Email : XXXXXXXXXXXX
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| 07/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.
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| 09/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom it May Concern, Your firm has failed to send the legally required validation of the following debt : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX You have sent me copies of bills that is owned by other companies which is not validation. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ).
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. That is to file a lawsuit against this company. I have already had dialogue with an attorney on my rights. I have every intent to sue if the matter is not taken care of.
Thank you in advance for your attention to this matter.
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| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.
|
| 04/05/2017 |
Yes |
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Web |
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I wanted to report that a Sourh Carolina magistrate judge granted Portfolio Recovery Associates a {$2000.00} judgement against me today even though the lawyer representing XXXX had no original account documentation and no chain of custody from the party they claim was the original creditor, XXXX Online bank. The account was opened according to their records in XX/XX/XXXX. Their evidence was three statements. One from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PRA claims they purchased the account from XXXX XXXX XXXX and they simply provided an assignment of a portfolio number. I argued that I did n't even know the original creditor and there was no chain or custody from them to XXXX and no original paperwork showing my signature or the terms. I cited a civil suit that the consumer protection agency won against the law partners of XXXX stating that they are now required to show original account level documentation and a complete chain of customary. The judge allowed a notarized affidavit from a representative of PRA to be used to establish the accuracy and authenticity of their claim although the rules I received from the court said no written witness statement, even notarized were allowed. The judge would not even review the civil case and admonishments from the consumer protection agency against XXXX and quickly ruled against me because I acknowledged I once had a XXXX account. I argued the amount was not verifiable but he did n't care. Does the case you won against them have no meaning for future consumers being affected by the same shoddy, unethical practices? The judge said even if I had won today I would have had to come back for a trial and prove the debt was not mine! And the amount was n't right. How do you defend against that? It 's like if they say you owe them, you do. As far as I can see, PRA, who was also fined and admonished by the consumer protection agency and cooking and winter are back to business as usual and still winning.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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US POSTAL SERVICE CERTIFIED MAIL XXXX On XXXX I sent certified mail to this company, They have received the letter but fail to respond.
RE : Violations I pull my credit report and notice you ( Portfolio Recovery Associates, LLC ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me.
According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information.
Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( Portfolio Recovery Associates, LLC ) pull my consumer report.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.
|
| 04/04/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I first became aware of the Portfolio Recovery Associates collections after reviewing my credit report in XX/XX/2017. Prior to XXXX I had no communication with PRA and was not aware of the collection. Upon requesting verification of the debt, I was told that they had sent communication to an obsolete address. I have lived at my current address for 7 years and can provide proof of residency. I was told by PRA that the original creditor was XXXX, although XXXX is aware of my current address. I am confused as to why they would attempt to send communication to an old address when XXXX was aware of my current address. I do not think it is right to enter collections on my report without providing me with an opportunity to validate the debt and ensure accuracy. I was not allowed to properly exercise my debt validation rights under the FDCPA. After researching this company it has come to my attention that although I was never sent any information regarding this debt the company called me repeatedly but never left a voicemail indicating who they were. I have had absolutely no communication with Portfolio Recovery Associates until I called to inquire as to why they were listed on my report. The customer service rep that I spoke to was very rude and accused me of lying about the accounts. I asked to no longer be contacted via phone and that all correspondence be sent through U.S. Postal service. In my initial request for validation in XXXX, I received what I believe to be inadequate validation. In their validation they merely included a blank credit card agreement ( that was not signed by me ) and a copy of 3 months of statements, none of which reflected any activity. I am not requesting a verification of your records or a verification of the credit card company 's current policy. I am asking for proof that I incurred this debt, how much was incurred and that you have the right to collect it. Proof of my liability is my legal right under the FDCPA.
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.
|
| 07/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday.
This debt was settled years ago thru another collection agency.
Case number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase.
In response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting.
ReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( " PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting.
ResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
|
| 01/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio {$2500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio.
The bill they sent me was Bill due date XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXX Where is the info for XXXX?
XX/XX/XXXX Balance {$2500.00} XXXX XXXX ) XX/XX/XXXX Balance XXXX ( XXXX ) XX/XX/XXXX Balance {$2100.00} XXXX XXXX ) which shows it was charged off for {$2100.00} Why are they attempting to collect a debt for {$2500.00} when it shows it was charged off on XX/XX/XXXX for {$2100.00} Date opened they stated is XX/XX/XXXX but the account was provided a bill for XX/XX/XXXX with a charge off of {$2100.00}. I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things.
Portfolio {$1500.00} This account has been disputed since XX/XX/XXXX. They keep sending me the same automated response with no information providing me if in fact they owe the right to collect this debt, no documentation from the original creditor stating they sold it to Portfolio. The bill they sent me was Bill due date XX/XX/XXXX ( XXXX ) {$1100.00} Where are the bills for dates of XXXX? Where is the Final bill showing the Charge off? Why does the bills jump to Bill Due Date XX/XX/XXXX ( XXXX ) {$1400.00} Bill Due Date XX/XX/XXXX ( XXXX ) {$1500.00} How does a balance {$1100.00} on XX/XX/XXXX go to {$1500.00} on XX/XX/XXXX. Date opened they stated is XX/XX/XXXX but I never got a validation notice or have they provided me a copy of that as well. This debt is obviously expired and have since XX/XX/XXXX sent a cease notice in which they have ignored and continue to send me things.
This debt is not mine and does not belong to me
|
| 10/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I have repeatedly disputed erroneous information on my XXXX credit report that has adversely affected me and my credit worthiness. Portfolio Recovery Associates has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue.
The entry on my report for Portfolio Recovery Associates ( PRA ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - PRA is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that PRA is verifying this information and it's accuracy with the original creditor then?
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with PRA 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information?
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from PRA!
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted.
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX XXXX own reporting. This should be deleted.
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| 12/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
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I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing XXXX XXXX score from increasing. The four companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Portfolio Recovery Associates XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with Identity Theft security. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX.
Your time and thoughtful consideration are greatly appreciated.
Thanks, XXXX XXXX XXXX
|
| 04/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account.
In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.
|
| 03/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred.
According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX ( XXXX ).
I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address.
I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX.
In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web.
I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts.
On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed.
The XXXX account, associated with my current address and email, does not indicate an outstanding balance.
I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity.
My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account.
According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.
|
| 10/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
|
|
This complaint is against Portfolio Recovery Associates regarding an account. I paid an outstanding balance of {$890.00} on XXXX XXXX, XXXX at XXXX. I contacted XXXX XXXX 's court because I have a case there regarding this debt that was paid. XXXX XXXX, XXXX at XXXX and spoke with XXXX XXXX the courts building. She advised they have not received anything from XXXX XXXX showing that the balance has been paid. I have already gone to the court house with the copies of my receipts showing proof the balance has been paid. But that is not sufficient, they want documentation directly from Portfolio Recovery Associates stating the balance has been taken care of and that the case can be dismissed. I contacted Portfolio Recovery on XXXX XXXX, XXXX at XXXX at the number XXXX and I was told they were going to email a supervisor regarding this matter. Again I called Portfolio Recovery Associates at XXXX and requested to speak to a supervisor on XXXX XXXX at XXXX. The female representative would not transfer me to a supervisor that she was going to email her supervisor regarding this matter. XXXX XXXX, XXXX I called the courts and the court house advised that they do not have the documentation from Portfolio Recovery. On XXXX XXXX, XXXX, I emailed Portfolio Recovery to take care of this matter and have the court case dismissed at XXXX XXXX XXXX 's Court. Nothing got resolved and I did n't not get a response from XXXX XXXX. I called Portfolio Recovery XXXX XXXX, XXXX at XXXX, I spoke with XXXX XXXX and she had me transferred over to a supervisor. The supervisor advised that they were sending me a letter to my home address and on that letter I had to sign the paper work to have the case dismisssed. She said the letter had been mailed out on XXXX XXXX, XXXX, I still have not received the letter that I needed to sign. Today, XXXX XXXX, XXXX at XXXX I spoke with XXXX XXXX Portfolio Recovery and he told me he was going to email his supervisor.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : Portfolio Recovery Associates XXXX , XXXX
|
| 01/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.
|
| 05/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies.
I found multiple incorrect Accounts that did not belong to me and incorrect personal information.
Including this Account : Portfolio Recovery Associates {$140.00} Opened XX/XX/XXXX On XX/XX/XXXX I Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA.
On XX/XX/XXXX. XXXX addressed other issues but did not Validate the above account.
XXXX failed to provide me with any of the information I requested.
On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account.
On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to XXXX I also Faxed the complaint and spoke with XXXX on the phone.
On XX/XX/XXXX XXXX acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise.
On XX/XX/XXXX XXXX validated the account as accurate, again without providing me ANY Validated, or Verifiable information.
On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither XXXX of Portfolio Recovary has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.
|
| 05/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Collection agency ( Portfolio Recovery ) purchased a debt from XXXX XXXX XXXX in XX/XX/2016. Portfolio Recovery contacted me at my work during working hours and demanded payment of {$400.00} on numerous occasion. Since my employer was now involved, I agreed to a payment schedule of {$69.00} a month in which I paid the first payment with my debit card over the phone. After making the first payment, I reviewed my financial records and could not find where I had ever had an account with XXXX XXXX, therefore I disputed the debt with Portfolio Recovery and in return they sent my a copy of an electronic bill from XXXX XXXX. I responded to Portfolio Recovery stating that this was not my debt and requested a document from XXXX XXXX bearing my signature showing that this was in fact my debt. I then received the same copy of an electronic bill that did not have my signature. I made the second month payment of {$69.00} and then I contacted Portfolio Recovery by phone in which their Customer Service Agent stated that I owed {$260.00}. I told the agent that this was not my debt but she insisted that I would still have to pay or the collection would be on my credit report for seven years. She then stated that if I would pay the remaining {$260.00} that Portfolio Recovery would agree to remove from my credit report if paid in full. I then made a debit card payment in the amount of {$260.00}. After a few months went by, I check my credit report from the three major credit bureaus and found that two of them still listed the collection on my report. I have filed numerous disputes with both the credit bureaus and Portfolio Recovery and each time I receive the same notification that they have verified this debt to be mine and each time I receive the same copy of an electronic bill from Portfolio Recovery. This issue has been going on for almost a year now and I can not get any resolution from either the credit bureaus or Portfolio Recovery.
|
| 04/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : PORTFOLIO RECOVERY ASSOCIATES Account number XXXX ....
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
While I have originally reached out to Portfolio Recovery Associates, LLC., ( referred as PRA herein ) to resolve this complaint and issue, PRA has not responded to a notarized Affidavit of Truth, nor have they remedied the issue.
On XX/XX/XXXX, I submitted a CFPB report where I have complied my cease and desist, debt validation, including the exhibits of violations, an affidavit of truth, and my desired remedies for this situation. Portfolio Recovery Assoc. is in violation of several codes of the FDCPA, FCRA, and TILA.
On XX/XX/XXXX, PRA responded to my complaint- rendering the complaint closed. However, I was not notified through the mail nor received adequate response to the aforementioned documents.
As this is a fraudulent transaction- I did not consent to conduct business with PRA or XXXX XXXX, nor did I consent to XXXX XXXX transferring my alleged personal information to PRA. I am requesting action to receive the remedies listed in my Cease and Desist to PRA.
Below you will find the original complaint : " On XX/XX/XXXX, Portfolio Recovery Associates, LLC., sent me a notice of an alleged collection account from XXXX XXXXXXXX Bank in the amount of {$470.00}, by mail. This is a fraudulent account. I responded on XX/XX/XXXX, to Portfolio Recovery Associates, LLC., by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. On XX/XX/XXXX, Portfolio Recovery Associates, LLC., responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce. ''
|
| 07/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a XX/XX/2021 dated correspondence from PORTFOLIO RECOVERY ASSOCIATES, LLC stating a debt obligation requires satisfaction. It is not now nor has it ever been my intention not to honor any debt obligation that I owe. In response to this presentment I sent a correspondence outlining the documentation and verification required of PORTFOLIO RECOVERY ASSOCIATES, LLC in order to honor this debt obligation that PORTFOLIO RECOVERY ASSOCIATES, LLC claims that I owe. I created this response on XX/XX/2021 and it is received by agent on XX/XX/2021 at XXXX XXXX via United States Postal Service certified mail tracking # XXXX XXXX XXXX XXXX XXXX. In response to my correspondence PORTFOLIO RECOVER ASSOCIATES, LLC sent a XX/XX/2021 dated letter that failed to document and verify the debt. In my correspondence I made it clear that I would require a {$2500.00} counsel fee for each time the debt collector contacted me if they were unable to document and verify the debt obligation as required by federal and state law. I believe the name of the woman during a phone conversation on XX/XX/2021 was XXXX XXXX. She claimed to represent the debt collector and she attempted to coerce me into agreeing on a recorded line that the debt in question is valid. She claimed that she would be bringing a manager to the phone line but no manager ever spoke on the line. These practices only further demonstrate that PORTFOLIO RECOVERY ASSOCIATES, LLC is engaged bad faith practices. Filing this complaint with the Consumer Financial Potection Bureau is my only recourse short of litigation to protect myself from the unfair dealings and deceptive practices of institutions like PORTFOLIO RECOVERY ASSOCIATES, LLC. In a previous complaint I was contacted by an attorney who filed a complaint with the Supreme Court against such an agency. I welcome that such an invitation if it exists in this case as well. Thank you for you time and concern in this matter.
|
| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Was served with a complaint from Portfolio Recovery Associates LLC on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from Portfolio Recovery Associates LLC for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. Portfolio Recovery Associates claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. Portfolio Recovery Associates LLC has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The JP XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel Portfolio Recovery Associates LLC followed the rules of civil procedure as well as the JP. Maybe they do this alot as I see many many cases with this same JP. But they failed to verify the debt. If you need further information please feel free to contact me.
|
| 10/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.
My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them.
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
|
| 01/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone.
Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.
|
| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to Portfolio Recovery Associates in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to Portfolio Recovery Associates because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, Portfolio Recovery Associates, XXXX, XXXX, and XXXX to no avail.
|
| 01/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
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PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : PORTFOLIO RECOVERY or any company associate with this account 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, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original creditor PORTFOLIO RECOVERY Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of XXXX, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I'm making claim that Portfolio Recovery Associates in regards to alleged debt [ Account Number XXXX Balance : XXXX ] has violated my rights as a consumer and has failed to comply with provisions of the subchapter { 15 US Code 1692 }.
And in { 15 US Code 1692 ( k ) } ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
So since I have been greatly injured and has cause me and family great harm ( in attached documents you can see violations and other forms of injury ) by law I that shown above I'm entitled to remedy so I demand that all information be removed from my credit file and all schedule fees due to me be paid in full. My invoice was enclosed in the affidavit I sent to them and it is attached as well. My Mailing information was also in affidavit so they can send payment.
|
| 07/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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After pulling my credit reports, I noticed an account listed as Portfolio Recovery that I was not familiar with. On XX/XX/XXXX, I drafted letters to all 3 credit bureaus asking them to verify that this account did in fact belong to me as I have had several accounts listed on my credit report that did not belong to me. In this request, I have asked to provide proof that this account did in fact belong to me per my rights as a consumer. I have received correspondence from XXXX and XXXX that the account had been " validated '' and " updated ''. On XX/XX/XXXX, I then sent another letter to all 3 credit bureaus asking them to provide their method of " validation '' and to provide proof, I also sent a request to Portfolio Recovery as well to verify that this account did in fact belong to me. I received responses again that the accounts have been " validated '' and " Updated '' I also received letters in the mail from Portfolio Recovery dated XXXX that they took over this account and a copy of a bill. Both were addressed to a address that does not belong to me. Additionally, this document only verify that an account exists, and does not verify that this account belongs to me. On XX/XX/XXXX, I sent certified letters requesting proper verification of this account. Again, I received the same correspondence from the credit bureaus and the same exact letter from Portfolio Recovery. On XX/XX/XXXX I mailed yet another certified letter requesting proper investigation, proper documentation that verifies this account belongs to me and I received a note back from XXXX dated XX/XX/XXXX that this account has been " validated '' and " Updated ''. It appears that they are simply " validating '' and " updating '' the record with monthly updates from Portfolio Recovery. To date, they have not done a proper investigation, or provided any proof that this account does in fact belong to me and have violated my rights as a consumer.
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| 11/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : PORTFOLIO RC or any company associate with this account 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, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
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| 01/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : This complaint concerns my XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. XXXX XXXX has provided no proof of this alleged sale.
I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX Card from XXXX XXXX ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a letter requesting a copy of the sales contract, as proof of the alleged sale. This letter is attached.
3. My XX/XX/XXXX letter to Portfolio Recovery Associates was sent by Certified Mail, and it was signed for/delivered on XX/XX/XXXX. Documentation is attached.
Since XX/XX/XXXX, Portfolio Recovery Associates has been totally and completely silent. They have provided no actual documentation of their alleged sale, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. In addition, Portfolio Recovery Associates has reported this account to the credit bureaus without proving their right of ownership.
Because of their silence, Portfolio Recovery Associates refuses to answer the following questions : What is their proof of ownership? Why did they disregard the 30-day Fair Debt Collection Practices Act requirement?
Do they honor and respect the 6-year statute of limitations under Nevada law?
Do they recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc.??? Proof of Income is attached.
|
| 02/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}.
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report.
On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company.
XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX XXXX on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau.
I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant.
I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).
|
| 05/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.
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| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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Portfolio Recovery Associates has been and currently is reporting a closed/old account as an open/newer account on my credit report. This account was opened in XXXX and was closed in XXXX. Portfolio Recovery is reporting that this account was opened on XX/XX/XXXX and shows that the account status as " open '' on my credit report.
At first I thought it was fraud because of the dates they have listed on my credit report along with the " open '' status so I disputed it as fraud. Once the credit bureaus declined my dispute, I looked further into it and realized that it is my old XXXX XXXX ( XXXXXXXX XXXX XXXX credit card account that is being reported as a newer opened account. I continued to dispute Portfolio Recovery on my credit report for incorrect dates and it keeps getting denied.
I called XXXXXXXX XXXX directly and they told me they no longer have any information on this account and that I need to contact the debt collector to obtain information/documentation.
I called Portfolio Recovery Associates and asked for any documentation showing the original opened date for this account and I was told they do not have such documentation and that they can not send me the original account information showing when the account was actually opened even though they confirmed to me on the phone that the account was in fact opened in XXXX and closed in XXXX.
I then contacted Portfolio Recovery Associates a second time by email and asked them for my disclosure file. I also specifically asked them for the date the account was opened and the date of delinquency. Portfolio Recovery has not responded to my email. They refuse to give me this information in writing, they will only confirm the dates verbally over the phone so I do not have proof/confirmation of the true account information.
I need help. I have attempted every avenue to get this information from Portfolio Recovery and to correct my credit report.
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : PORTFOLIO RC or any company associate with this account 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, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 02/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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In XXXX of 2014 I received a collection letter claiming I owed money for a debt to XXXX. I never banked with XXXX nor did I ever carry a loan of any kind with them. The collection agency and collection account is labeled below.
Portfolio Recovery - Open Collections - {$6300.00} - XXXX I disputed this debt with Portfolio Recovery on XXXX/XXXX/14 as I have never carried a debt with XXXX. They failed to validate the debt with me according to what is required in the FDCPA. They also failed to report at anytime this debt having been disputed by me. Enclosed you will find copies of my correspondence with them.
Dated XXXX/XXXX/2014 - This is the request for Validation I sent to Portfolio Recovery Dated XXXX/XXXX/2014 - Having received no response after 30 days this is my letter stating they are in violation of the FDCPA section 809 ( b ) and to immediately remove the listing.
Dated XXXX/XXXX/2014 - I received this letter from Portfolio Recovery in response to my Validation request. Notice this is Verification Information and not Validation according to the FDCPA section 809 ( b ). They have not proved they are the owners of the debt now and are legally allowed to collect said debt. They have provided none of what was requested in my XXXX/XXXX/14 letter and have not even provided an address ( as required by the FDCPA once again ) of the original creditor.
Dated XXXX/XXXX/2014 - I sent them a final letter informing them that they were still in violation and I would be filing against them in court to have this removed. This is the last correspondence we have had and the record still appears on my credit report.
I sent all these correspondences in a detailed dispute letter to each credit bureau and to this day received no response from the credit bureaus and the record still shows on my credit.
I have all detailed correspondence and mail receipts all saved and just seem to have run into a brick wall.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. To date, we have not received this information and can not complete the investigation. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now.
They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it.
In addition, this morning they again removed the account XXXX from online access so it could not be paid.
Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible.
The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.
|
| 12/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
PORTFOLIO CAPIT ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my 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 PORTFOLIO XXXX or any company associate with this account # XXXX AND XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report 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 : date account open all sign original contract 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 : PORTFOLIO XXXX or any company associate with this account 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, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
|
| 07/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I faced some financial difficulties after going through a very traumatic divorce. Due to exigent circumstances, I had to stop paying my XXXX XXXX XXXX and XXXX XXXX XXXX, both owned by XXXX XXXX. Portfolio Recovery not only sent me numerous letters but harassed me via telephone calls daily trying to collect on the debt including calling during my work hours and on both my cell and work numbers. If I was available, I would answer their call. I also contacted Portfolio Recovery on numerous occasions ( some dates I documented and some I didn't ), explained my situation, and offered to settle the debt for what I was able to afford. My offers were declined every time even though I explained that I had taken a loan from my retirement account to pay what I could afford of the XXXX balances. XXXX XXXX XXXX had already gone bankrupt but Portfolio Recovery would not entertain my offers. I was so desperate that I contacted attorney XXXX XXXX to file for bankruptcy. At the XXXX XXXX XXXX XXXX and XXXX were the only XXXX collections I had not been able to settle. XXXX XXXX counseled me to try to avoid bankruptcy and offered to send them letters to try to resolve the XXXX balances but Portfolio Recovery completely ignored. They reported both collections to the credit bureaus and that has affected my credit negatively. As a single mom, I am trying to rebuild my credit but due to Portfolio Recovery 's actions, I have been unable to bring up my credit score. I have been denied credit on several occasions because of that. I hereby request Portfolio Recovery removes the XXXX collections from my credit report as I have made continuous good-faith efforts to settle these debts and they have refused.
I have attached Portfolio Recovery Collection Letters and Attorney XXXX XXXX 's Letters to Portfolio Recovery.
XXXX debt amount {$4700.00} - offered {$1500.00} XXXX XXXX XXXX debt amount {$2300.00} - offered {$750.00}
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
|
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XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything.
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times.
Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam.
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers.
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number.
I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt.
Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.
|
| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 I sent communication to XXXX, XXXX, and XXXX credit reporting agencies with a dispute about an item that I did not recognize and had never entered into any agreement with. After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it, I was then told that it was verified. Soon after, I received a letter in the mail from Portfolio Recovery Associates, LLC stating that I somehow owe them money on a XXXX XXXX account I had. They showed me old statements that I had with XXXX XXXXXXXX, but I never received a single document stating or showing that I entered into an agreement with Portfolio Recovery Associates, LLC, even after asking for proof.
After numerous illicit calls from them, I found out that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed upon not being able to verify it, my request just came back verified and was not removed. As I stated earlier, I have never spoken to, dealt with, or entered into any agreement with Portfolio Recovery Associates, LLC. They are illegally trying to collect money from me, and they are hurting my credit and my livelihood by reporting this illegally on my credit report. I do not want to sue anyone but I also take this seriously, and breaking the law to harm me financially is something that I do not take lightly.
According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 01/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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The company, " Portfolio Recovery Associates '', has been reaching out to me for some time now. I am not aware of what actions they have taken, though upon speaking with them, it has become apparent that they are not in my best interest.
This morning at XXXX, a disgruntled representative called me and was adamant about reciting the companies disclaimer. Her and her manager explained that the debt was past the statute of limitations for collections, though the " debt, never really goes away ''.
A different representative reached out to me several weeks ago and stated that the settlement amount was as low as {$800.00} and that the record of my communicating with them was in the data base that they possess. I requested a copy of our contact history to no avail.
I am not not sure if they are the same company that said, " we'll find a way to get our money '' in a threatening manner many years ago. Though I am not and have not been available to catch up to several of my account balances as the lines of credit had been opened with the intent to acquire {$5000.00} a month over the course of several years. My business operated at 2008 though never reached the goal of {$5000.00} in month.
The collections agency, " Portfolio Recovery '', has busied my line of communication for a long while now. Contrary to what they claim, PR has negatively effected my credit score. Contrary to what they claim to have been a none-law suit acquisition of my XXXX XXXX XXXX credit card and XXXX XXXX credit card balance, the action of purchasing the account disables me from paying XXXX XXXX XXXX and XXXX XXXX.
I am now aware that I should of requested smaller monthly payment amounts, I did not abandon the lines of credit, I conducted business with the credit lines via monthly payments for as long as a I could manage.
I attempted to file a complaint this morning with the manager and was not permitted to do so.
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| 03/19/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ive been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file.
I pulled my credit file, I have XXXX XXXX listed on my credit file, immediately I contacted XXXX XXXX to report fraud as I only have one credit card with XXXX XXXX which I received in XXXX. I was advise by representative, to write in about complaint. I wrote in 4 times to collection agency Portfolio Recovery, this company only sends a bill. Every time I call back they say write in they send me a bill.
After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but I can not keep paying for debts I that are not my own.
Portfolio Recovery refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point.
Please help, unsure what to do at this point.
Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help.
- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents.
- spoke with legal which advised me to file report.
Thank you.
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| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is a follow-up to a complaint made on XX/XX/XXXX concerning XXXX XXXX, XXXX XXXX, Portfolio Recovery Associates, XXXX, and XXXX XXXX. I provided documents showing that I had a credit account with XXXX XXXX and another account with XXXX that was used to shield my bank accounts and/or other credit cards. Neither XXXX account involved a physical credit card ever. A credit card was never issued to me. XXXX XXXX wrote to advise me on XX/XX/XXXX, that it would become the owner of my XXXX XXXX account as of XX/XX/XXXX. I was unconcerned about that action because I had paid my XXXX XXXX account in full as of XX/XX/XXXX and did not intend to use it for anything more. I started getting billed in XX/XX/XXXX for XXXX rides that I had not charged. XXXX always served as a pass-through agent to retrieve funds from my bank account to pay any vendor. XXXX XXXX did not provide records of those transactions done before XX/XX/XXXX and chose to address both accounts as if they were singular. XXXX needs to address how the accounts became morphed into a single account. XXXX XXXX responded to my complaint by providing information to my XXXX XXXX account # XXXX. My complaint is about XXXX account number XXXX. XXXX attached copies of billings to the XXXX account, which was used for credit and was paid in total XX/XX/XXXX. However, as I complained before, the account ending XXXX was not a credit account and the funds came directly from my bank. XXXX did not clarify why they sent a letter to me on XX/XX/XXXX, stating the XXXX XXXX account would be funded by them, instead of XXXX XXXX, as of XX/XX/XXXX. Portfolio Recovery Associates claim to have bought the XXXX account, but XXXX XXXX claimed to have sold account # XXXX. There were two accounts : one was credit and one was a transfer agency account that was paid by my bank through XXXX. XXXX XXXX explanation is woefully inadequate and needs further investigation.
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| 01/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I would like to file a complaint against Portfolio Recovery Associates they have been trying to collect a debt that is not mine I have asked him on several different occasions to please not call me or contact me and they have sent me letters they have sent me of text messages they even called my job looking for me and you know what this is all for a dad that I asked them to show me proof and I asked for them to validate it and they were unable to do so they sent me just one letter saying this is what I owe and that it was something that they bought from another creditor but they did not show me any original documentation I did not show me my signature they didnt show me anything that I requested and all I want is either proof that this is in fact my dad because I do not recognize it and I when I say proof I want original documentation I want to see that theyre probably not allowed to collect in my state license in my state and I want you know everything that theyre supposed to show my lawyer in the FCRA that they did not show and I want them to also stop calling and stop harassing me for this money that I dont know theyve been rude theyve told me I was a XXXX and I dont appreciate it. its been really really stressful and you know they keep Marking my credit and every single month and they have yet to show me proof that this is my dad and I think that they should be fine and I already contactI already contacted legal representation and they do this for a living and they told me that does based on all the the documents that I said I showed them and I fax them out Im on like the communications that theyve sent me a portfolio sent me that they said that this is this is all a slam dunk case so I really at this point next step for me is going to be to take a class action lawsuit or they could just delete this from my credit report and my file completely and never contact me again and thats it
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| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I reached out to XXXX last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, XXXX XXXX XXXX, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to Portfolio associates while it was still in dispute status. I am documenting this complaint as a record both to XXXX XXXXXXXX XXXX and Portfolio associates that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither XXXX XXXX nor Portfolio have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
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| 08/14/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, TX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. Please accept this letter notification that I dispute the following items reflected in my credit report : Creditors Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX Provide me documentation that this is mine or delete it Note : PORTFOLIO RECOVERY ASSOCIATES has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.
1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any ch
art or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both.
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. )
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| 12/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have had 2 accounts that have been reported to my credit report since approximately XX/XX/XXXX by portfolio recovery associates. I had never received any communication from them what so ever until I had applied for credit and got declined stating that I had a derogatory item listed on my credit report. When I pulled my credit report I had not one but 2 accounts listed from them showing an open date of XX/XX/XXXX but a first reported date of XX/XX/XXXX I immediately disputed both items in which they both came back verified. I had disputed them again with the same outcome.
Further review of my credit reports is showing that the terms of these 2 accounts is listed as 1month terms. According to the following from the FDCPA : FDCPA 807 ( 2 ) ( a ) : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt I do NOT have any terms with this company on either one of these accounts.
This is one example of a violation that Portfolio is reporting on both of these accounts and with all 3 credit reporting agencys.
Another one is regarding Portfolio NOT reporting the date of first delinquency. Citing the FCRA 623 ( a ) ( 5 ) : Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Clearly we are way past the required 90 days as this account has been reported to my credit report since approximately XX/XX/XXXX. As of now, both of these accounts do not have the date of first delinquency on my credit reports.
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| 01/18/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}.
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.
Thank you for your time and attention on this important matter,
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| 09/03/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American, Servicemember |
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1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX
Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX.
Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX.
2. I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it.
3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life.
4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX.
5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything.
The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019.
6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM.
THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS.
7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address.
8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.
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| 08/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.
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| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Since XXXX XXXX , XXXX XXXX XXXX has been reporting XXXX collection debts to my credit. My understanding is that XXXX relates to an old XXXX account P.R.A. purchased, and the other relates to an account originated with XXXX XXXX XXXX . I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies XXXX , utilizing different account numbers. For example, the XXXX account was reported by Portfolio Recovery to XXXX under account number " XXXX '' while Portfolio Recovery simultaneously reported it to XXXX and XXXX XXXX with account numbers " XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from XXXX XXXX . The only difference is that one report was made utilizing " XXXX '' and the other reports with " XXXX . '' This causes me a big problem because when creditors run combined reports, where data from XXXX , XXXX and XXXX are merged into a composite report, it causes the debt to report XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them. I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately. As of XXXX XXXX , XXXX , Portfolio collections are still reporting single accounts with different account numbers from one bureau to another.
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| 12/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt.
2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts.
3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued.
4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I kept receiving calls and letters from a company called Portfolio Recovery Assistance LLC I wrote a letter requesting validation letter than letter was produced so on XXXX XXXX I proceeded to contact the agency spoke to a collector that kept playing games by changing her voice at one point she stated she was manager and just made her voice deep. I agreed to make a settlement for XX/XX/XXXX and XX/XX/XXXX with the agreement to get it taken out of my credit report and with them to produce a settlement letter along with agreement to remove this from my report. This was never accomplished, than I tried to make a payment to their online services would not allow me too. Than I contacted the collection agency on XX/XX/XXXX they emailed me telling to contact an agency I refused to contact an agency because all they do is play phone tag acting as a manager etc. I have repeatedly asked for the letter before making a settlement payment. Now they want the payment but refuse to send a settlement letter. They have had almost 4 weeks to produce the agreement letter and nothing has been accomplished. I was willing to pay XXXX in two payments for a XXXX credit card that was in collections. I explained I had got laid off due to COVID and was barely getting on my feet explained to them they kept call me during COVID when they was suppose to cease and decease during that time.
Account # XXXX Seller : XXXX XXXX XXXX XXXX, Current Creditor Portfolio Recovery Associates LLC, Balance : XXXX what is strange is when you call they read the mini Miranda for Collection but this on my email : " Please be advised that this is a communication from a debt collector, but this is NOT an attempt to collect a debt. Any communication with PRAs Customer Care Department is made for the limited purpose of addressing your issue and is NOT an attempt to collect a debt. '' " " I am here to help, contact me today! ''
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| 01/18/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Around XX/XX/2019 I was contacted by letter by Portfolio Recovery Associates, LLC which alleged I owed a debt to XXXX XXXX. This company also alleged the debt was previously held with XXXX with previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ).
This Debt was previously handled by XXXX XXXX who bought XXXX Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with XXXX XXXX for XXXX and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company ( Portfolio Recovery Associates ) to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ).
After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against Portfolio Recovery Associates, LLC for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.
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| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending XXXX statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
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| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX, this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
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| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Portfolio Recovery Associates # XXXX, XXXX XXXX : # XXXX, XXXX Portfolio Services : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect.
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods...
15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
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| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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REQUEST FOR VALIDATION OF DEBT Dear Portfolio Recovery, Your letters was received on XX/XX/2017 alleging that I owe a three debt to an original creditor named XXXX XXXX Im not aware of this accounts You are reporting XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX or Portfolio Recovery.
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above.
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute.
Please correct the records with XXXX, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above.
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
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| 12/15/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Impersonated an attorney or official
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Web |
Older American |
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I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.
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| 12/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I've been dealing with PORTFOLIO RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for over a year now going back and forth without any resolution in sight. I've contacted them by letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and over this past 2 weeks by several emails. I've asked them to do their research in finding out who and where the past payments on this account came from and they just will not do their jobs. This account does not belong to me and never have. I have requested the following : 1. A copy of any agreement with XXXX XXXX thaXXXX bears MY signature 2.PROVE that any payments made on this account came from any banking account bearing my name and address associated with XXXX XXXX. Someone made payments on this account in the past, AND IT WASN'T ME, but PORTFOLIO RECOVERY XXXX, XXXX WILL NOT DO THEIR JOBS. The following amounts were paid on this account. WHERE AND WHO DID THEY COME FROM? That's all I want them to do, SIMPLE! Once they find out that I NEVER made a payment to this account and it doesn't belong to me, then they can remove from my Credit Report.
XX/XX/XXXX in the amount of {$200.00} ; XX/XX/XXXX in the amount of {$160.00} XX/XX/XXXX in the amount of {$61.00} XX/XX/XXXX in the amount of {$100.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$140.00} XX/XX/XXXX in the amount of {$130.00} XX/XX/XXXX in the amount of {$210.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$200.00} All they keep doing is generating the same letter 2 to 3 times a day and the letter reads : " We requested that you send our company additional information to the account referenced above so that the Dispute Department could complete the investigation of the alleged dispute. How can I send them any more information to something that I know absolutely nothing about?
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| 06/02/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I was made aware that I became a victim of identity theft when someone unknown to date used my information and attempted to file a tax return. I followed all steps and even filed my affidavit with the IRS in XX/XX/XXXX In XX/XX/XXXX when pulling my credit report I discovered that Portfolio Recovery XXXX b ought an account and started reporting it to my credit report I have disputed this account over and over and not being knowledgeable of all the credit laws I did not know that this company had to provide me debt validation upon my request over and over I disputed this as a fraudulent account the only reason I did n't have a police report is because I had no information to provide as to who was n't using my information .I filed many disputes with the credit bureaus that the debt is not valid and not mine and each time Portfolio Recovery has sent back as " verified '' .Upon reviewing all FCRA laws I sent the company a letter of validation XX/XX/XXXX requesting proof of the debt because I know this is not my debt. I hold one XXXX XXXX account that I opened in XX/XX/XXXX that is the only XXXX Or account I have ever had. I sent a certifed letter to the address the company has on my file requesting validation and today XX/XX/XXXX they did not sign for it and it returned back to me as undelivered due to address they have again have reported to the credit bureaus that the debt is valid effective XX/XX/XXXX what documents are they using to validate this debt this debt does not meet FRCA guidelines because they never ever sent me any validation ever. Proof of the account address information nothing showing that I am liable for a debt or in any contract with Portfolio Recovery XXXX for a debt. I am a victim of identity theft and I want this account removed it is not mine. Please see the attached documents in regards to my claim/dispute
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| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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To whom it may concern, Back in late 2015 I along with 6 of my coworkers experienced layoffs due to the oil and gas market crashing. This turned my life upside down and I can't remember a time of feeling more stressed out. As you can imagine this put a huge strain on my finances and therefore I was forced to downsize by breaking lease with my land lord and had to trade my truck in for a more economical vehicle. Luckily my landlord was very understanding and knew that I was a good tenant and granted my wish with no refractions. I was extremely grateful as you could imagine. During this time I had great difficulties finding employment though. My background is oil and gas production and no one was hiring. I did what I thought was a good idea at the time and enrolled in a community college and took a very low paying job at a golf course. I was barely getting by and through it all was mounting up credit card debt. Low and behold I found myself hurt on the job with a back injury that still nags me from time to time till this day. I had no choice but to take two months off due to the injury, which was debilitating physically and financially. Inevitably the credit card debt piled up and I could no longer make payments towards it. XXXX XXXX then turned the account over to collections and it has been on my credit report ever since. I once filed a dispute about this and had it removed briefly and unbeknownst to me was randomly put back on my personal credit report by Portfolio Recovery Debt Collections. This is wrong, unethical and illegal. If this formal complaint doesn't resolve the issue I will be seeking legal action. I would like to refinance my truck and buy a home but this ding on my credit report is a huge XXXX eye that keeps me from getting a more favorable interest rate and lower monthly payment. Thank you for your understanding and for reviewing my complaint. Kind regards.
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| 07/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
Servicemember |
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I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day.
During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly.
I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered.
I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit.
I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain.
The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid.
I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.
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| 04/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address.
The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.
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| 11/30/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
Servicemember |
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Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid.
he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems.
This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment.
He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB.
We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies.
This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.
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| 05/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent letter of communication to Portfolio Recovery on behalf of a debt validation. I have never entered into any agreement with them. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I requested verification of the alleged debt, specifically, I requested the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance. I requested a copy of the contract and agreement between all parties showing wet signatures of all parties. They are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). I am pretty sure they are aware, credit reporting is considered debt collection under the law. Of my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with Portfolio Recovery XXXX. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX at XXXX I called portfolio recovery inquiring about why they had put in unauthorized inquiries on my XXXX credit report for the dates of XX/XX/XXXX and XX/XX/XXXX. I saw these under the account review inquiries subsection after I requested and downloaded a full report. After these unauthorized inquires there were several other unauthorized inquires from various companies that I do not recognize. I also noticed 5 phone numbers that are not associated with me or the only state Ive ever lived in, in any way. I was transferred a few times and then essentially told that they have no record of this and all they can do is file an internal complaint, which does not include me in the process or the outcome of the investigation. I was told that if their investigation leads to information they will contact me, which assumes the company is willing to admit illegal activity and thats highly unlikely. Especially since they were just sued by the CFPB in May for similar illegal practices. I made it clear that thats not a very honest system, and that I was unhappy with their process. It was confirmed to me that portfolio recovery stopped reporting an alleged collection account on my credit report as a debt collector in XXXX, and they stated multiple times, unprompted, that they would not sue me for the amount that was supposedly due. This reassured me that they had absolutely no account associated with my credit report, therefore absolutely no reason to be anywhere near my credit report. I made it very clear that these are two completely separate issues, and that they never did have or would have my authorization to put in inquirie on my credit. I advised that I would be taking my own path of resolution since theirs was less than adequate. I feel extremely violated and I worry there are also many others who this also has been happening to and they have no idea about it.
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| 08/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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on XX/XX/2018 I sent a letter with the following verbiage to Portfolio recovery to VALIDATE THE DEBT : below is the exact letter verbiage sent to XXXX XXXX XXXX XXXX Dept XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --.
This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt.
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
-- -- -- -- -- -- -- -- -- -- -- - None of the above was provided the only thing that was sent a letter stating the debt was purchased by them from XXXX XXXX and several bills which is not validation
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| 04/11/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Portfolio Receovery to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
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| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I submitted a dispute last month as well as this month in regards to my account with Portfolio recovery I do not agree with the charges and it said it came back verified. This was a secured credit card meaning I self funded it. I increased my limit and the amount due should never been more than the credit limit. I advised XXXX XXXX when the charges originally posted that it was invalid they said they would dispute with the company and next thing I know it was sent to collections for the full balance.
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
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| 08/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Account name : PORTFOLIO RC Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$150.00} Balance updated XX/XX/XXXX Original balance {$150.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display.
Comments Dispute resolved ; customer disagrees Your statement - Contact info Name PORTFOLIO RECOVERY Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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| 02/16/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On or about XX/XX/2017, Portfolio Recover Associates ( PRA ) reported me to the credit bureaus for a debt it claims I owe.
PRA and I have corresponded several times since its initial contact. Within 30 days of its initial contact, I requested PRA to verify the debt. PRA produced conclusory information. I subsequently notified PRA that it had not satisfied its duty to verify the debt. PRA subsequently sent additional documentation which still fell short of the standard required to ( 1 ) establish that a debtor-creditor relationship exists ( by producing of the contract or judgment against me ) ; ( 2 ) establish the amount of the debt ( by producing an accounting of the charges ; and ( 3 ) establish that PRA was authorized to collect the debt ( by producing an assignment or agency agreement ).
To date, PRA has only provided a partial accounting for what it purports to be a debt. Its allegation cite a third party as the creditor, and PRA has neither provided evidence that the purported original creditor has a claim against me via contract or court order, nor provided evidence that it is authorized to collect the claim alleged against me.
In short, PRA has not verified that a debt exists, the amount of that debt, nor that PRA is legally permitted to collect it. I have sent multiple letters to PRA detailing what I ( or any court of law ) would require to prove a debt exists. Nevertheless, PRA has refused to acknowledge the additional detail and continued to purport to verify the debt by producing incomplete information and self-serving conclusory statements of its authority to collect the debt ( without providing any evidentiary support ).
PRA has not satisfied its duty to verify the debt, yet it has proceeded to report my account to the credit reporting bureaus. I have filed disputes with the bureaus, but the collection accounts remain on my credit reports.
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| 03/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.
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| 12/07/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}.
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics.
I dispute the validity of the purported debt I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
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| 07/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THIS NOTICE SERVES AS A CEASE & DESIST : I refuse to pay this alleged debt and I am demanding that you cease all forms of communication with me through any medium unless it pertains to my remedy in writing via mail.
On Wednesday XX/XX/2023 I received a letter in the mail from a company identifying themselves as : PORTFOLIO RECOVERY ASSOCIATES , LLC. The aforementioned also identified themselves as a debt collector attempting to collect from me. I do not now, nor have I ever entered into a contract with PORTFOLIO RECOVERY ASSOCIATES , LLC. As a consumer, this is a direct violation of my rights. How did you obtain my information? Who granted you the right to contact me in any matter assuming that I owe any alleged debts? Where is your proof of authority? I've never given my consent to furnish, exchange or assume anything on my behalf. This letter is an attempt to defraud, mislead, misrepresent and willfully and intentionally violate my consumer rights as expressed by the FDCPA. I've never consented or agreed to enter into any implied or expressed contracts with PORTFOLIO RECOVERY ASSOCIATES , LLC. I demand immediate removal of my information from your database and permanent deletion of whatever information you have pertaining to me as it was obtained unlawfully. No consent equals identity theft. I will not hesitate to file suit against PORTFOLIO RECOVERY ASSOCIATES , LLC and recover damages for : identity theft, fraud, personal injury. Furthermore, this company also accessed my consumer report on several occasions without my permission or consent. You will also be held civilly liable for knowing noncompliance as it states in 15 USC subsection 1681n : " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer for actual damages sustained ... ''
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| 12/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Many years ago ( 10+ ) I got divorced and my credit was shot due to factors including ex wife quitting her job ( before the divorce ) and us not being able to pay credit cards and other debt due to young age and all that.
My credit was destroyed and it took me years to rebuild it and got to where I can buy a house etc. I had only one negative left on my report which was a collection for a previous credit card or something - from Portfolio Recovery Solutions.
I decided to try to do the right thing and called them to work out a deal. They put me in touch with their " legal '' department directly with a rep. I talked to him and they agreed to take 50 % and the debt would be marked as paid and NO LONGER REPORTED to the credit bureaus. I paid them approx $ XXXX ( half of the debt owed ) and then some time later I notice on my credit bureau a new charge with UPDATED DATE with the new balance.
I've disputed this with all three bureaus 2 or 3 items each including all the emails from the collection agency. They continued to call me, send me letters, harass me about this debt and when I explain to them what happened they just say okay we'll research it then NOTHING HAPPENS. I know that credit bureaus and collection agencies will not DELETE an item from a report when it is settled, but it should have been marked as SETTLED and the balance should NOT HAVE BEEN REPORTED and therefore by now that negative would no longer be showing on my credit!!!
This debt is from 10+ years ago but because I paid them they updated the date to XX/XX/2016 which I am now struggling to get this removed. I am trying to refinance my house and because of this one thing it is causing issues.
This is NOT RIGHT!
Attached are the emails with the " lawyer '' you can see what they agreed upon. Once I Paid they ghosted me, they would not respond. I sent multiple emails with no response.
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| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
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| 12/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Hello, I would like to draw attention towards Portfolio Recovery and how they have hounded my cell phone voicemail with unnecessary and bogus voicemails with machine robots regarding a XXXX XXXX debt i supposedly owe. I have notififed XXXX XXXX and XXXX XXXX that there was fraudulent activity on my account and that the charged were not made by me. Portfolio Recovery refuses to acknowledge anything I am saying and they continue to tarnish my credit report and attack me and I feel abused and isolated by them. They send me scary letters and keep updating my credit report with false information. I have already frozen all XXXX of my credit reports due to check cashing fraud down against me in XXXX of 2015. My identity was duplicated for some time under a false address and I was unaware as charges lingered. I have been forced to seek bankruptcy counseling and I have no connection to this XXXX XXXX debt that Portfolio Keeps stalking me about. XXXX XXXX is aware of the fraud against me and have closed out my account and I believe that this company is ignoring the FDCPA laws and the FCRA laws and are not verified or dfdeting this fraudulent account against me in order to scare me or hurt me. I would like the CFPB to know that they utilize robotic dialing at XXXX hours and have denied it when I have sent them certified letters asking them to STOP! I do not owe this debt and they have NO right to display ANYTHING under my social security number or on any of my XXXX credit reports! Please have them STOP an have the LEAVE ME ALONE! I have tried fighting this fraudulent account with the XXXX credit bureaus but they all have supposedly verified it and yet U HAVE NO PROOF of an investigation, the results i requested or any ducmonotaion which I forwarded regarding my identity theft was submitted to XXXX XXXX or Portfolio. I am sick and tired of this company abusing me!
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| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company, PORTFOLIO RECOVERY, purchased a debt from another company and I had no involvement with the transaction according to 15 USC XXXX I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XXXX XXXX XXXX, congress enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
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| 12/31/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : This complaint concerns my XXXX XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request.
I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX XXXX XXXX from XXXX XXXX ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a requesting a copy of the sales contract, as proof of the alleged sale.
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes XXXX etc. also requires written notice.
I sent a letter to Portfolio Recovery Associates dated XX/XX/XXXX again requesting a copy of the alleged sales contract.
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my SSA benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.
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| 11/27/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint is regarding alleged reference number XXXX. Since XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and Californias Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the none sense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a XXXX debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws.
They have violated FDCPA, Californias FDBPA and FCRA.
PRA have reported a negative trade line to my credit files without sending a notice to me that I could exercise my legal rights as a consumer.
PRA have failed to provide documents based upon FDBPA of California.
PRA have reported that this account was opened on XX/XX/XXXX, this is fraudulent claim. PRA is Reaging this alleged claim in clear violation of the law.
PRA have received my demands via USPS ( Address Service Requested ) and fax numerous times.
PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member XXXX XXXX XXXX.
PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
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| 11/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
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| 07/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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According to FCRA 15 USC 1692a, Communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium.
Also FCRA FCRA 15 USC 1692c states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, also in this section in regards to ceasing communications, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
PRA has admitted to receiving a cease and desist order from me in a previous complaint XXXX as it pertains to this alleged debt. They are directly responsible for the reporting of this debt to the consumer reporting agencies and therefore are responsible for the information being removed from those same agencies.
FCRA rules clearly support the fact that reporting this information to a credit reporting agency is communication of the debt, furthermore it is communication to a third party. I have not, under any circumstance, given PRA permission to report this alleged debt.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Alleged debt purchaser Portfolio Recovery Associates , LLC still has not responded to my repeated requests for certified copies of the documents that prove PRA received an actual, legally enforceable and valid assignment of rights to establish ownership of my account from original creditor XXXXXXXX XXXX XXXXXXXX XXXX for account ending in XXXX, that meets the requirements under Ohio law. Specifically, I requested multiple times a certified copy of the Bill of Sale, Assignment of Rights for account ending XXXX and documents reflecting that PRA paid actual consideration for my account to the original creditor to consummate the sale. As I have never heard of PRA and have never had any dealings with them, I maintain I do not owe them anything. Until I receive certified copies of the documents referenced above, under Ohio law I believe the original creditor XXXXXXXX XXXX remains the legal owner of my account. To date, PRA has only sent me unauthenticated copies of the original creditor 's pre-assignment monthly account statements, transaction and payment logs. These documents prove absolutely nothing in regards to PRA 's alleged status as a debt purchaser of my account, an alleged assignment of rights or PRA 's alleged real party in interest status for my account and the alleged debt. If PRA does not produce certified copies of the Bill of Sale, Assignment of Rights for my account and records confirming PRA 's payment of actual consideration that facilitated an alleged sale of my account within 30 days, I plan to file a lawsuit against PRA in Ohio small claims court for violation of the Ohio Consumer Sales Practices Act, which applies to alleged debt purchasers, among other consumer protection statutes. If such a lawsuit becomes necessary, I will request actual and nominal damages, as well as treble damages which the Ohio statute expressly authorizes.
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| 10/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I am writing to express my deep concern and frustration regarding the recent actions taken by Portfolio recovery in connection with an alleged debt. It has come to my attention that Portfolio Recovery has engaged in what appears to be a serious violation of the statute of limitations and, in the process, has subjected me to undue stress and inconvenience. As per the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are bound by specific rules and regulations when it comes to the collection of debts, including the statute of limitations. Under the law, a debt becomes time-barred after a certain period, beyond which legal actions can not be taken to collect the debt. This debt was charged off in XXXX. In my case, I understand that the statute of limitations for the alleged debt in question had already expired, which is typically seven years in most states. During this time, the debt was in collections, and it adversely affected my credit score. However, to my surprise, Portfolio Recovery removed the collections account from my credit report but then took the drastic step of filing a lawsuit to collect the debt, well after the statute of limitations had expired. Furthermore, I want to bring to your attention that I never received any formal notice regarding this legal action. I was completely blindsided by the lawsuit, which is not only distressing but also a clear violation of my rights as a consumer. I believe that I should have been informed of the lawsuit and given an opportunity to respond appropriately within the legal time frame. Additionally, I am deeply troubled by the false and misleading information provided by the attorney office Portfolio Recovery hired, which erroneously claims that they have a 15-year window to collect on this debt. This misinformation has caused significant confusion and anxiety on my part.
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have constantly dispute with this company. This company has failed to respond to my affidavit that I sent them, and they are boldly violating my federally protected consumer rights. They have been consistently reporting inaccurate account information on my consumer report for both XXXX and XXXX. When I hold them accountable, they refuse to comply. This company is willfully negligent. They consistently blame the consumer reporting agencies and state that XXXX and XXXX are responsible for the inaccurate credit reporting when the debt collector is in fact the new data furnisher who bought the alleged debt and is putting it on my credit profile. This company is more concerned with money so much that they are stepping on my federally protected rights while attempting to collect it. I have filed multiple complaints against this company to no avail. This company is also reporting a closed account as open on my report. I have disputed against this company multiple times with viable proof. I'm requesting the deletion of this account for violation of the FCRA under 15 USC 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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PRA ( Portfolio Recovery Associates ) sent me multiple collection letters to which I responded ( via certified mail ) and demanded verification of the alleged debt and they refused to respond to several letters all the while continuing their " collection '' efforts for a debt I don't owe. Then, they filed suit against me and they refuse to even respond to court motions. Approximately 2 months after they filed suit against me, PRA finally got back to me by " responding '' to my previous requests for debt validation with a couple of copies of credit card statements that were totally not correct and were nothing different than the haphazard stuff they filed in court. Additionally, they called me while I was in the bath at XXXX XXXX When I told the guy who called that I didnt think he could call before XXXX, he totally lost it and started yelling at me and said why dont I " learn how to tell time '' and I said I know exactly what time it is because my son was just picked up by the school bus and I was looking at my phone and it said XXXXXXXX XXXX He then asked where I was and I said I am in the bathroom taking a bath and he called me an XXXX and said " no, what city ''. I said XXXX. Then he lost it on me and said something to the effect that I am too stupid to know that it is XXXX in XXXX Ohio . I told him that I lived in XXXX Missouri, not Ohio and he hung up instantly, didnt apologize or anything. They started sending collection letters early XXXX and filed suit in XX/XX/XXXX ( case is still pending ), didn't serve me with the suit until XXXX and they didn't respond to all of my letters regarding their debt collection until AFTER they filed suit and about a year after I first started sending letters disputing the supposed debt and demanding verification. When I finally received what they called verification, it was vague and incorrect at best.
|
| 05/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I provided written notice to Portfolio Recovery Associates, LLC initially on XX/XX/XXXX, via certified letter disputing the validity of the debt owed. I further requested that Portfolio Recovery Associates, provide validation of competence evidence bearing my signature. The company signed for that notice on XX/XX/XXXX. Thereafter, I received a summarized statement from PRA alleging that I owed {$5900.00}, on XX/XX/XXXX.
I responded on XX/XX/XXXX again asking for evidence bearing my signature. On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates, again summarizing this alleged debt. The document provided was not from the Original debtor nor did PRA provide any tangible documentation bearing my signature.
XXXX XXXX dissolved EFFECTIVE XX/XX/XXXX. With this knowledge, I question the veracity of how PRA obtained validation, competent evidence that this debt is in fact legitimate, WITHOUT my signature.
I verified via XXXX Credit Bureau that Portfolio Recovery Associates, made a dispute statement under my name confirming that they completed an investigation of my dispute and further stated that I disputed this matter.
I am therefore escalating my complaint requesting assistance to have this debt removed from all three of the credit reporting agencies.
It is now my belief that Portfolio Recovery Associates, LLC is willfully acting in bad faith given their refusal to provide the requested information.
Please be advised, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I asked twice for a document bearing my signature to be provided, in addition to proof of how this information was verified without my signature.
I am therefore requesting that the debt reported by Portfolio Recovery Associates, be removed from my Credit Reports immediately.
|
| 09/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The company, Portfolio Recovery Associates, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. The debt Collection Company by reporting this inaccurate information to the credit bureaus. It effected my reputation when trying to get approved for the essential things of life a home and a car. Their actions has ruined my reputation and caused me to be looked as inadequate to other financial institutes.
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt.
In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success.
1. My XXXX credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts.
2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.
3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18.
4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt.
In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success.
1. My XXXX credit report is still listing Portfolio Recovery Associates as a Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts.
2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.
3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18.
4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello, I monitor my credit on a daily basis. I currently have 4 derogatory marks on my credit report, 3 of which are through a debt collection company, otherwise known as, Portfolio Recovery Services. Portfolio Recovery has continued to show that I currently owe " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' all 3 of these different debt collection amounts ( I'll include dates for each amount, each amount is it's OWN collection account as well ). First : {$1000.00} Origination Date : XXXX. Second : {$730.00} Origination Date : XXXX. Third : {$500.00} Origination Date : XXXX.
All three of these debts show that XXXX XXXX was the original lender.
I've disputed all three through XXXX XXXX on both my XXXX and XXXX reports but to no avail.
Now, the problem is, I've only ever been approved for 2 XXXX XXXX credit cards, both were XXXX XXXX XXXX cards and both had a limit of {$300.00} with the exception that one of them had XXXX cashback option and the other had a {$150.00} Cashback option. If I remember correctly, I was accepted for my first XXXX XXXX card in XXXX or XXXX and I honestly can not recall if I ever even made one single payment on it ; it is a possibility that I did not.
Strangely enough, in XXXX, I applied for yet another XXXX XXXX XXXX card and was approved for a {$300.00} limit with {$150.00} Cashback. XXXX was a year of extreme financial hardship for myself and my family, so I don't think I ever made a payment on it either.
I am aware that credit cards have fees included and especially high fees on Cashback, but there is absolutely no way humanly possible that two {$300.00} limit credit cards, that I defaulted on, could ever equal the total of the three accounts that Portfolio Recovery Services is showing that I owe them.
- Thank you for your service and for your time. I appreciate your assistance in this frustrating matter.
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| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received the letter sent by PORTFOLIO RECOVERY ASSOCIATES , LLC saying they were attempting to collect on a debt from XXXX Bank. However, I asked asked both companies via written correspondence ( XXXX XX/XX/XXXX & XX/XX/XXXX ) to provide proof ( validation and verification ) that I owe this dept. All I received was a screen shot of a bill with my name on it. I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and received no resolution. Only received a screen shot of a bill with my name on it. XXXX Bank didn't respond at all. Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation.
I sent multiple letters to PORTFOLIO RECOVERY ASSOCIATES , LLC and XXXX Bank, receiving no resolution. Only received a screen shot of a bill with my name on it from PORTFOLIO RECOVERY ASSOCIATES , LLC. I Filed a complaint with the XXXX XXXX XXXX this is currently in process. Complaint in court and was dismissed due to small claims court in Massachusetts not having jurisdiction. However, PORTFOLIO RECOVERY ASSOCIATES , LLC did not show for the court date and was served with notice. Also disputed via XXXX, XXXX, and XXXX.
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| 11/03/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX 2017 To Whom It May Concern : This letter is to inform you that the validity of this debt is disputed.
Your firm has continuously contacted me over an alleged debt in the amount of {$1700.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
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| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi Since about XXXX or XXXX I have been trying to dispute this Alleged debt. originally from XXXX XXXX XXXX. The account was originally opened XXXX The amount of {$360.00} is the balance ( I have no idea how much the total credit card limit amount was ) Because I NEVER OPENED AN ACCT. in XX/XX/XXXX with XXXX XXXX XXXX!! I have send many letters to XXXX XXXX & nothing, & to the credit bureaus. & It would be off my credit because of the 7yr statue of limitation would be this year but XXXX XXXX sold the debt. to a collection agency in XX/XX/XXXX to PORTFOLIO RECOVERY ASS. XXXX XXXX XXXX XXXX. XXXX VA XXXX .... ( they do this purposely so it won't be removed in the 7 yrs! ) IT SHOULD BE ILLEGAL!!
I Have sent for years, several dispute letters to portfolio recovery & they can not proof this debt belongs to me, no original contract, no wet signature nothing but a summary of a bill ... any one could open this acct. online with my personal info & they are violating my rights because they have ignored all my letters to dispute & validate this debt. that does NOT belong to me, it is being reported on XXXX XXXX XXXX XXXX & it is affecting my credit scores. I am tired of them reporting fraud on my credit reports! I deserve it to be removed immediately! If this debt was mine I would have been paid it by now!! It is only {$360.00}!! It is against the law for a 3rd party company to report on my credit reports with out proper validation & they can't proof it, because they know it doesn't belong to me in the 1st place, they are just greedy debt collectors & don't care about doing the right thing!! I have several credit cards & all are reported paid & on time & in good standing, with way higher limits! THIS IS RIDICULOUS!! This is hurting my chances of getting a better interest rate for a new home I plan to buy soon. I appreciate your help. THANK YOU
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| 07/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates has violated the FCRA In response to your letter dated XX/XX/2023, regarding the XXXX XXXX XXXX credit card account ending in XXXX.
I have reviewed your letter and the documentation you have provided. I understand that they purchased this account from XXXX XXXX and that they believe I owe a balance of {$590.00}.
However, I do not believe that I owe this debt. I have never opened a XXXX XXXX XXXX credit card account, and I have never used a XXXX XXXX XXXX credit card. I have no record of any transactions or payments made on this account.
I believe that this debt has been erroneously assigned to me.
I have reviewed the documentation they have provided, and I do not believe that it proves that I owe this debt. They have not provided any records to show that XXXX XXXX XXXX credit card account was opened in my name, and they do not show that I ever used the account or that I ever agreed to pay for it. They also have not provided proof that I signed any agreements with them for this debt for them to purchase it or for me to pay them.
I have also reviewed the Fair Credit Reporting Act ( FCRA ), and I believe that they have not complied with the FCRA in their handling of this matter. The FCRA requires them to investigate all disputes regarding debts that they report to credit reporting agencies. They must also provide me with a copy of the debt validation letter that they send to the credit reporting agencies.
You have not provided me with a copy of the debt validation letter that they sent to the credit reporting agencies. They have also not investigated my dispute promptly, if at all.
I believe that their failure to comply with the FCRA has caused me harm. My credit score has been damaged, and I have been harassed by their collectors and denied access to housing and a better life for my family.
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| 02/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
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| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2020 at XXXX XXXX I sent written communication to Portfolio Recovery Associates dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Portfolio Recovery Associates dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Portfolio Recovery Associates sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Portfolio Recovery Associates communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Portfolio Recovery Associates to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Portfolio Recovery Associates provided none of the above. Portfolio Recovery Associates continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Portfolio Recovery Associates has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process with the same outcome from Portfolio Recovery Associates. The above illegalities were committed via USPS mail.
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| 03/31/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies.
On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ).
I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB.
Professionally, XXXX XXXX.
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| 10/27/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy for over a year and have disputed repeatedly due to the nature of account. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act which also has been violated.
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 1 ) Pofortlio Recovery Sincerely yours, XXXX XXXX
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| 10/13/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt.
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$830.00} yet PRA is reporting {$1400.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. I do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting XXXX debt validation. I never received response from PRA in response to my XXXX request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely XXXX request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$110.00} yet PRA is reporting {$470.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. i do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
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| 06/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2019, I received a letter from Portfolio Recovery Associates, stating that my account was sold to them. I sent them a letter asking for validation, and they replied with copies of my monthly billing statements.
On XX/XX/XXXX, I sent out another letter to them, via certified mail, asking them to specifically validate the debt.
As per this consent decree of XX/XX/2015 brought by the Consumer Financial Protection Bureau against Portfolio Recovery Associates I requested that they produce affidavits from the original creditor that show a complete and accurate accounting of the amount alleged owed.
I advised them that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. This is NOT a request for validation or proof of my mailing address, but a request for Validation made pursuant to the above named Title and Section. I am hereby requesting that their office provide me with competent evidence that I have any legal obligation to pay them. I asked Portfolio to immediately provide me with the following : *What the money you say I owe is for ; *Explain how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my State ; and *Provide me with your license numbers and Registered Agent.
Portfolio replied back saying that they are considering my dispute concluded since I did not provide any new information. However, it is up to them to validate this debt and provide me with the requested information. Otherwise all acts of collection must be ceased.
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| 11/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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During the height of the pandemic I received multiple calls every week for months about this debt. I did not know that the laws of my state at the time and that the statute of limitations were changing from 6 years to 3 years. I had reached out to the company in XXXX of XXXX I reached out to the company to inquire about the debt. Since then this company has updated my payment history on each reporting agency. They've added that I made a payment on XX/XX/XXXX. This is a violation of my rights. I believe the company is attempting to reage the account and extend the time it stays on my report. I have asked for verification of debt and have received copies and letters with an address that I have no record of. I moved to my current address in late XXXX. The address on the letter from the original creditor does not match my current address.
This company provided a letter from the original creditor dated in XXXX which I never received and it was not mailed to my address. Besides calling me constantly in an attempt to restart the statute of limitations on this debt, this company has provided inaccurate information on my report and is updating my report every month as an open account with a past due balance. A collection is already past due. I never made a payment and it is reporting as a payment was made or scheduled. I want Portfolio Recovery to be investigated for their practices, provide when was I contacted initially about the debt. I am required to have an accurate reporting and the update every month has caused new employment opportunities.
This account has passed the XXXX in my state of NY which is 3 years. According to the records on file the original creditor sold the debt to Portfolio Recovery sometime between late XXXX to early XXXX. This account is passed XXXX.
Please remove from my records for inaccurate reporting
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| 07/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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Received a notice from the Department of Revenue state of Mississippi in XX/XX/XXXX, in reference to that they were unable to receive a certificate of title from the Lien Holder ( XXXX XXXX ) and that in XX/XX/XXXX I will not be able to re-register the vehicle. I contacted both XXXX and Portfolio Recovery Associates ( PRA ) and was informed that they could not assist me as they did not have a physical copy of the title. I then contacted The State of Mississippi and informed of what i was told by XXXX and PRA, they told me that i would need a letter of no interest or a Lien Release from XXXX XXXXXXXX I again contacted XXXX XXXX and they mailed out a letter of no interest on their letter head but that was still not usable. I contacted PRA again on XXXX XXXX, XXXX and spoke with a XXXX XXXX who told me to email him the letter from Mississippi and that he would take care of getting the title sent. The title or lien release was not sent and I have not heard back from him. I finally tracked down where the title is being held, the Title is being held electronic by the State of Kanas where the vehicle was originally registered. I spoke with them and I was told that I would need a notarized letter from the lien holder or a TR42 Form signed and notarized by the lien holder. I have sent the TR42 to both XXXX and PRA and both companies refuse to sign and send the document to the State of Kanas. I have spoken with XXXX from XXXX and she has informed me that since XXXX sent a electronic lien release back in XXXX that XXXX no longer has any interest in the vehicle and can not sign off in good faith. PRA has still not contacted me and when you call the bankruptcy department you are on hold for over 30 minutes they pick up and automatically put you back on hold. I'm at lost and my supporting documents are over XXXX so i can not attach.
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| 12/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have received my response from Portfolio Recovery, regarding my complaint over their non-response to my demanding their proof as to their adherence to the law with regards to the FCRA. They still have not demonstrated compliance with section 1681s-2 of the Fair Credit Reporting Act, they have not shown where, per my request in a letter to them, where they notified me, the consumer that they supplied the legally required Notice regarding their furnishing of adverse information to the credit reports, thereby doing damage to that consumers credit report. They ignored my initial letter requesting their proof of compliance with this law, as I only learned they were reporting on my credit when I checked my credit report, not from being notified of that by them, and I filed a complaint against them with the CFPB due to their non-response.
Just yesterday I received letters from Portfolio saying they needed information from me in order to proceed forward with their investigation. They deflected the basis of my dispute issue and didnt even reference it as the enclosed document shows. Their response had absolutely nothing to do with the basis of my prior complaint. They are reporting information on my credit, it is therefore THEIR burden to prove that they are doing so in a legal and valid manner. They have not done this and their deflection demonstrates an inability to properly document their permissible purpose in accessing and reporting on my credit. Either they can answer this seemingly simple request for information to show that they followed the law or they cant. And if they cant then they didnt handle this alleged claim on me lawfully then they have no business accessing my credit or reporting items on my credit file, items that theyve never been able to prove in the first place. They should be removed from my credit reports.
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| 06/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Called before 8am or after 9pm
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Web |
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Portfolio Recovery Associates LLC, Has maliciously and and with disregard for correct legal policies for their practices.
They call my parents house 3-5 times a day, some before XXXX and some after XXXX XXXX. Even after they have requested them to stop calling.
PRA is trying to collect a debt that was charged off by XXXX XXXX, by writing it off as bad debt on their tax submissions, making this debt not illegible to be sold to a debt collector, making PRA illegally trying to collect an invalid debt.
The also are reporting two separate debt accounts across three different credit bureaus, which while they are the same 'acccont ' they are listed as two different accounts with different account numbers.
As is my right with the Fair Debt Collection Practices Act ( Including but not limited to Section 8070-8 ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ), I have repeatedly requested verification of evidence bearing my signature, or that the account is indeed being reported accuracy. I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which has still not been provided.
Additionally, as is my right, I asked for the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they 'verified ' without providing any proof, bearing my signature.
AS PER FTC OPINION LETTER FROM ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION.
Yet that is the only thing they have provided, even writing to say they see the dispute as closed, which they can not do, without providing the above mentioned information within 30 days. Which they did not. The only legal recourse is for them to remove this collections from my account.
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| 08/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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At XXXX XXXX CST, I received a call from ( XXXX ) XXXX that I answered.
An individual came on the line and asked if I was XXXX XXXX and I affirmed. They asked for my address and I stated I wouldnt further identify myself until they told me who they were with and why they were calling.
They stated it was a personal business matter and to again confirm my address. At this point I asked who they were with again and stated their name and they were with Portfolio Recoveries.
So, at that point I said so this is a debt collection call and they refused to state that it was until I identified myself which I ultimately did via the last 4 of the SSN.
Only at that point did they disclose they were a debt collector, stated my debt was too old to sue and that certain actions could restart the timeline of the ability to sue but if that was the case they would not sue, and then proceeded to ask about a XXXX XXXX debt they claimed I owe and asked if I was able to pay it.
I asked if they could provide proof of validity of the debt, expressed that I dispute the debt as being mine or valid, and they stated they could mail it to me which I refused.
I also stated that I would send notice in the mail regarding this collection and was told I could either sign onto a website via an account or have them mail something to me. I requested the account number he said he had which was XXXX. I again repeated that this debt wasnt valid and after stating I would contact the company about this the call was ended.
The refusal to identify themselves, the company or the purpose of the call, refusal to answer a direct question of their identity, then only give the company name without identifying it as a debt collection attempt as well as stating it was a personal business matter that required verification of my identity is a violation of the FDCPA.
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| 01/25/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I have an unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Portfolio Recovery Associates , LLC claims that I owe. I requested that Portfolio Recovery Associates , LLC provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of this supposed debt. I demanded that Portfolio Recovery Associates , LLC remove any and all Tradelines that are reporting on my credit report with XXXX. Their response? They reported it to all XXXX credit bureaus. I 've sent them numerous letters and I 've called them several times. They claim they sent me a dispute affidavit but I never received one. I am extremely frustrated and upset dealing with them as I have been dealing with them for over a year. They are damaging my reputation and preventing me from buying a home considering my credit score is damaged. I have provided a copy of the latest letter that I sent them which they did not comply with as well. The letter I sent them was notarized and I have XXXX other notarized copies if i need to pursue this in court.
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| 08/16/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates wrote me many years ago about a debt from XXXX XXXX. The first time I verified they sent a bill. So I made arrangements to pay because I didn't know my rights at the time and I wanted it to be removed. I reneged on paying them because i thought do I really owe this debt? After years its still lingering on my report and now i did a little more research on how I have the right to validate the debt that they say I owe and the amount. I wrote them on XX/XX/2020 certified mail, requesting to validate the debt, its reporting on my report for {$1300.00}. Which the first letter I sent out XX/XX/2020 requested that. I notice that i received an email from XXXX that PRA flagged my account and on XXXX XXXX it showed that the account was removed from XXXX and XXXX. I called the bureaus XX/XX/2020 to confirm they said its still on my report. I called PRA XX/XX/2020 at XXXX XXXX I spoke Ms. XXXX XXXX she ask for my last four digits of my social to verify info, she said that they received my certified mail requesting validation and they sent out everything I requested. I recorded her, she told me that I owe XXXX, but on my report its reporting {$1300.00}. She was asking me, " how would you like to take care of this today ''? I told her I still didn't receive validation to make any arrangements. When i check the mail the next day I received a letter that said I can validate. They send me back correspondence dated XX/XX/2020 stating that they receive my correspondence and I have the right to write them and request substantiation.. Then I sent them another letter again on XX/XX/2020 to validate because at the time I did not receive what I asked for. A few days ago I received a letter from PRA with verification of a bill and their own summary. They didn't send me anything that I asked for. This is not validation.
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| 11/25/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau.
On XX/XX/1933 The Congress enacted House Joint Resolution 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of The Congress .... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of currency or coin, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information.
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| 03/07/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness.
This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX.
However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so.
I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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| 06/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have been contacted XXXX by Portfolio Recovery in within one month in XX/XX/XXXX concerning a debt they allege I owe to XXXX XXXX. Since I am a current XXXX XXXX Card hold I requested the address so that I may write Portfolio Recovery to request the verification of debt in writing.
The XXXX person who called me gave me an address. I asked her how I should reference the account so that I would receive the correct information. She told me to reference XXXX XXXX in the letter. I mailed the letter, certified return receipt and was not provided a response.
Another associate contacted me at XXXX on XX/XX/XXXX stating that she was attempting to collect a debt on behalf of XXXX XXXX. I explained to her that the previous associate was not very helpful and that I still had not received a verification of debt. She stated that a letter was sent to me in XX/XX/XXXX. I asked if it was sent to XXXX XXXX, NV, where I currently live. She stated yes. I explained I had not received the notice and I was questioning the validity of the debt. She argued that I did receive it. I asked repeatedly for her to resend the letter, and mail it requiring a signature so that there would be no misunderstanding about whether or not I received the letter.
The young lady raised her voice and attempted to steer the conversation back to how I planned to pay the debt off. I was not going to discuss an account that I was unsure I owed, and I also needed to verify the statute of limitations of the collection, but explained to her that I would not do so telephonically, but with a written letter from Portfolio Recovery. The associate never gave me opportunity, reference number, or address where I could address my concerns, but continued to raise her voice. I terminated the call because I did not feel that it was productive and we were talking in circles.
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| 02/22/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2022 I sent a cease and desist letter to Portfolio Recovery Associates tracking number XXXX XXXX XXXX XXXX XXXX, which is attached to this complaint ; and I also opened a complaint with the CFPB complaint # XXXX. In that complaint they stated they have no record of receiving any communication from when they originally acquired this alleged debt. I never received any communication from them via mail or email about an alleged debt. So when I realized it was on my credit report, I sent the cease and desist letter. Even if I had received the letter under the 15 USC 1692c ( c ) I never gave Portfolio Recovery Associates permission to contact me regarding this alleged debt.
As I stated in the previous complaint I am requesting that Portfolio Recovery cease communication with me on any and all mediums included but not limited to : ALL consumer reporting agencies, social media, mail, email etc.
This is the second attempt that I have made for them to remove this tradeline from my consumer report. Portfolio Recovery is violating my federally protected rights and this is not right and it is unlawful.
STOP COMMUNICATING WITH ME AND REMOVE THIS TRADELINE FROM MY CONSUMER REPORTS IMMEDIATELY.
I am holding Portfolio Recovery Associated civilly responsible for violating my federally protected right. Under 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
This tradeline appears on my XXXX and my XXXX consumer report, which makes Portfolio Recovery Associates responsible for 2 violations.
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| 12/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Hello, I am writing hoping I can get help getting this creditor off of my back. Portfolio Recovery Associates has purchased 2 of my debts. XXXX XXXX XXXX. These are items I defaulted on over 4 years ago when I was going through some hardships with both of my in-laws had XXXX XXXX. I did default on the debts at the time. I own up to it. Yet the issue is I live in Texas. There is the TEXAS House Bill 996 that took effect XXXX XX/XX/ 2019 and in Section 2 ( c ) it states - A debt buyer, or a debt collector may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt later than the earlier of : ( 1 ) the fourth anniversary of the date of the consumers last activity on the consumer debt. Another statue is TEXAS CIVIL PRACTICE AND REMEDIES CODE [ Sec. 16.004 ] FOUR-YEAR LIMITATIONS PERIOD which states : a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : 3.Debt The issue is I have contacted Portfolio Recovery Associates 3 times. First I was trying to obtain documents that showed when the last payment were made. They did not send it. Instead they sent paperwork showing the date they purchased the debts. I tried to obtain it from the original creditors but they said PRA owned it and I would have to get it from them. So, I obtain my old credit reports that show the last date I paid on the debt was over 4 years ago. I told PRA and they said it was not evidence proving they are in violation of the 4 year limitation under Texas law.
These 2 marks on my credit is holding me back and could put my current job in jeopardy. I need to get these remove to improve my credit and ensure I do not lose my job over my score. I have no problem sending my credit info to show and prove I am in the right.
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| 10/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded.
The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations.
I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking.
In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me.
I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me.
The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me.
I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records.
Thank you.
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| 01/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Sometime in XXXX, there were 2 tradelines that negatively appeared on my credit bureaus with XXXX, XXXX and XXXX. Both were for a creditor named XXXX XXXX with one alleged debt totaling {$5400.00} and the other one totaling {$1200.00}. This was after a Bankruptcy filing. I disputed the negative and inaccurate tradelines and the credit bureaus. They claimed to have verified the debts without provided the method used. So i reached out to Portfolio Recovery Associates LLC and requested full validation of the 2 debts in accordance with FDCPA laws. I never got any response. However the erroneous reporting to the 3 major bureaus continues to damage my credit and hinder me from establishing new credit and secure a vehicle loan and a place to live. I decided to dispute the tradelines again via the 3 credit bureaus. After sometime had passed they were once again verified ony by the credit bureaus and would remain on my credit reports. I then finally received a copy of only a front page of a bill only showing company and amount. There was not full validation of the debt or proof of debt by Portfolio Recovery Associates LLC to inlclude the detailed accounting of how the alleged balances were computed. By them not providing full proof of debt, they are in violation of FDCPA laws and therefore must remove any and all negative reporting to the 3 major credit bureaus otherwise they may be held in violation of FDCPA laws and become susceptible to being sued in a court of law for damaging my credit by reporting false information. As of today, XX/XX/XXXX, I have sent another correspondence to them demanding for removal of the negative reporting from all 3 credit bureaus immediately. They are illegally damaging my credit and ability to obtain housing. I have attached the correspondence that was mailed out to their address on file.
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| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX but the officers there would not take the report and referred us to XXXX due to that being where we live. Police report number ( XXXX XXXX Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved.
Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.
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| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am filing this complaint against Portfolio Recovery Associates and their continued violation of The Fair Credit Reporting Act. I am attaching a letter they claim was sent to me several years ago. First, I have never lived at the address referenced in their letter, hitch I am attaching to this complaint. Clearly Portfolio Recovery Associates did not read my complaint to the CFPB nor did they read the attachments submitted with the complaint. Clearly I have filed a dispute regarding this alleged debt as the attached letter submitted on XX/XX/2021 states. Additionally, I am attaching a notice of a lawsuit filed against XXXX for engaging in the very same misconduct that Portfolio Recovery Associates is engaging in. Fir the record, my previous complaint specifically requested certain documents to be produced or provided to me under Section 609, 611 FCRA. The request was clearly stated in my previous complaint of record with the CFPB. Portfolio Recovery Associates can only supply a back dated letter purportedly sent to an address I have never lived at. So clearly Portfolio Recovery Associates has not complied with Section 609, 611 FCRA, a fact which they admit to in their response. Please clearly read the attachments to this complaint and comply with Section 609, 611 FCRA in addition I make formal demand for Portfolio Recovery Associates to comply with Section 609, 611 and 623 of The Fair Credit Reporting Act. If there are any questions regarding this please refer to The Fair Credit Reporting Act and the requirements of Portfolio Recovery Associates and the fact that despite being noticed under Section 609, 611 FCRA they have failed to comply. Please see the attached notice of The Federal Trade Commission Lawsuit Against XXXX and the requirements of a furnisher of credit reports under The Fair Credit Reporting Act.
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| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery/XXXX XXXX Account # XXXX Collections Agency : Portfolio Recovery Associates , LLC. Original Creditor : XXXX XXXX XXXX XXXX XXXX 1. ) Portfolio Recovery has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later.
2. ) Portfolio Recovery made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of PRA 's purchase. '' I have personally confirmed with XXXX XXXX, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim.
In fact, XX/XX/XXXX has clear records which state my XX/XX/XXXX account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a XXXX XXXX XXXX XX/XX/XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to Portfolio Recovery false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices.
The XXXX XXXX Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect Portfolios records either.
|
| 05/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I had two collection accounts with Portfolio Recovery Associates ( PRA ) - one for {$1500.00} and another for {$230.00}. Not even sure one of them is valid - beyond the point. At this moment in time, the collections are paid - and the predatory calling is stopped.
I don't question the validity of the lower debt ( {$230.00} ), however, PRA, had broken several laws trying to collect money.
PRA has been known to be incorrect on consumers balances, interest rates, and payment due dates in attempting to collect debts. PRA purchases large portfolios of consumer debt with balances that sellers claimed were " approximate '' or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. PRA continues purchasing these debts and collection on it without first conducting any investigation to determine whether the debts were accurate and enforceable.
When trying to litigate the problems, their practices are not only sketchy but illegal. Personally, they pressured me into making full payments using misrepresentations. I can even remember at a point when the operator told me I would have these lines removed from my credit for paying in full.
Finally, PRA violated the Telephone Consumer Protection Act while attempting to collect these debts, by their predatory lending practices. I would be more than willing to dig up inbound calls from my phone provider providing you can identify all their garbage numbers calling every 30 minutes. Not only did they call my personal cellphone, they called my PARENTS EVERY 30 MINUTES. ( see XXXX XXXX et al. v. Portfolio Recovery Associates )
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| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$510.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$460.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$590.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXXBalance {$360.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$680.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX-Balance {$960.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX-Balance {$640.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXXBalance {$1100.00} PORTFOLIO-XXXXXXXX-Balance {$510.00} PORTFOLIO-XXXX-XXXX-Balance {$640.00} PORTFOLIO-XXXX-XXXX-Balance {$360.00} PORTFOLIO-XXXX-Balance {$590.00} PORTFOLIO-XXXXXXXX-Balance {$460.00} PORTFOLIO-XXXX-Balance {$680.00} PORTFOLIO-XXXX-Balance {$960.00} PORTFOLIOXXXX-Balance {$1100.00}
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| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Failed to provide debt validation as required by the Fair Credit Reporting Act, Section 609. Delete this unfair, negative, inaccurate, erroneous from my credit report.
Requested company provide the following in connection with the alleged debt : 1. To whom do you think I owe this debt and what amount do you claim I owe, and how that amount was calculated? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount allegedly owed and the date when the debt was transferred.
2. Please provide a valid basis for the alleged debt, such as the original contract between me and original creditor. Tell me the date the alleged debt became delinquent and the date the last payment was made. Prove the Statute of Limitations has not expired on this account.
3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.
4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.
5. Does your agency have a debt collection license in the state of Maryland? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why, and under what authority you are able to collect this alleged debt.
Company has failed to provide the requested information in violation of the Fair Credit Reporting Act, Section 609.
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| 08/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have been disputing this account for years now with Portfolio Recovery. Each and every time that I ask for validation they show me a bill/statement. I reported them to the XXXX XXXX XXXX few days later this account was removed from my XXXX file. No one contacted me or anything all I know it was remove from XXXX. Then recently, I received a notification that there was a new collection added and when I looked it was portfolio recovery. This company has been in violation for years anytime I asked for validation by law they are supposed to remove it from my credit file while investigations are going on. They have never done that. When they respond they respond with a bill. Then they claim that I had a original contract with XXXX XXXX. I am demanding to see the contract between me and the ORIGINAL CREDITOR OR PORTFOLIO RECOVERY BEARING MY SIGNATURE. A statement, a bill is not an original contract.. please show me my signature that you claim I signed obligating me to this debt. I am entitled as a federal protected consumer. I also have the right to privacy under law. I also never gave you written instructions to report on my credit report. In addition, please show me where I gave Portfolio Recovery WRITTEN INSTRUCTIONS. IF YOU CANT PROVIDE ANYTHING I ASK FOR YOU HAVE TO REMOVE THIS FROM MY CREDIT FILE AND CEASE COLLECTION AND LETTER STATING THAT I DONT OWE THIS COMPANY ANYTHING. I have been responding since your initial communication but you have not given me what I asked for. A bill does not prove my ownership/obligation to a debt. Also, PRA deleted this tradeline and then put it back. NEW YORK STATE HAS UPDATED LAW WITH DEBT COLLECTION PRACTICES. PROVIDE CONTRACT WITH MY ORIGINAL SIGNATURE. PLEASE PROVIDE THROUGH THE CFPB PORTAL PROOF OF THAT CONTRACT AND APPLICATION IF YOU CANT PROVIDE DELETE IMMEDIATELY.
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| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
Portfolio Recovery Associates have failed to provide the following after continuously sending me letters claiming they would no longer respond to my requests and the matter was closed in their opinion.
This matter is NOT closed!
They have failed to provide me with any original documentation and a co tract with my signature on it!
They failed to provide ANY of the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law 7. A copy of a contract with my signature on it with your company.
8. A copy of your license to collect in the state of Maine.
9. The name of the registered agent for your company.
10. A certified copy of a judgement made against me by your company in a court of law.
11. A copy of how you purchased this unverified debt and for what price.
PRC havS NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the account be deleted immediately.
|
| 07/12/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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To whom it may concern, It has come to my attention after carefully reviewing my credit report directly from all 3 national reporting bureau 's ( XXXX, XXXX, XXXX ) that a debt collection agency known as 'Portfolio Recovery Associates LLC ( PRA ) ' is allegedly reporting a collection account against me in the amount of {$570.00} in which i have no knowledge of, they have also committed and continue to commit the following violations according to The Consumer Financial Protection Bureau & The Fair Debt Collection Practices Act : 1- Failure to submit a verification of the alleged debt of the original account with a detailed explanation of how such amount was calculated, which is a clear and direct violation of CFPB Consent Order Paragraph 116.
2- Falsely reporting payment terms as 'Revolving - 1 Month ' on my XXXX report in which i have never had any contract with Portfolio Recovery Associates LLC to pay nor have i agreed in any way to such terms, which is a false representation and a violation of the FDCPA Section 807.
3- Falsely reporting 'Amount Past Due ' and reporting 'Failure to Pay ' payment history every month to my credit report, in which there was never an original signed contract between ( PRA ) and myself agreeing to pay them any money, which is a false representation and a violation of the FDCPA Section 807.
4- Falsely reporting the alleged account and misrepresenting themselves as 'Factoring Company ' on my XXXX report and Account type 'Other ' which is not listed under collection on my XXXX report, Which is a violation of CFPB Consent Order Paragraph 94.
I would like for the issues mentioned above to be addressed to stop the false and misleading representations, such abuses and unfair practices by Portfolio Recovery Associates are tremendously and negatively affecting my Credit report.
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| 12/06/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
Servicemember |
|
Portfolio Recovery Associates , LLC sent me a collection notice XX/XX/XXXX on an account they purchased from XXXX XXXX. I then requested verification of this account due to the fact that over the past couple of years I have had XXXX previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and several years after the divorce I am still finding accounts in which I owe. If one were to view my credit report, there are no accounts in jeopardy except those from several years ago. Portfolio Recovery Responded with a letter stating they would verify this account within 90 days which is not satisfactory. During the 90 days, I was sent a collection notice from them requesting payment without verification and the payments or balance was due on the account by XX/XX/XXXX, which is in violation. I then received a verification from them on XX/XX/2016 which only included a few copied statements from the account but none of the other information requested. I then in return submitted another request for verification via certified mail dtd XX/XX/XXXX ( certified mail rcpt number XXXX ). On XX/XX/2016 I received a letter which I have enclosed from Portfolio Recovery Associates Dtd XX/XX/2016 requesting payment no later than XX/XX/2016 also stating account has been transferred to litigation WITHOUT providing proper verification once again!! This is ridiculous and I have dealt with this company on another occasion and the same thing happened. I have asked for items to verify the account and they have not been provided to me.
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| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to request that you stop the wage garnishment that is currently being imposed on me. Theres nothing on my 3 credit reports ( XXXX, XXXX, and XXXX ), showing that I owe a Portfolio Recovery Associates LLC, no outstanding bills on my current accounts and closed paid accounts. My credit reports states that all my bills are paid in a timely manner and shows closed accounts paid. I cant afford to pay any company or person for any unknown unfamiliar bills/debts. Portfolio Recovery didnt provide explanation, description, or details of who, when, what, how, and why do I owe them or what vendor or business owner, whoever it is. I believe Portfolio Recovery LLC is violating one of my rights, harassing me and trying to bully me by taking my money without giving me specific descriptive details of what year, what it was that I supposedly had purchased or bought or what business owner do I owe?
XXXX XX/XX/XXXX I received a strange, stressful and unknown court mail that a Portfolio Recovery is garnishing my wages with no details no description no $ dollar amount, no name of who or what I supposedly bought or purchased or what bill did I not pay? There's NOTHING showing on my 3 credit bureau reports of having any outstanding purchases no outstanding bills owed to any company or business. I thought this was a scam, false, or fraudulent documents.
XXXX XX/XX/XXXX I received another strange unknown stressful mailed court document of Portfolio Recovery to garnish from my wages an unknown amount of {$1800.00} ( a bill I have no clue or reason why ). In XXXX ( XXXX years ago ), my purse was snatched by XXXX men with all me and my kids ' credit cards, social security cards, and bank cards- maybe this is some type of identity theft from somewhere. I reported that incident to all 3 credit bureaus many years ago.
|
| 08/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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XX/XX/2021 Reference ID # : XXXX Dear CFPB, Portfolio Recovery Associates stated that PRA ceased all communication efforts in there reply to my compliant on XX/XX/2021, with the CFPB. However, that is untrue. PRA is in violation of FDCPA 15 USC 1692a ( 2 ) reporting on a consumer report without consent is indirect contact. As of XX/XX/2021, PRA continues to use indirect communications by reporting to the following consumer reporting agencies : XXXX, and XXXX. Therefore, PRA has not honored my request see Exhibit 1. I demand that PRA delete these entries from the consumer reporting agency and squash any future communications.
PRA also stated in their response to my compliant on the CFPB on XX/XX/2021, that PRA is a " Debt Buyer '' ; PRA purchases delinquent consumer debt from creditors to whom such debt is owed and seeks to collect such debt from consumers who owe such debt. Therefore, XXXX XXXX has already been credited for this alleged debit ( see exhibit 2 ) PRA response. I did not give PRA or XXXX XXXX direct or indirect consent to share or sale information that contains private information such as name, address, social security account number without my direct consent which is called Identity Theft according to the Fair Credit Reporting Act. I did not give XXXX XXXX consent to have PRA contact me or serve me this is a violation of 15 USC 1692c ( a ). There is no contract between PRA and XXXX XXXX that gives PRA permission to collect an alleged debt from CONSUMER XXXX. PRA produced old statements from XXXX XXXX these statements are not a contract between Consumer XXXX and PRA but is proof of identity theft Exhibit 3 submitted to the CFPB on XX/XX/2021, from PRA. I am seeking the following remedy : *Deletion from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX ) Sincerely, Consumer XXXX
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| 06/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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To Whom It May Concern : I reviewed a copy of my credit report and found the following items to be an errors. Here as follows is the items in error : Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$560.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXX Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$660.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXXXX/XX/XXXXBasis of Dispute E.g., I never had the accounts in reference with this creditor and I do not owe this debt. Invalid information listed on credit Reports - original. I did not sign an agreement to pay for any services with XXXX XXXX nor did I sign an agreement with the collection agency -Portfolio Recovery Associates . I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
|
| 04/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Older American |
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Last year, I filed a complaint about XXXX XXXX who called from the late summer of XXXX into the spring of XXXX. Our phone message asks four questions of all callers : ( 1 ) a full name ( 2 ) a legitimate callback number ; ( 3 ) time of call and ( 4 ) a detailed message. The message further says if you give us this, we will call you back.
We know the debt collectors are looking for someone we do not know. The debt collectors have been looking for this mystery person since XXXX. When you stopped XXXX XXXX from calling, we had about a 8-10 months peace and now Portfolio Recovery Associates calls all the time.
Since Portfolio Recovery Associates does the same thing- will NEVER leave a message but call every week day, sometimes 2-3 times per day- we are growing tired of it. If they would follow the prompts and leave the information for which, we ask, we would speak to them, tell them we do not know for whom they seek, and then tell them NOT to call but they continue disrespecting us. We OWE NO DEBTS to anyone other than what we are currently paying.
XX/XX/XXXX, XXXX- call at XXXX XXXX hang up XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX. hang up. XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX XX/XX/XXXX, XXXX- call at XXXX XXXX hang up- XXXX We receive other calls from private callers as well as ones with similar area codes but no one ever leaves the required answers we request to speak with them. This has been ongoing for a long period of time ; I have been slow in keeping a diary as I thought when the CFPB got rid of the XXXX XXXX onslaught of calls, we would be done with these people. Apparently not.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing.
I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections.
I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.
|
| 12/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Portfolio Recovery Associates ( PRA ) has failed to provide proper debt validation for the XXXX XXXX account they are trying to collect debt from. PRA hasnt provided any contractual agreement that illustrates financial obligation from me to them. They have also failed to provide adequate information about the debt they are trying to collect from me. They are trying to collect a debt in the amount of XXXX ( shown on page one of the debt validation they sent to me ) but after reviewing the statements ( which are not adequate information for debt validation ), there is not any information showing how this amount came to be. There are two completely different amounts from what is shown on the account from the statements vs. the account that appears on my credit report ( reported by PRA ). The dollar amount of XXXX doesn't appear anywhere on the statements sent to me as debt validation nor is there any information how this figure was calculated. I have highlighted the amounts throughout the documentation along with the due dates to show the different debt amounts. PRA has also presented statements that are not sequential in dates and missing information. There are no statements presented from the months of XX/XX/XXXX-XX/XX/XXXX but months presented from XX/XX/XXXX-XX/XX/XXXX This lack of documentation is questionable in validity when trying to use as proper debt validation as there is missing information in those documents. As stated, the documentation that was sent to me as debt validation is inaccurate and this account needs to be deleted from my credit reports immediately. Trying to collect a different debt amount and not provide proper, adequate, and accurate debt validation is against the laws of FCRA and FDCPA. I have provided supporting documentation for review and validity of my statement above.
|
| 07/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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The original debt of {$16000.00} # XXXX with original creditor XXXX currently held by collection agency " Portfolio Recovery Associates '' WITH XXXX ACCOUNT NUMBERS WITH THEM # XXXX & # XXXX for the THIS EXACT SAME DEBT is time barred meaning the California statue of limitations has more than exceeded ( over XXXX-years ) the time to collect and or sue for. The problem is also that this same debt When I called them up to tell them this that 's the first thing they tell me at the beginning of the phone call meaning that this debt has far exceeded the time to sue and is time barred however when I tell them " Portfolio Recovery Associates '' this they tell me they ca n't remove this from credit report as money still owed to them. I then proceeded to call XXXX credit reporting agency at ( XXXX ) XXXX directly and they did indeed tell me that this debt has been long last the ( XXXX ) year California time statue and is time barred and they immediately removed this from the XXXX credit report. I want to make sure though that they " Portfolio Recovery Associates '' also acknowledge that they HAVE XXXX ACCOUNT NUMBERS ( mentioned above ) that pertain to the same and ONLY DEBT OF {$16000.00} and that they will indeed remove these XXXX NEGATIVE AMOUNTS from NOT ONLY FROM THE XXXX CREDIT REPORTING AGENCY BUT TO ALL OTHER CREDIT REPORTING AGENCIES AS WELL. You can call and confirm with XXXX Credit Reporting Agency as well that this DEBT " Portfolio Recovery Associates '' is indeed time barred and last the California time statue of ( XXXX ) years. XXXX says they have removed this debt as of XXXX/XXXX/15 but want to confirm that BOTH ACCOUNT NUMBERS ( listed above ) FOR THE SAME DEBT ( {$16000.00} ) WITH THIS COLLECTION AGENCY " Portfolio Recovery Associates '' will be REMOVED and NOT JUST THE XXXX ACCOUNT NUMBER.
|
| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
The company portfolio recovery has violated the following actions : Communication tactics- Back in XXXX I received a phone call from a female rep and requested that they do not contact me regarding this debt due to the offensiveness and repeated phone calls over and over again, sometimes after XXXX.
Threatening to sue : despite me requesting they do not contact me any further, this month, XXXX, I received a phone call from a male rep who i also informed I have requested to not contact me by phone. Contacting me by phone violates debt collection code and is damaging to my reputation and causes me emotional distress. He stated I should know they intend to sue me and he proceeded to call out several addresses ( none of which are mine ) stating they will be mailing their intent to sue to each of the addresses on file. To include an address I stayed at for 3 months for a temporary job assignment in XXXX California in XXXX. The stay was an XXXX but I had to supply the address for XXXX XXXX in California for my XXXX XXXX XXXX XXXX. This violates my right to privacy. They also threatened to send the letter to my parents home which is also a violation of my privacy.
I filed this same complaint against portfolio recovery for impersonating a Law official and showing up to someones home which was not mine with papers pretending to serve me. They have called my father and disclosed private information saying they will sue me in court. Only one account under portfolio recovery was discharged and they continue with their harassing tactics. And continue to violate these practices.
They are also attempting to collect a debt that is over 7 years old. This debt originated illegally in XX/XX/XXXX with XXXX who then sold the debt to XXXX XXXX, who then sold the debt to Portfolio Recovery. It is now XX/XX/XXXX.
|
| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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After Disputing my credit with XXXX by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because XXXX is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by Transunion and experian. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen.
Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.
|
| 08/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debts have repeatedly been disputed with XXXX Bank.
I have requested documents, validation of debt and verification of debt to be sent to me according to Section 609. Documents have not been provided. This has been an ongoing dispute. I am requesting the letter attached and sent out again be answered as it has been more than 60 days.
Attached Letter sent to XXXX Bank XX/XX/XXXX XXXX sent to XXXX company who did not validate debt and court case was dismissed in XXXX.
As quoted In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you.
Please provide the following : What the money you say I owe is for ; Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor ; The statute of limitations has not expired on this account ; Show me your license to collect in my state ; Guide me with your license number and Registered Agent. ( XXXX ) These debts are being resold to different collection agencies who are NOT validating debt.
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I just recently disputed two portfolio recovery associates, LLC accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what Portfolio Recovery Ass. did with my paperwork but XXXX contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. XXXX does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages.
I just sent copies of the letters I sent to Portfolio Recovery Associates along with my dispute to XXXX to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of Portfolio Recovery Associates sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. XXXX seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write 100 words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?
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| 07/02/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...
" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.
Please review, because I'm sure that they are violating a number of Federal Laws.
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| 12/08/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Notice for Request for Documentation of Legal or Equitable Chose in Action and Immediate Deletion Dear XXXX XXXX and all Representatives of Portfolio Recovery Associates, Sent via fax # XXXX Sent via Mail # portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Sent via Email @ XXXX I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX, last ssn XXXX XXXX XX/XX/1983 Your company has been illegally using my personal property In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Copies of any contracts, agreements, or instruments related to the chose in action.
2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics.
3. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements.
4. Pertinent correspondence, communications, or notices related to the chose in action.
5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 days. If the full documentation is not confirmed I demand full deletion of any accounts under the trust property under XXXX XXXX XXXX from the XXXX credit bureaus as well and send full proof of the completion. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me.
Thank you for your cooperation and timely attention to this matter.
Sincerely, By : XXXX ; XXXX XXXX XXXX XXXX XXXX
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| 07/05/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I first received a call from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2018 from the number XXXX XXXX. They did not leave a message. This number came up as spam on my phone. I searched the number, found it was linked with Portfolio Recover Associates. They have absolutely never contacted me through any other medium except spam calls. I have never received a letter or voicemail from this company.
The following is a list of numbers and dates I was called from this company : XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX ( this is when I started blocking the numbers calling me ). NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL
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| 01/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four *XXXX {$960.00} XXXX XXXX XXXX Acct XXXX # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history.
I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so.
The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent.
After speaking to XXXX XXXX and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep.
Best Regards, XXXX XXXX XXXX
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American |
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The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report.
You're currently using 0 % of your account 's limit.
Balance {$0.00} Credit limit $ 500 Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection.
Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( XXXX yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 06/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX of this year, I saw 3 different " marks '' on my credit report from PORTFOLIO RECOVERY SERVICES and I did not recognize the debt. 2 of the 3 not only were not recognized, they were fraudulently put in a status of " Dispute resolved ; customer disagrees. I sent them notarized letters via certified mail ( attached ) in late XXXX requesting VALIDATION of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } asking for PROOF on what the money is for, proof of signature ( and showing I agreed to pay - the contract itself ), proof they are liensed to collect, license numbers and registered agent, and other proofs. I recently went through a divorce in 2019 so I had reasons to believe it was not mine, but my ex-husbands. Not only did I not receive any contractual proof or signature, I received the WORST, more POOR communication back, saying that because they bought the debt as a 3rd party creditor that it is " VALID '', which is not only not what i asked for, but proof they are giving me the runaround. At this point we are planning a lawsuit - I am asking the credit bureaus, due to the lack of proof to remove this immediately from my credit report completely and to ensure it never shows up again. This debt is not only not mine, but no validation can occur on a debt that is not mine. This company is violating law and should be looked into for unfair and fraudulent business practices.
The accounts are as follows : NAME : XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : ( CREDIT REPORT ATTACHED ) ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX POOR RESPONSE BACK ( SHOWING NO CONTRACTUAL PROOF ) ATTACHED TO COMPLAINT. cerified mail copies that were sent to them are also attached! Credit report attached.
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| 10/27/2015 |
Yes |
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- Incorrect information on credit report
- Account terms
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Web |
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Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error.
I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response.
Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.
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| 11/21/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. XXXX auto used subscription I did not authorize after canceling subscription. XXXX listed itself as different names and I had no idea who the debt Iwas actually acused of owing. XXXX sold my debt to at least XXXX company I know of, Portfolio Recovery LLC, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. Portfolio Recovery LLC claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But XXXX claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in 2015. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created one.
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| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was mailed a letter dated XX/XX/XXXX from XXXX XXXX XXXXXX/XX/XXXX. In this letter its states that i owe a debt to Portfolio Recover Associates, llc. in the amount of {$1200.00}.
on or about XX/XX/XXXX i called into Portfolio Recovery Associates, LLC. to inquire about the account and why they reached out to me. As per the rep on the phone she expressed that this company is a debt collection company attempting to collect a debt.
on XXXX i mailed a letter of debt validation to XXXX XXXX XXXX XX/XX/XXXX. and Portfolio Recovery Associates LLC., Within the letter i requested detailed info about the alleged debt. such as a contract with my wet signature, itemized accounting of the account, etc.
I received a letter from Portfolio informing me that they PURCHASED the debt from said creditor, also listing my name and alleged last 4 of ss # as additional information listed in the electronic file for this account and if i would like more details to call and request it, however i already requested this detail information in my 1st request of validation letter dated XX/XX/XXXX.
I then received a letter dated XX/XX/XXXX and within it was a statement ( 1 pg ), along with a 2nd letter dated XX/XX/XXXX on XX/XX/XXXX.This letter which stated " that they already responded to a previous dispute. Meanwhile this was only my first attempt to dispute this account in question.
On XXXX XXXX I mailed to them a 2nd validation letter requesting the same info and informing them of where i feel they failed to validate stated debt and what my rights are to obtain this requested info so that i can know if this debt is accurate or not.
On XX/XX/XXXX I received in the mail the very first letter i received again not providing any of the requested info within either of my letters mailed to Portfolio.
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft, my information is being used fraudulently since the XXXX Hack in XXXX. This account with this company showed up XX/XX/XXXX on my credit report however the credit reporting agencies are reporting that this collections account was opened on XX/XX/XXXX. I have sent the company multiple letters asking for an verification of debt bearing my signature however I have not received a response. I do not have an account with XXXX XXXX nor have I had one in the past. I have attempted to contact the company and additionally I have been working with law enforcement to get this straightened out and corrected. I was given a police report number XXXX Please assist with getting this rectified this is not my debt I am requesting that Portfolio Recovery Associates immediately remove this collections account from all credit reporting agencies ( XXXX, XXXX, XXXX ) I want them to immediately cease and desist all written and telecommunications attempts to collect this debt. Portfolio Recovery Associates states that I owe them this debt of XXXX. I have repeatedly asked them to provide validation/verification of this debt BEARING MY SIGNATURE. As required by the FDCPA Section 807 ( 8 ). I have never done any business with them, signed a contract nor do I owe them money. XXXX, XXXX and XXXX have stated that account information disputed by customer, meets FCRA requirements. They have not marked this account as disputed which is also a violation of the FDCPA with a sentence of customer has disputed validity of this item. Which has been over 30 days by law they have to add the dispute notice within 30 days. The credit reporting agencies included but not limited to XXXX, XXXX, XXXX are in violation of the law and must remove Portfolio Recovery Associates from my credit file.
|
| 10/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed.
I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account?
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full.
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem.
Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.
|
| 04/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Why would I submit a fraud or identity theft if they have not proved the information that it was my information that was used. How many people were born in 1976 and how many people named XXXX XXXX. I have told them to give me information that would prove to me that it was in fact that my identity was used. If they could do that then I can rightfully fill out an affidavit stating I did not authorize this. However, if I do the affidavit right now then I could be clearing someone else debt that actually may owe them by the name of XXXX XXXX. Please ask them to verify with more verifiable identification such as my social security number. On the affidavit they supplied to me this week, it is asking me for my social security number. I will not give them that information. If this is my debt they should already have it. Why are they refusing to supply it to me. I will not and should not be bullied into making a fraud report on someone if I do not if it is fraud on me without the proper verification. Look at that affidavit you are asking me for all my important information that you have EXPLAINED to me that you do not have. So why are you pushing this debt on me if you can not verify it is me. A birth year or birthdate and a name does not say it is me and I can not put fraud on this account without knowing if it was actually my information. Please remove this off of my account if you can not verify SOCIAL SECURITY NUMBER OR IDENTIFICATION. NOW IF YOU SUPPLY ME WITH THAT INFORMATION THEN I CAN NO LONGER ARGUE THAT ITS NOT FRAUD. IF YOU CAN VERIFY THAT INFORMATION THEN I WILL FILL OUT YOUR DISPUTE VERFICATIUONS TO THE FULLEST AND FOLLOW THE STEPS TO CORRECT THIS. HOWEVER, ONLY IF YOU CAN PROVE MY INFORMATION. SOMEONE OUT THERE OWES YOU AND YOU ARE WASTING TIME PURSUING THE WRONG PERSON,
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| 03/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American |
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We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''.
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.
|
| 09/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPF associates, In XXXX, I agreed to Credit Protector insurance for one of my XXXX credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX and XXXX disorder that I was unable to manage. In XXXX, I had to stop working and applied for XXXX XXXX XXXX. I continued to pay all of my debts as usual. My wife reminded me about the XXXX acct. with the Credit Protector and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from Credit Protector that the job loss benefit was accepted and implemented. A few months after, I notified Credit Protector that I received a fully favorable XXXX XXXX XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their Credit Protector XXXX XXXX XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from Credit Protector stating that they accepted my XXXX XXXX XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.
|
| 12/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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When I took out the XXXX credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting suicide. Although, I made the minimum monthly payments and have been told not to work as I suffer from several mental conditions that have made me permanently disabled and have a doctors statement confirming I have been receiving treatment since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation.
Subsequently, XXXX has referred the matter to Portfolio Recorvery Associates, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill.
Portfolio Recovery Associates as a business associate of XXXX needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions.
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor.
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should Portfolio Recovery Associates choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal.
Further, it would be in Portfolio Recovery Associates best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a different complaint about Portfolio Recovery because the previous one was closed .... Portfolio Recovery Associates is NOT LICENSED in the state of Florida. I have 2 collection accounts on my report from them that they will not remove. Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. Again, this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files. I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature.
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| 05/24/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received notice of a lawsuit from XXXX XXXX XXXX on XXXX XXXX , 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted Portfolio Recovery and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.
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| 10/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by PORTFOLIO RECOVERY, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned PORTFOLIO RECOVERY accounts. Immediately delete these misleading entries from my credit report. As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
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| 02/23/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Hi. I already submitted my complaint and in response the company appealed to false statement and lied about the whole issue. I have tried to reply to your office through the way was provided in your email, however up until this date I have received no response. This is continuation of my complaint ID # XXXX and wanted to make sure that you have all the facts in order to achieve proper results. People complaint to your office in order to bring issues that are effecting everybody and closing a complaint just because the respondent sent an answer is not appropriate at all. the following is my email to your office after the entity responded inaccurately to my complaint : Dear Madam or Sir : Thank you very much for your assistance in this matter. After reviewing the response of XXXX XXXX, I must say that this company has lied about every single thing that they claimed in their response. First of all the following are article numbers of certified mail that I sent to the company and clearly indicated what needs to be done : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. As you can see I have documented my communications with them. I am flabbergasted to see that they lie to even Federal Government. Just imagine what are the consumers going through. As I mentioned in California they must comply with Fair Debt Buying Practices Act and in this case they completely failed. You can ask them why they are lying about their claim if it is legitimate and based upon the law. This company has dark record and they have been sued many times. If you need further info please let me know that I can provide them to you ASAP. This company claims that they only received disputes from Credit Bureaus, well, there you go, I have provided proof that it is a total Lie.
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| 10/30/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed.
I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case.
On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid.
On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.
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| 04/03/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.
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| 03/05/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account.
Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching only a letter written by the company they purchased the debt from ( XXXX XXXX ), stating that they sold the referenced account to Portfolio Recovery Associates, LLC on XX/XX/XXXX.
I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same letter referenced earlier.
It seems that Portfolio Recovery Associates, LLC is attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense.
It also seems they are trying to take advantage of consumers XXXX of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report.
I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request deletion of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
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| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.
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| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " PORTFOLIO RECOVERY open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX* Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately.
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
PORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately.
XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
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| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY PORTFOLIO RECOVERY LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1629 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF COMSUMER FINANCIAL PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THERE IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFORE SUBJECT TO PROPER REGUALTIONS AND RESTRICTIONS ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH POPURT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF GOLD CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING " PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND ... EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) THE TERM " INVESTIGATIVE CONSUMER REPORT '' MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMER 'S CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWSWITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM I AM ACQUAINTED OR MAY HAVE KNOWLEDGE CONCERNING SUCH ITEMS OF INFORMATION
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| 07/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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For several years now I have been trying to have 2 accounts removed from my credit reports, XXXX, XXXX, XXXX from this 3rd party debt collector.
After several letters, request to show proof of original application, I am still getting harassed with letters and my Credit report has been affected where I can no longer get any kind of credit.
1.Company is : Portfolio Recovery Associates , LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Merchant : XXXX- Original Creditor : XXXX XXXX XXXX account XXXX XXXX in the amount of {$1200.00} 2. Company is : Portfolio Recovery Associates, LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Original Creditor : XXXX - Seller : XXXX XXXX XXXX Account # XXXX Please note when requesting verification on debt with my signature, they send me a photocopy of a bill with an old address of an apartment complex that I lived in over 5 years ago. Unfortunately, our mail box was a shared box and I had a number of accounts trying to be opened under my name.
I am XXXX and on a limited income. I have no more time for this company and would like to have this problem removed immediately. I am tired of getting the run around from this company and all the other names they use to try and get money from me.
It has cost me money to mail letters certified to them, pay a credit repair company with money I DO NOT have only to receive letters from one of their other subsidiary companies.
I have sent another letter to them today via email with specific request to show proof that I opened these accounts in question.
I would like this taken care of immediately so that I may Retire in peace and get my credit report cleared.
Thank you for your attention to this matter Looking forward to hearing back from you in a timely matter,
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| 05/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights.
Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character.
This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA.
I may seek damages from you if warranted.
Sincerely, XXXX XXXX XXXX XXXX
|
| 11/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Portfolio Recovery Associates, LLC ( INC ) /XXXX XXXX XXXX , XXXX is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private XXXX.
Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.
2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.
3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress.
4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with Portfolio Recovery Associates, LLC ( INC ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.
Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXXILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 03/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
|
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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.
|
| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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The debt they began calling my place of employment about is a time barred debt.
They pulled the number off the internet for the company and willingly told the person on the other end they were calling about a XXXX XXXX card I owed money on.
Luckily that person was my husband however he didnt identify himself as that, he also answered the phone with the company name. Which is listed as my employer.
The card last payment was in 2011.
I specifically called back and asked if my debts with them are time barred, Told them we had already told them And wrote them to NOT contact me and I knew my rights.
They are pulling my credit for time barred debts.
Debt that was used fraudulently by someone who is deceased by suicide.
These are not my debts, I fought before to remove, I will not pay debts I didnt incur and them soft inquiring my credit is alarming people like mortgage companies etc. they can see that.
I know it says that they can not see soft inquires but then how would they know that?
A time barred debt that can not be collected by legal action has no business in the hands of a creditor using unethical practices. Telling employers employees business, pulling credit.
This debt is 10 years old now as of last payment. Im done playing games with this company.
Even after writing letter TO NEVER CONTACT ME AGAIN they pull my credit.
Lie about being time barred when I ask, they simply would not tell me which I know the information already. Because I worked hard to remove it and then worked years on my credit.
Your company should be ashamed of itself. I know you cant tell employers or anyone answering the phone information. You certainly did. The credit pull I dont know but time barred debt Credit pulls something should be done immediately.
Thank you.
|
| 09/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
|
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OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien.
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.
|
| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
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| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Called before 8am or after 9pm
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Web |
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I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
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| 05/14/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been engaged in an issue with Portfolio Recovery that despite their claims to the contrary on the credit bureau reports, by listing the items as resolved, has come nowhere near being resolved. This is has been stretching on for over a year and still remains a problem. And now there has been a new complication to the issue.
Portfolio, as a result of a prior dispute, sent notice that they were ceasing collection activity on XX/XX/XXXX. However they did not completely follow the directive of their own notice and continued furnishing derogatory information to all three of my credit reports, despite the accounts they claim to be the original claimants of these alleged accounts not even appearing anywhere on my credit files with any of the bureaus. Reporting on credit is a form of debt collection and, as such, Portfolio continues to violate their own agreement with the CFPB to cease collection activity.
The current and most recent issue that has arisen with this company involves the fact that they are pulling my credit from Transunion, most recently on XX/XX/XXXX. I only discovered this fact as a result of just having signed up for annualcreditreport and learning of this or I would have filed this sooner. Given that Portfolio have ceased collection activity on these alleged accounts, they should not have any permissible purpose in accessing my files and viewing my personal information. If they have some some strategy in mind they should explain it in their response otherwise they engaging in deceptive and unfair practices as under the FDCPA and UDAAP. Furthermore, they should cease pulling my file in the absence of said permissible purpose and they should also delete my file from their records and cease reporting activity as they should have a year ago.
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| 10/17/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I tried to find the opporiate selection of the complaint ; however could not find XXXX which would apply to this particular situation. While employed for Portfolio Recovery Associates it was brought to my attention that they had purchased a portfolio which contained an account which was mine, but the statute of limitations was well expired. I can not recall the the orginal creditor ; however the debt was well over the 3 year statute of limitations in which I was a resident of, which is XXXX XXXX. I was informed by XXXX XXXX that I had to resolve the debt inorder to maintain employment with the company. The amount was around {$1500.00}. In order for me to maintain my employment I had to sign an agreement to allow PRA to deduct post tax, {$50.00} a pay period for one year to resolve the issue. It was in my employment agreement that any employee who was found to have a debt in a portfolio PRA owned that it must be resolved to maintain employment. It is my opinion that the debt should have been disvolved based on my state of residence and should have never made it into their system to begin with based on NC statutes of limitations. There was an extra payment removed from my check after the agreement had been met, which PRA subsequently refunded to me. Further more after resigning from PRA I recieved another letter informing they had purchased another portfolio with another debt in which the 3 year statute would apply. Other than the intial letter I have not recieved any further communication of the debt or its collection status, this was in XXXX of 2015. I can not recall the amount, but remeber that the debt was outside of the allowable time NC has put in place. I do not know if there are any other accounts in this status with them and would like to find out.
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| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Collection I want to inform you that I have never done any type of business with this company that claims to have any type of debts with them. I do not know and I repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mention the legal status of an alleged debt. 3. Violation 15 USC 1692e A debt collector may not use any false, misleading or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt will cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the consumer 's prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer regarding the collection of any debt... 6. Violation 15 USC 1692d ( 4 ) The announcement of the sale of any debt to coerce the payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer granted directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if permitted by law, the creditor, creditor 's attorney, or debt collector 's attorney.
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| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I filed a dispute with XXXX, XXXX, and XXXX for Portfolio Recovery Acct # XXXX ( Docket no XXXX ). My dispute was Portfolio Recovery is reporting a " higher amount '' for the original charged off amount and the amount currently owed. Portfolio is " rounding '' the amounts to the next dollar. This is not an accurate reporting of what is actually owed. Portfolio " verified as accurate '' and only " updated '' the " date of balance '' for the disputes and sent me multiple duplicate correspondence letters ( ref # XXXX, ref # XXXX & ref # XXXX ) which show I was correct about the exact money amount that should be reporting. ( documents uploaded ). The original sold amount was {$500.00} not {$500.00} as being reported to the Credit Reporting Agencies. They also sent a balance owed correspondence showing {$500.00}, not {$510.00} as being reported to the Credit Reporting Agencies. ( documents uploaded ). The dispute should have changed the " amounts '' instead of being " verified as accurate ''. The credit reporting agencies noted a remark saying " item disputed. Consumer disagrees. Meets FCRA requirements. '' Verifying an 'inaccurate " amount does NOT meet FCRA requirements.
Upon further investigation of this account, I found correspondence from the Trial Court of Massachusetts, ( documents uploaded ) where the Attorney for Portfolio Recovery entered a ACKNOWLEDGEMENT OF SATISFACTION OF JUDGEMENT for this account on XX/XX/XXXX. They notated this account was FULLY SATISFIED. This means the account has actually been misreporting to the Credit Reporting Agencies and should have reflected a {$0.00} balance since XX/XX/XXXX. I filed another dispute for this account, with the 3 CRA 'S on XX/XX/XXXX to upload the additional information from the court.
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| 04/21/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I never heard of Portfolio 's Recovery before XX/XX/XXXX when I came home to a notice taped to my door about a lawsuit in a place where everyone could see what is going on. They never sent anything by mail that I owed them a debt nor did they use a carrier service to deliver the summons, and lied to the court about this since I was working from home at the time. I have no knowledge of this debt and this company has failed to provide physical proof that I was the one who opened the account and without this proof, I am concerned that this company is trying to use a lawyer to pressure me into paying money that I do not owe. This includes statements that well under Arizona law, they do not need to show proof as to who opened the account yet when the account was opened, I was a Florida resident and was a Florida resident until XXXX. Also, under the US Constitution, the 4th Amendment to the bill of rights clearly states beyond a reasonable doubt. In this case I am looking for physical evidence that I was the one who opened the account such as pictures showing me opening the account or the signed original copies of the contract with my handwriting on it. Without this proof,, how do I not know I am a victim of a scam. Even more disturbing, the lawyer also did not state the law either. Now, I am receiving phone calls non-stop from this company and from multiple numbers to the point where it is interfering with my job. I am concerned someone falsely created the credit card statements, this company is running a scam, or someone had stolen my information in the past, which I am very certain one of the three is the case and they are trying to collect on money that I do not owe. This company also continues to disrespect me because they refuse to use my married name.
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| 11/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/21 Portfolio Recovery XXXX sent me a letter stating that they've validated the " ALLEGED DEBT '' regarding account number : XXXX. ONLY I as a consumer & natural person can VALIDATE the debt. They have listed that XXXX Bank is the original creditor, which is a lie. I am the ORIGINAL CREDITOR. Pursuant to XXXX XXXX XXXX, they didn't provide me with the XXXX things that constitutes validating a debt. Even thats NOT validation, it's just an allegation UNLESS I agree ( Which I DON'T ). It's impossible for Portfolio Recovery to tell me I owe a debt, THEY DON'T have the power to do so. I never gave XXXX bank permission to give Portfolio Recovery my information, which is FRAUD. They sent me a monthly statement which is NOT validation. I choose to exercise my right under XXXX ( C ) to refuse to pay. Also how is Portfolio Recovery a creditor?? They're listed as the current creditor on the letter they sent on XX/XX/21. According to the XXXX, The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. They're poor practices have made them one of the biggest collection agencies by preying on consumers not knowing their rights. I WON'T BE A victim. I know my rights as a consumer. Due to Portfolio Recovery, I've also been a victim of abusive & deceptive debt collection practices due to having to use cash for everything because my consumer/credit reports have been damaged. They need to DELETE this from my credit report, & ANY other companies they're reporting to IMMEDIATELY due to violating my rights as a consumer.
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| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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XXXX had engaged in a lawsuit against FRAUDULANT COMPANY XXXX XXXX in XX/XX/XXXX- ( claiming their banks practices were hurting their sales ). Portfolio recovery associate LLC ( XXXX ) Rewarded vs. XXXX XXXX, Portfolio Recovery Associate, claiming owner of the crediting care the changed converting credit card into a Fraudulent obsolete XXXX expired credit into a New credit with activity in XXXX claiming owner created a credit card called a ( XXXX XX/XX/XXXX ). Synchronys partnership with XXXX XXXX XXXX as third partys Master Credit card debt complaints. Predatory XXXX XXXX, and XXXX XXXX claiming owning Portfolio Recovery Associate LLC Debt collector XX/XX/XXXX Order Judgement receive in the amount to pay {$8300.00} and court costs in the amount of {$410.00}, for all the above let execution issue claim to represent XXXX XXXX XXXX as third partys XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Claim distressed Repeatedly sent Misleading debt collection letters. Extra fees and charges and card expired statute of limitations has expired. Refusing to stop calling when ask them to be on Do Not Call List. Judgement for the letter claims, overcharging XXXX Credit Management. Policy, which is different from the privacy policy of XXXX. Violate the law by making fraud and double payments. XXXX XXXX.
The XXXX XXXX Weighted Goods Class Action Lawsuit. XXXX XXXX is not XXXX XXXX divorce from the credit card issuer XXXX XXXX, breaching their agreement for credit cards issued to XXXX shoppers, contractually defined process for valuing the loan portfolio that XXXX has serviced, failed in the most basic elements of our agreement, including its promotion of the card program both in stores and online. XX/XX/XXXX. XXXX Lost XXXX Card Deal in Battle With XXXX ...
XXXX XXXX XXXX.
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| 06/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Since XX/XX/XXXX, Portfolio Recovery Associates has harassed me in an attempt to collect debts they claim that I owe me by use of robo or autodialers. Between XX/XX/XXXX and XX/XX/XXXX they called me, often less than a minute apart over 60 times. On XX/XX/XXXX alone they called me over 30 times in less than 10 minutes and an additional 36 times through XX/XX/XXXX. This is not only unacceptable, it is a violation of the Rosenthal Fair Debt Collection Practices Act as well as the TCPA.
Additionally, this DEBT COLLECTION AGENCY or junk debt buyer falsely lists themselves as a Factoring Company with an open loan account through them. This is also a violation of the Rosenthal Fair Debt Collection Practices Act as well as the FCRA and FDCPA. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receiveables, not debt, and the bulk of the accounts are commercial, not consumer PRA is not an innocent purchaser nor are they holders. They are a collection agency and junk debt buyer.
PRAs violations as they relate to my complaint : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX are not innocent purchasers and not holders.
1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
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| 12/19/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a letter from Portfolio Recovery XXXX XXXX ( XXXX XXXX around the 1st week in XXXX about an debt I allegedly owed from XXXX Bank. I filled Bankruptcy in XXXX of XXXX and I am unaware if the trustee made any payments on this account so I sent XXXX a letter dated XXXX XXXX XXXX asking them to validate that they owned the debt and any documentation that would support their claim. They sent me statements from XXXX bank showing that it was my account but the final statement in XXXX of XXXX was not the amount they were trying to collect. In XXXX XXXX bank shows they credited my account {$580.00} so the amount owed should of been after credits is {$2100.00} XXXX is trying to collect the XXXX balance from XXXX of {$2700.00}. The account was charged off in XXXX of XXXX not XXXX. And this was the paperwork XXXX sent me. They have been incorrectly reporting this account for the past year. I live in XXXX and the states usury laws caps at 9 % for XXXX off Credit Card debt even at 9 % the amount owed is not {$2700.00}.
XXXX has been reporting this amount to all 3 credit bureaus. I have disputed this account to all 3 credit bureaus and contacted my state Attorney General XXXX XXXX complaint number XXXX dated XXXX XXXX XXXX. I am asking that XXXX suspend all collection activity and delete this file from all 3 credit bureaus and we resolve this issue. I am willing to pay XXXX 9 % over the cost of the debt from the date they acquired the debt. Since they are continuing reporting the wrong amount owed on the debt. I have no other option to but to seek legal action action after this compliant if this can not be resolved. XXXX never sent me documentation that they even know the own the debt and how much they paid for the debt. I need this information as well.
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| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York State prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX court stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
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| 03/26/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}.
On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter.
On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me.
On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account.
On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before.
On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature.
Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ).
Detailed accounting beginning with XXXX ( XXXX ) balance and ending with the alleged amount of {$2400.00}.
On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.
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| 09/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation.
Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL.
In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX.
There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX and even have police reports backing that.
Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court.
This is blatant harassment and it has to stop.
My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.
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| 02/14/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.
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| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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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.
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| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have sent this company a notice of dispute via certified mail, with a confirmed receipt date of XX/XX/2023, at exactly XXXXXXXX XXXX local time. This company is obligated by the FCRA and the FDCPA to respond to my formal dispute within 30 days of receipt. On the XXXX day, I had not received competent evidence, bearing my signature, of my legal obligation to pay this debt. So I sent them a second letter explaining my right to remove of this inaccurate and unverified debt from my credit reports. They eventually sent an account summary to a random financial institution ( well after the XXXX window required by law ). I DO NOT RECOGNIZE THIS ACCOUNT. A printout of a random account summary from a financial institution I have NEVER conducted business with does not constitute verification or prove the debt was authorized by me. Much less does it prove any contractual obligation I have to pay anything to this third party company. Not only do I not recognize this account, but I also never authorized ANY debt to be sold to ANY third party in the first place.
This company is in violation of the FCRA and the FDCPA. Here are the reasons : - They have failed to verify this alleged account within the 30 days required of them by federal law. ( I have competent, and date-stamped evidence of this ) - They have continued to report an item they know they can not verify as accurate on my credit reports, despite being unable to provide me with competent evidence, bearing my signature, of my contractual obligation to pay them.
- I never authorized ANY debt to be sold to ANY third party. Not only are they unable to verify the alleged account as accurate, but this company is also attempting to collect a debt I most certainly never authorized to be sold to them.
|
| 06/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
Servicemember |
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XX/XX/XXXX- Portfolio Recovery filed lawsuit against me for {$1700.00} There were a few continuances and ultimately I had until XX/XX/XXXX to respond or risk default judgement.
On XX/XX/XXXX I made a settlement agreement by phone with PRS for the full amount but in payments. Imediate down payment of {$350.00} and monthly payments of {$230.00} until paid.
On XX/XX/XXXX PRS sent a letter memorializing the agreement and I was to sign and return which I did after speaking with them on XX/XX/XXXX to ensure that this meant there would be no Judgement filed. It was confirmed that once the agreement was received, it would be filed with the Court and we would not have to do anything else, including going to court. Nothing would happen unless we stopped paying.
On XX/XX/XXXX I received a Default Judgment Notice for {$1400.00}. I called PRS and they told me I never signed and returned the agreement. I told them I most certainly did. After putting me on hold they said it was because a payment was returned on XX/XX/XXXX and even though I called and cleared it right away and was assured my agreement was in tact, that triggered the judgement. There is no way, if they filed our settlement agreement like they said, that a return payment on a Monday would result in a hearing for judgment in 2 days on XX/XX/XXXX. XX/XX/XXXX was the hearing date all along that we were told we didn't need to provide answer for or attend due to signing the agreement that was to be filed. They got a default judgement against me for not showing up when I signed a settlement agreement that they were supposed to file. Unfortunately I failed to make a copy of the agreement somehow but I do have the letter from them indicating the agreement was attached to memorialize the agreement.
|
| 01/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
all of my right was violated by XXXX, XXXX XXXX XXXX and XXXX.
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| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Original creditor : XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00} 1. Charged {$480.00} more than the previous balance from original creditor.
XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX XXXX had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that XXXX XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXX bankruptcy to XXXX XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, Filed bankruptcy, and liquidated all assets.
|
| 02/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio RC showed up on my XXXX XXXX report for both reporting agencies. On XX/XX/XXXX I called the number and asked for information regarding the alleged debt. I spoke with XXXX XXXX who could n't find the debt. She found a XXXX XXXX XXXX collection dated XX/XX/XXXX and the information did not match up to me. I told her that my credit report reflects XXXX in the amount of {$680.00} and i currently have an account with them with a XXXX balance. She transferred me to XXXX who could n't find the debt, however XXXX told me that I had to send in a copy of my credit report so that I could prove I was n't the debtor. On XX/XX/XXXX I called back and spoke with XXXX. She did n't find a debt. She transferred me to XXXX in disputes. He checked the XXXX and reported that it was purged in XX/XX/XXXX. He told me that I had to prove that there was on my credit report because he did n't find the debt. I emailed a screen shot of their company on my credit report. I followed up that day and spoke with XXXX XXXX who checked and checked and found nothing. She put notes on my file that there is nothing there and the mark should be removed from my credit report. I called XX/XX/XXXX spoke with XXXX who said he would n't do anything I just have to wait. I have no idea what I was supposed to wait for. I called back and spoke with XXXX. I was honest and told them that I was contacting this agency. XXXX got XXXX who is a manager. XXXX looked and looked and found nothing. He told me that he would look deeper and call me back in 2 hours. He did n't call so I called back. I spoke with XXXX XXXX and asked for some record that I owe anyone anything. He said he had nothing to show me at this time and I would just have to wait up to two weeks for them to find something.
|
| 01/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. The company has used deceptive tactics by way of there Attorney acting debt collector XXXX XXXX XXXX XXXX ( XXXX ) and the company itself by sending me a identify theft from to fill out which I already told them I don't remember are recall this debt. I was a victim of Identity theft and filed a report with the Federal Trade Commission for my own protection I am not sure what was comprised on my credit file and identity. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
|
| 06/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Servicemember |
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XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter.
Under the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.
Under both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit.
Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.
This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately.
Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
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| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
Calls almoat always come from a different number. Only the caller ID says Portfolio Recovery Associates. The one time a call was answered an automated voice was on the other end. A voice-mail is never left to prove the company is legit or what they had been calling about. The list below shows all the calls that I didn't delete. There were more before that I probably got rid of on accident. It is ridiculous to call somebody this many times from different numbers. This is the definition of harrasment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX I was notified from my employers legal team that they were served with legal documentation of a wage garnishment from Portfolio Recovery Associates. That same day, I conducted a search of my name on the Maryland Judiciary Case search and saw that there is a judgement against me with Portfolio Recovery Associates. As I was reading the judgment, I saw that a hearing was scheduled on XX/XX/XXXX. I was not notified of the hearing, I had no clue that I was being sued. I didn't found out about this until my employers legal team emailed me on XX/XX/XXXX. On XX/XX/XXXX, I contacted Portfolio Recovery Associates to obtain documentation of the debt that I owed Portfolio Recovery Associates. The representative that I spoke to stated that my account with Portfolio Recovery was closed because legal action has been taken and there is an active wage garnishment. The representative then transferred me to their manager because I wanted documentation that I owed Portfolio Recovery Associates and why is this company suing me. The representative stated that my account is closed because there is an active wage garnishment and can not provide the documentation. I contacted Portfolio Recovery Associates via telephone every weekday from XX/XX/XXXX - XX/XX/XXXX and received the same answer from each representative " Your account with Portfolio Recovery Associates is closed because legal action has been taken and there is an active wage garnishment, we can not provide additional information or documentation. '' I did not know I had an account with this company nor owed them any money. Today, XX/XX/XXXX I received an email from my employers payroll office stating that my wages will now be garnished, 25 % of my disposable income starting XX/XX/XXXX.
|
| 08/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello Rep ; I was shocked when I reviewed my credit report and found that you're reporting a collection on my credit from an account that i never owned. I actually had sent an IdentityTheft affidavit in regards to this to the original creditor and it was removed. How come are you still reporting this now? It was originally from XXXX/XXXX, and i sent all the required paperwork that they had asked me. Please remove this collection from my credit once and for all. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
|
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Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, Portfolio Recovery Associates, who is all violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ).
Portfolio Recovery Associates are falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which also resulted in my FICO score taking a major plunge because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this debt collection agency was removed back in XX/XX/2017, only to learn they are still falsely reporting to all 3 major credit reporting agencies. I am still trying to understand how they were able to just report the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies.
I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.
Thank you
|
| 06/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was contacted by portfolio Recovery Associates, or at least they claim to be. The lady claimed to be trying to collect a debt from XX/XX/XXXX. The debt was originally with, supposedly, XXXX XXXX. They stated that it was charged off in XX/XX/XXXX. And that portfolio recovery Associates picked up the debt. In XX/XX/XXXX, I pulled my credit report and with the assistance of a loan professional, I went in and paid off all debts on my credit report. At that time, if there were an outstanding bill from XXXX XXXX, it would have shown up on my credit report and it would have been paid at that time. I did tell the woman I was speaking with that I had paid everything off my report in XX/XX/XXXX. She informed me that this debt would not have shown up on my credit report, but that it was a debt and it needed to be paid. I told her that I did not feel comfortable paying a debt from XX/XX/XXXX and that I could not verify by looking at my credit report. She repeated to me several times that it would not show up on the report. I told her that just did not make sense to me. She stated an unfamiliar address, an apartment address. I have lived in apartments in the past, but I did not recognize that address. I told her that address could have been a made up address. She was unable to tell me the phone number that the bill belongs to. I told her that I did have a landline in XX/XX/XXXX, but in XX/XX/XXXX everyone basically had a landline. I told her that it did not make sense. Long story short, she repeatedly requested payment and said it was my debt. I told her that I did not believe that was my bill, it could not be verified, and that I was not paying her any money. She stated that she was going to notate that in my record, and to have a good evening.
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I left USA to take care of my sick family member in XX/XX/XXXX. I left money in my bank account for my past depts monthly payments. I came to USA for only 6 months to settle my student loan payments in XX/XX/XXXX. During this time I stayed 3 months in a hotel, 2 months in a friends apartment, 1 month an other friends ' apartment in a different city. I found out when I was not in the US my SSN had been used by someone and I reported to FTC and had Identity Theft case number available if needed.
Soon after reporting, I left USA again in XXXX XXXX for 4 and a half years, returned in XX/XX/XXXX. XXXX. After a short time coming back I started to receive haresing phone calls, treathful words via phone from all around the country. I explained in each calls I was not in the country, the dates they were telling me that I was not in the US. 3 of 4 different companies stopped calling me but one escalated their temper toward me.They claim that, I had lived in a place and did not pay rent which was not possible a person in a 2-3 different address in a same time period. Now days, I am receiving not only haresing calls also bills mail to me. They even told me coming to my address and put me in jail in front of my children. This is too much for me to handle by kindness and smooth attitude. I can prove with my passport that I was not in the US.
Someone did empty my bank account used my SSN, put me in a place to deal these terrible collection companies. Also there are 5 other phone numbers under my name that I did not use, and addresses I did not live in my credit report ... .It is frustrating. The bills does not even explain what is the dept for. It has been too long and apparently will not end without a legal action. Please help.
XXXX XXXX XXXX
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
I have been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a XXXX XXXX Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
|
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portfollio is still reporting on my credit spoke to portfollio today who sold it to another company and its hurting my credit bad and there still reporting it on my credit history even though the debt it not with them anymore, their violating my FCRA rights.
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Portfolio Recovery Associates has been reporting an amount of {$400.00} to XXXX consumer reporting agency claiming that I owe this money. This company has refused to provide any information of a contract with my wet ink signature that shows me doing any business with them. Portfolio Recovery Associates was just fined for their illegal practices XXXX of this year. This company continues to violate my rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. Portfolio Recovery Services has stolen my identity there has been no written consent to use any of my personal information.18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.
( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. This is the law that was written by congress to protect me the consumer.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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PORTFOLIO RECOVERY ASSOCIATES LLC To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) 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. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you, XXXX XXXX
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| 07/12/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX.
Balance : {$4900.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
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| 12/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.
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| 07/01/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!
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| 05/14/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation.
On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls.
Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.
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| 06/05/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED XXXX XXXX XXXX ATTACHED.
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor XXXX XXXX , who failed to provide proof of debt, as to the electronic purchase from XXXX XXXX to Portfolio Recovery Associates.
Portfolio Recovery Associates, per the attached letter dated XXXX XXXX XXXX did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to XXXX XXXX , as they failed to provide proof of debt via copy of the electronic purchase from XXXX XXXX . Their letter dated XXXX XXXX XXXX is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
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| 07/12/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$2000.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
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| 09/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have previously complained about Portfolio recovery ( hereinafter PR ) and the complaint was closed and nothing was resolved. Complaint # XXXX as well as complaint # XXXX. PR has been negatively reporting to the credit reporting agencies causing my XXXX XXXX to drop significantly. I have requested validation of the alleged debt and PR has NOT issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court.
Furthermore, PR never sent me any first communication, yet in PR response to my dispute with the credit reporting agencies, PR sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX. I have requested PR on several occasions including via email a copy of the alleged contract between XXXX and PR. and copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. I need someone's assistance with this company. PR does not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.
Not only is PR in violation of several federal laws that protect me the consumer, but also PR has engaged in identity theft by reporting to the credit reporting agencies without prior authorization from I the consumer, and forging a fake contract. I have never contracted with PR nor given PR any permission or authorization to have use of my personal identifying and private information, let along make negative remarks on a public medium such as a consumer report.
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| 01/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} XXXX Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the XXXX account, the address is completely off. No wonder, I did not receive the document.
I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so.
The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent.
After speaking to XXXX XXXX and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep.
Best Regards, XXXX XXXX XXXX
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| 12/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXXXXXX2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : XXXX Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
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| 06/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Portfolio Recovery Associates XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about 2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc.
My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus.
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.
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| 09/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance.
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount.
Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??
|
| 12/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account.
I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX.
To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters.
Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX.
The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company.
Thank you.
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| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX For Portfolio. Recovery has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! Portfolio dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO PORTFOLIO RECOVERY XXXX XXXX
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| 04/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION.
Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY.
Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY.
Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation.
Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY.
Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account
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| 10/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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First Disputed this debt on XX/XX/XXXX with all 3 credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Portfolio Recovery Associates, LLC has been reporting on my credit and fails to provide proof of my obligation to 2 alleged debts which has been requested two times already. They have sent me spreadsheets with an account numbers and balances of these debts from the original creditors, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see a signed contract saying that I am liable for these 2 debts and that Portfolio Recovery Associates, LLC has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Portfolio Recovery Associates, LLC, they state " In response to your dispute, we have requested that the 3 major credit bureaus change the status of this account to dispute resolved consumer disagrees. '' I feel that this action was taken by Portfolio Recovery as retaliation for disputing these debts. These debts are beyond the Statute of Limitations here in Pennsylvania. I have also requested that Portfolio Recovery stop contacting by phone, and only contact me by US Mail. However, they continue to call me. I am requesting to see a signed contract for each debt and creditor with my signature on it, verifying that these debts are in fact mine.
|
| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Portfolio Recovery has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with Portfolio Recovery to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX report is a XXXX XXXX XXXX from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
|
| 06/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PORTFOLIO RECOVERY bought the Debt from XXXX XXXX as of last year for two cards in the total amount of {$3200.00} one card is for {$1200.00} and the other capital one card is for {$2000.00} although the debt is nearly 3 1/2 years old. I didn't receive any documentation of my right to dispute or any paperwork for that matter. The next thing I know they're trying to take me for court and they didn't have an amount and no information specifically underlying my " case ''. I do not like the fact that this company is trying to bully me into paying a debt that I do not mind paying but using hostile tactics from a loan that they just bought from XXXX XXXX in XXXX and the debt pre-dates XXXX. ( Default of loans in XXXX ). This new loan has affected my credit score because it makes it looks as though my debt is brand new and it's not. I would like all reports from Portfolio Recovery to be removed since it's not from the original company ( XXXX XXXX ). I understand that Portfolio Recovery Soon after they first contact you, the debt collector is required to notify you of your right to dispute the validity of the debt. Then, you have 30 days to send a debt validation letter requesting proof that the debt is yours. After receiving your letter, the collector must stop collection activity until theyve sent the proof. Portfolio Recovery did no such thing. I never received that nor did I know that I have a window of time to dispute it. I understand that each state and rules may vary but my concern is that these loans will continue to be rebought over and over, as they continue to not only break the rules and keep me in the dark but hurt my credit and lively hood as well. I would like to come to some kind of peacful resolution.
|
| 05/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against Portfolio Recovery Associates ( PRA ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old XXXX XXXX account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another XXXX XXXX credit card. XXXX XXXX has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. PRA has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because PRA sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against PRS called Federal Trade Commission v. Portfolio Recovery Associates, PRA must show proof of ownership of a debt or proof that XXXX XXXX has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, PRA is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. PRA is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by PRA. THIS ITEM POSTED IS ILLEGAL!!! PRA MUST DELETE ITEM AND PURGE MY INFORMATION!!!
|
| 11/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
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|
Web |
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Improper contact or sharing of information probably best describes what happened.
I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list.
The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system.
I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number.
The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US.
The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning.
In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY.
I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits.
I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.
|
| 02/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
To Portfolio Recovery Associates Whom it may concern : This is about the letter sent via mail dated XX/XX/2023 requesting your company for validation of the below-mentioned account number XXXX XXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction.
Further, the creditor reported this on my consumer report as Charged off. It means that the creditor will no longer attempt to collect this alleged debt owed by them.
Therefore, pursuant to my rights I approached the creditor and asked the following questions 1. Have they sold this alleged debt?
2. To who is this debt sold?
3. Are they still in the process of collecting this debt?
I am enclosing herewith the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record.
1. Yes, they have sold the debt.
2. Its sold to your company name portfolio recovery 3. Since they have charged it off, they are no longer in the process of collecting this debt.
Through the response received from the creditor, I would like to inform you that your company has violated 15 USC 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the Creditor was attempting to collect the debt when in reality, it was not true.
Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e. {$1000.00} ( XXXX XXXX USD ) I am attaching herewith the invoice and if you fail to pay the same, I will escalate this matter to Federal court.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Balance {$3100.00} I have tried numerous times to get this account verified and Portfolio has not provided me with sufficient information to verify this account balance is correct, if the have the right to own it or if they in fact the debt is even mine.
Date opened on XXXX shows XX/XX/XXXX but XXXX and XXXX show XX/XX/XXXX. Account number is XXXX on XXXX but on XXXX and XXXX show XXXX. Date of last payment shows XX/XX/XXXX on XXXX but Portfolio sends me a statement showing a date of XX/XX/XXXX.
Notices sent to Portfolio on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and Portfolio has ignored my request for the proper information to validate this debt.
My request have also been asked to the following credit bureaus XXXX, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and yet the information still has many inconsistencies being reported This is unacceptable how can I verify the information if they have not given me a date of first delinquency or even know how the balance they are requesting is the right amount just by a bill that was sent to me.
Bill statements given is as follows XX/XX/XXXX balance {$1600.00} ( paid {$27.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2000.00} ( paid {$39.00} on XX/XX/XXXX ) XX/XX/XXXX balance {$2100.00} ( paid {$64.00} on XX/XX/XXXX ) - XX/XX/XXXX balance {$2300.00} ( paid {$75.00} on XX/XX/XXXX ) - no statements given for the following XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX balance {$3000.00} ( paid XXXX ) XX/XX/XXXX balance {$3100.00} ( paid XXXX ) There is no signed agreement or bill of sale given between the creditor they state they got bought this account from.
Where is the copy of the Original Debt Notification Letter
|
| 06/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Dear Portfolio Recovery Associate, I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XX/XX/XXXXor XX/XX/XXXX] consumer report : Dispute-1 : Account Number or other information to identify account : XXXX, Source of dispute information : Fico 3b Report Type of disputed information : Fraudulent Account, Identity Theft Dates associated with item being disputed : XX/XX/2019, Explanation of item being disputed : o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. I have notified Portfolio Recovery Associates on three separate occasions. As well as providing them with a police report and they have refused to remove the item. They continue to report false, balances, Dates, and other information to retaliate for my disputes.
o This is the second time I have dealt with Portfolio Recovery Associates. The had an item under my name that was not mine. The owner of the company wrote them a letter explaining I do not owe a debt. They would not remove the debt, even crank calling me saying they were going to Kill my mother. In retaliation for filing complaints against them. They called me 15 times in one day. It was only when I started the process to sue them in civil court. That they stopped but falsely reporting the debt. Now they are trying to do it.
Resolution : Remove Debt From all three Credit Reports. If this dept is not remove I am going to sue for the harassment, Stress and financial damages directly cause by the action of Portfolio Recovery and its associates. I will seek punitive damages for each year this item was reported. Along with the loss of income with increases due to this false report.
Thank you for your assistance.
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| 05/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!
|
| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I previously filed a complaint against Portfolio Recovery and they said they would investigate the issue. I had an account with XXXX XXXX that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed.
Portfolio Recovery stated they purchased the account from XXXX XXXXXXXX in XXXX and XXXX XXXXXXXX Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to Portfolio Recovery, showing the account was paid in full and closed on my request.
Portfolio responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the Credit Reporting Agency about the original account in question against XXXX XXXX and XXXX confirmed the account was paid and closed. So Portfolio never had any intentions to stop illegally trying to collect a debt that never existed.
They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open.
This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me.
I ask that CFPB intervene at this point. XXXX XXXX has not cooperated with CFPB and Portfolio has no interest in obeying the law, but rather giving lip service.
The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account.
Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching a billing statement as proof.
I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same billing statement referenced earlier. The same happened after I mailed them again on XX/XX/XXXX.
It seems that Portfolio Recovery Associates, LLC is also attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense, and is illegal.
It seems they are trying to take advantage of consumers ignorance of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report.
I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
|
| 10/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company ( Portfolio Recovery Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
|
| 01/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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OnXX/XX/2019 I mailed two letters of dispute for an alleged collection with a balance of {$790.00} to Portfolio Recovery Associates, XXXX and they were delivered XX/XX/2019 at XXXX XXXX. I mailed the same letter twice being that they reported two different address on the credit reports where this alleged debt is listed under my Social Security number. On today, XX/XX/2019 I received two separate letters both dated XX/XX/2019 from Portfolio Recovery Associates, XXXX stating that, " In our previous letter to you, we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. '' ( Note that in the comments on my XXXX credit file, this company states that they've " completed investigation of FCRA dispute ). Listed on my credit files ( XXXX, XXXX and XXXX ) are the comments " consumer disputes after resolution '', " dispute resolved ; customer disagrees '', and " subscriber reports dispute resolved ; completed investigation of FCRA dispute ''. I have never received ANY letters from this company whatsoever regarding this alleged debt listed under my Social Security number except for the letters stated above delivered XX/XX/19. I have also never signed any law binding contractual obligations with this company to repay this alleged debt. Also note, per my XXXX credit file, the account status is listed as Closed, but this alleged debt is in collections being reported as Failed to Pay -- to date. Portfolio Recovery Associates, XXXX is reporting differently to each of the previously mentioned Credit Bureaus ; items such as account number, account status, terms, and original creditor.
|
| 10/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
In XX/XX/2018, I received a letter from Portfolio Recovery Associates stating I owe them monies from the accounts associated with the following numbers : XXXX and XXXX. I never had any accounts with this company or any company referencing this company and I immediately requested Portfolio Recovery Associates to provide me with a validation of debt that is referenced. This company never sent me ANY validation that I owe these debts. I received a one page statement for account number XXXX which was not proper validation. This company never responded with the REQUIRED validation. I have sent several letters requesting the REQUIRED validation of these debts. I have NOT RECEIVED ANY DOCUMENTS!! This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I called this company on XX/XX/XXXX at XXXX and requested this company send me all the required documents for these debts they state I owe. I spoke with XXXX and she stated Portfolio Recovery Associates have already validated these debts. I requested the documents that show these are mine and I have never received.
I recently checked my credit files and noted Portfolio Recovery Associates placed the two invalidated accounts on each of my credit files. This is a violation and Im demanding these accounts be removed from each of my credit bureaus. This company failed to provide the required documents within the time provided. I have attached EACH of the letters I received from Portfolio Recovery Associates and EACH of my responses to Portfolio Recovery Associates. I NEVER received the validation I requested by law. I should I have received something from these accounts prior to placing any data on my credit account.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Portfolio Recovery Associates has now ILLEGALLY filed an ADVERSE ACCOUNT action against me with XXXX, without first sending me the LEGALLY REQUIRED notification that they now hold an account that they CLAIM that I own, with an unpaid balance that THEY CLAIM that I owe.
They know, based on my previously filed complaints with CFPB, and based on my otherwise perfect ( XXXX ) credit score that this account does not belong to me, and is, apparently, the result of Identity Theft.
They continue to ignore this, while just now sending me a COPY of the legally required notifications that they sent to a different person at a DIFFERENT ADDRESS in XXXX. That DOES NOT meet their LEGALLY REQUIRED Notification to ME, since I have never seen it before, AND THEY KNOW THAT.
They started with harassing phone calls, refusing to even identify themselves, and only now providing the documents sent to the different person at a different address in response to my earlier CFPB complaints, and in an apparent attempt to cover their XXXX with the Arkansas State Board of Collection Agencies Complaint Process.
CURRENT : They HAVE NOT sent ME any of the LEGALLY REQUIRED NOTIFICATIONS at my LEGAL address ( unchanged since XX/XX/2005).
SO, they have filed an ADVERSE ACCOUNT in MY XXXX Credit Report without ever sending me any of the LEGALLY REQUIRED Notifications at my LEGAL address, which they clearly have.
This is continuing harassment, directed toward trying to get me to pay money that they know I do not owe. They believe that they can coerce me, based on my age and my exceptional credit score, into just paying a debt that I do not owe in order to get them to stop the harassment and remove their illegal Credit Report input..
|
| 03/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX XXXX XXXX : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers?
1. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information.
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation 3. ) They have now chosen to harass and cause me anxiety not only while WORKING on a dangerous road but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete.
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers?
Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is going to be my 3rd complaint with Portfolio. They continue to state they validated this debt, state they send validation notice but can not provide me with the copy of the notice they state that was sent on XX/XX/XXXX. I find it so strange how if they are so positive that this debt is mine and they have the right to owe it why do they refuse to send me anything but a summary of their account and bills statements.
There is nothing at all that has been provided to me that shows that they bought this debt or a written agreement with the original creditor nothing.
Bill statements being repeatedly sent for the same dates and they refuse to provide me with a bill of sale from the original creditor with them showing they have the right to claim this debt.
Only info provided has been as follows Date opened with them XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$1600.00} Bill statement due date XX/XX/XXXX with balance of {$2000.00} Bill statement due date XX/XX/XXXX with balance of {$2100.00} Bill statement due date XX/XX/XXXX with balance of {$2300.00} Where is he bills statements from XX/XX/XXXX - XX/XX/XXXX Bill statement due date XX/XX/XXXX with balance of {$3000.00} Bill statement due date XX/XX/XXXX with balance of {$3100.00} I find it very hard to believe that they can not produce the original validation notice or the bill of sale to show me they really owe this debt.
I find it hard to believe they do not have my date of first delinquency or the bill showing the charge off.
Portfolio has made every attempt to ignore every attempt I have made to get the information needed to determine if this is mines, if the balance is real and if they have any rights to this debt.
|
| 08/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it my concern, Several months ago I pulled my credit report from all three major bureaus. There were several items being reported that I did not recognize. I disputed these items with the 3 bureaus and several of them were deleted. 2 accounts were not deleted, however. Portfolio Recovery Associates, LLC ( PRA ) Is reporting 2 accounts that I don't recognize. I disputed the accounts with the 3 bureaus and directly with PRA. I had never received ANY communication with PRA concerning these 2 accounts until AFTER I initiated the dispute process. Once I began the dispute process PRA sent a printout of an old statement from both accounts. The copies of the original statements showed that they were originally addressed to 2 different addresses, both of which belonged to my father. My father and I share the same name with no differentiating title, i.e. junior, senior, etc. I sent a letter to the 3 bureaus and PRA requesting more information/proof that the accounts were mine. I have received no such proof from either PRA or the 3 credit bureaus. I keep receiving the same form letter from PRA that lists name, account number, date account was opened, balance, etc. The ONLY original information I have ever received is one copy of a credit card statement from both accounts which both list addresses that belonged to my father. I believe that PRA and the three credit reporting bureaus have NOT performed a proper investigation, even after being requested to do so, and continue to use the XXXX system in order to " validate '' the accounts. I simply want proof that these 2 accounts are mine and not my fathers and to have these 2 accounts DELETED from my credit profile if proof can not be produced.
Thank You
|
| 06/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX credit reports in XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request.
As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!
|
| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I am writing this letter in response to the court summons served to my family on XX/XX/2023. I was appalled to learn that the summons was handed to my XXXX son, causing him undue stress and XXXX, as well as causing embarrassment to me and my family. I want to make it clear that such conduct is unacceptable and likely constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as other state and federal laws that protect consumers from harassment and unfair practices.
Firstly, I request the immediate removal of the collection related to this account from all credit bureaus and revocation of the court threats. Failure to comply could result in legal repercussions, including but not limited to lawsuits, and reporting of the violation to regulatory authorities.
Secondly, I demand a formal, written apology to me and my family for the emotional distress and embarrassment caused by the inappropriate delivery of the court summons to a minor child.
Lastly, I insist upon receiving competent evidence of the alleged debt and my contractual obligation in relation to the tradeline in question. According to Section 809 of the FDCPA, I have the right to request the validation of the debt. Until such validation is provided, you should not continue any collection activities related to this account.
If you fail to provide competent evidence of my obligation to this debt, cease and desist all collection activities immediately, including reporting the debt to any credit bureaus.
Please treat this letter as an immediate request for action, and confirm your compliance within 15 days of receipt of this letter. Failure to comply will result in me taking legal action to protect my rights.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
First of the CFPB has taken action against Portfolio Recovery Associates for using deceptive tactics to collect bad debts. My debt is completely inaccurate where Portfolio Recovery lacks documentation and trying to enforce collection without verifying the alleged debt.
Portfolio Recovery Associates has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.
There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.
According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place.
XXXX, XXXX, XXXX and Portfolio Recovery Associates " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
These companies have all violated either of the two which both constitute identify theft.
I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights.
I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
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| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a credit card dispute with XXXX XXXX XXXX XXXXXXXX XXXX. in XXXX. XXXX XXXX charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago.
Recently, a SECOND third party debt purchaser, PORTFOLIO RECOVERY ASSOCIATES, purchased the account on XX/XX/XXXX and has made attempts to collect.
I called the original creditor, XXXX XXXX XXXX XXXX XXXX. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX and opened a case regarding fraudulent activity on my credit report. ( XXXX Report Number is available ). XXXX Fraud Agent, XXXX, ensured the company would contact both XXXX XXXX XXXX and Portfolio Recovery, requesting my usage/activity as well as the ORIGINAL date XXXX XXXX discharged the debt.
XXXX contacted me XX/XX/XXXX after ONLY contacting PORTFOLIO RECOVERY who generated the activity they reported since their purchase on XX/XX/XXXX.
Personally, I've had only XXXX XXXX card for the past nine years. By demanding the charge off date from XXXX XXXX XXXX XXXXXXXX XXXX, you will see how long the account has been on my account. XXXX basically didn't do their job and the fraudulent account remains a blemish on my credit score.
In summary, if I could have access to XXXX XXXX XXXX XXXX XXXX and the date they charged off my account, it would prove PORTFOLIO RECOVERY ASSOCIATES purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.
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| 08/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2019 at approximately XXXX I pulled a credit report for the purpose of purchasing a home. When reading over my credit report I noticed that there were fraudulent accounts listed on my credit report. None of which I had knowledge.
On XX/XX/2019 after unsuccessful attempts at contacting creditors and debt collectors I was advised to file a police report. I filed a police report and the deputy listed the accounts in question.
On XX/XX/2019 I sent the police report number via email to Portfolio Recovery Associates.
I mailed dispute letters with a copy of the police report on XX/XX/XXXX to Portfolio Recovery Associates LLC. On XX/XX/2019 I called to confirm that Portfolio Recovery Associates was in possession of this report number. The associate I spoke with requested a copy of the actual report.
On XX/XX/2019 I sent three copies of the physical police report for all three accounts Portfolio Recovery Associates was attempting to collect. After numerous phone calls to Portfolio Recovery Associates throughout the following week, claiming that they did not receive my email, I was advised by a representative from Portfolio Recovery associates to resent the email.
On XX/XX/2019 I resent the email for the accounts listed.
I called on XX/XX/2019 to confirm action was being taken to remove the fraudulent accounts. However an employers advised me that because the police report listed the original credit limits and not the amount owed that they would not accept the police report.
This is a blatant attempt to try and continue a debt collection in a case of obvious fraud. I will take every legal action necessary to fight Portfolio Recovery Associates, Upto and including civil litigation.
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| 07/24/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Portfolio Recovery Associates LLC we received your fake letters for a XXXX Debt. Portfolio Recovery Associates is present on my credit reports as XXXX Debt collection. But letters state : This letter is for informational purposes only and is not an attempt to collect a debt. This communication is from a debt collector but is not an attempt to collect a debt. Portfolio Recovery Associates did you add those statements because you do not have a license to collect a debt in Michigan? Lets see letter typed up on XX/XX/2020 but your Debt was purchased on XXXX XXXX this is not a chain of custody letter. This is just Portfolio Recovery Associates typing fake letters and sending out to seniors for free money Scam. My name is from the same typewriter, Portfolio phone Number is from the same typewriter. There is no creditor code on the letter and their is no such thing as the word Seller. Portfolio in your letter you state : Your credit card account with a balance of {$270.00} was acquired by Portfolio Recovery Associates, LLC on or about XX/XX/2020. Portfolio Recovery Associates you did not state any account was sold to Portfolio Recovery Associates. Their is a big difference between sold and acquired. Portfolio Recovery Associates is on my credit reports for an XXXX account collection {$270.00} in which has decrease my credit score that I can not use my credit reports during these times and with Covid-19. Portfolio Recovery Associates you owe me {$25000.00} for falsely sending letters in the mail for free money and I am going to collect. You have one day to remove yourself off my credit reports. I have sent your letters to the proper authority and you should be hearing from the authority with in 30 days
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| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...
" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).
PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.
I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.
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| 07/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from PORTFOLIO RECOVERY. I have no knowledge of this account nor have I done any business with this. I do not have a signed and dated agreement from PORTFOLIO RECOVERY. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character
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| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Unfortunately, my vehicle was stolen in XXXX and again in XXXX. To make matters worse, my wallet was inside the vehicle at the time, which contained my Social Security card, driver 's license, and passport.
As a result of this unfortunate event, I have become a victim of identity theft. Unauthorized individuals have opened multiple accounts and undertaken various activities under my name without my consent or knowledge. I am extremely concerned about the potential consequences and implications of this situation.
I urge you to take immediate action to address this matter and provide any necessary assistance. I kindly request that you freeze any accounts associated with my name and take appropriate measures to prevent further unauthorized activities. Additionally, please let me know if there is any documentation or evidence required from my end to rectify this situation promptly.
Furthermore, I would greatly appreciate if you could share any recommended steps or procedures, I should follow to mitigate the damages caused by identity theft. Any guidance or support you can provide in this matter would be invaluable to me.
I understand that dealing with cases of identity theft can be complex and time-consuming, but I truly hope for your swift action and utmost attention to this matter. I trust in your expertise and ability to handle such situations efficiently.
Your immediate attention to this matter is of the utmost importance to me. Please acknowledge the receipt of this email and indicate the steps you have taken to address the identity theft and unauthorized activities.
Thank you for your understanding and cooperation. I eagerly await your prompt response.
Sincerely, XXXX XXXX
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| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2022. I responded to a notice of a collection of debt from Portfolio Recovery Associates LLC. In my response, I requested the following items to be provided to me in order to validate the debt in which they assumed I owed to them. Those items were listed as follows : 1. The original contract from the original creditor with my signature on it.
2. The payment history and itemized billing associated with this alleged account.
3. The proof of authorization and ownership. How and when did your company get assigned or purchase this alleged debt owed to you.
4. Please provide the name, address, and phone number of the original creditor.
Please provide all requested information to me via mail. If you can not provide all of the requested information to me within 30 days, your attempt to collect the alleged debt will be considered as illusory and you must cease and desist all forms of communication with me. You will also be prohibited from reporting any negative information and false debts owed to you in my name to credit reporting agencies.
After Portfolio Recovery Associates LLC received my request to validate the assumed debt owed to them, they ignored my request to provide me with these items and instead, they proceeded to report the assumed debt owed to them as a collection account to the credit reporting bureaus. The actions of Portfolio Recovery Associates LLC in their decision to ignore my request, has not only resulted in damages to my credit worthiness. But it has also violated my rights as a Consumer who demanded that the assumed debt which they said is owed to them be validated BEFORE reporting ANY negative items and/or false debts in my name to credit reporting agencies.
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| 06/24/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/2020 my families home was approached at XXXX XXXX PST by a man of XXXX decent. First he approached my teenage daughter in our driveway asking her questions about me which is to my understanding unlawful. I have no clue who he was nor did he identify himself of his association other than he has some papers for me to sign. I told him I do not know who he is and to leave my home immediately as I am not opening a door for someone who can not state their association or business. I asked him over three times to leave the property and when he didn't I quickly phoned the local police department and showed them the video of the man who approached my home as well as a photo of his vehicle.
XX/XX/2020 another man of XXXX decent approached our family home at XXXX XXXX PST and then phoned me as well. Please keep in mind that I am asleep and should not be getting phone calls at XXXX XXXX. I further advised very nicely and clearly I do not know him or is partner and to not approach my families home. If he is working for a provider they can mail me a certified letter if they have business to attend to with me but coming to my family home harassing my family my family on private property is unacceptable and I will phone the authorities going forward if they continue to harass my family.
Again, no credentials presented when I ask who he is with, no documentation mailed from this supposed collector and yet my family home is being harassed with multiple gentleman I have no clue who they are and is rather threating to myself and my family. I have asked nicely if there is correspondence with this creditor for it to be mailed but I will not be opening my home to harassing & threating strangers.
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| 06/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Previous Complaint # XXXX was responded by Portfolio Recovery to CFPB on XX/XX/XXXX TODAY I RECEIVED ANOTHER COLLECTION FROM THEM THESE CRIMINAL SOBS. JAIL THEM ALL. I DEMANADED A CEASE AND DESIST OF ALL COMMUNICATIONS, HERE WAS THEIR LYING CRIMINAL JAIL THEM RESPONSE : XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response In response to your complaint, XXXX XXXX XXXX, XXXX ( " PRA '' ) verified the PRA account ending in XXXX. PRA received and honored your request to cease all calls and other collection communications regarding the PRA account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX , XXXX . ( " XXXX '' ) XXXX account ending in XXXX together with the right to receive payment of the balance due on the account on or about XX/XX/XXXX. Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$840.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. Prior to receipt of this complaint, PRA had no record of receiving a written request to cease communications with you regarding the PRA account ending in XXXX. PRA has honored your request to cease all calls and other collection communications regarding this account. In response to your complaint, PRA has sent a letter on or about XX/XX/XXXX, containing validation.
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| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number.
I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc.
The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX.
The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX.
I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations.
I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.
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| 03/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Portfolio Recovery Associates is reporting incorrect information on my credit reports. This is for an alleged account number : XXXX. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature, showing my obligation to pay them. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They responded on XX/XX/XXXX with a random billing statement but no contract or anything bearing my signature. 30 days from the day they received my first letter, I pulled my credit report and noticed the item still being reported. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still have yet to provide me with proof bearing my signature. Im going to give them another 30 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
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| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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The debt collector ( Portfolio Recovery Associates LLC ) has placed a collection on my credit report for a debt that is not mine. They are using an illegal practice by trying to collect the same debt from two individuals in the same household. I have attached two photos from my ( XXXX XXXX ) XXXX credit report and that of XXXX XXXX who lives in the same household as me. The Collections are both from Portfolio Recovery Associates LLC and have the same account number. The information I found interesting is that although the Collections are from the same account they are showing different debt amounts. This makes me assume that Portfolio is simply randomly collecting debt they do not have the right to collect. So because of this if Portfolio Recovery Associates LLC is unable to send me a debt validation that includes a contract or official document that has my signature from the credit card company stating I am the bearer of the debt. I also will need to be sent the official or government document stating Portfolio Recovery Associates LLC is the legitimate owner of the debt. They must also include their license # that allows them to collect debt in the state of California and the license numbers of Virginia where they are stationed. Lastly, I will need all the information about the debt including how much it was purchased for. If Portfolio Recovery Associates LLC is unable to provide this proper debt validation within a 30-day window then they must remove the collection from all three credit Bureaus as is my right under the Fair Debt Collection Practices Act. ( FDCPA ) If they refuse to do so I will have no choice but to sue them for the XXXX penalty for infringing my consumer rights.
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| 07/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX I pulled my bureau report and found that XXXX XXXX XXXX XXXX ( PRA ) of XXXX XXXX XXXX XXXX VA XXXX had reported a collection account against my name in the amount of {$470.00}. I sent a request for PRA to complete the enclosed Debt Collectors Disclosure Statement ( DCDS ) as a validation of debt they claimed was due them for an account they allegedly purchased from XXXX XXXX that was charged off in XXXX, after being in dispute.
XX/XX/XXXX response from PRA does not include sufficient information and evidence to determine the validity of PRA 's claim of assignment to enter into the alleged original contract between the Original Creditor and alleged Debtor that was charged-off, or the amount PRA paid for the account, which is suspected to be pennies on the dollar, yet they are demanding the full amount charged off by XXXX XXXX, and without providing an affidavit as requested evidence of the purchase amount and assignment for entering the alleged original contract.
This is not in compliance with my request for the completion of the DCDS so that I can determine if PRA has a rightful claim and authority to report negative information to the credit bureaus and request payment from me as owner of a debt that XXXX XXXX charged off in XXXX.
XX/XX/XXXX a XXXX request for validation of debt was sent informing PRA a complaint was being filed with CFPB and as a Notice of Intent if PRA does not comply and return a completed DCDS within 30 days. PRA is causing me harm by reporting negative information to the credit bureaus on an account they have failed to provide sufficient evidence they have authority to make a claim against me for.
XX/XX/XXXX filed this complaint with CFPB
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| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXXwithin the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response??
furthermore PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Portfolio Recovery Associates is not in compliant, see attached documents that is sent. Sent CFR 1006.34c, the dispute letter, it was sent directly to PRA , On this Date XXXX XXXX PRA received this XXXXetter pre'se CFR 1006.34c, Portfolio Recovery is required by the FDCPA to produce all the disclosures in your law. Portfolio Recovery has not provided any disclosure which is a violation of 12 CFR 1006.34c, so this now leading me to believe that Portfolio Recovery is above the Federal Law, above your laws, which is not the case. Furthermore, Portfolio Recovery didn't use the Model Form B1, and its requirements and its new law the FDCPA Which was updated XX/XX/2021. On Numerous occasions Portfolio Recovery Associates did not provide the required disclosures to me, Portfolio failed to provide any disclosures. they failed to use the Model Form b1 and they not response to any dispute I sent properly, Making representation about unsubstantiated debts failing to review the required documents to support the claim, not showing any proof that i actually owe any alleged debt, Portfolio Recovery Associates attempts to collect on unsubstantiated inaccurate debt pressuring with false statements, states incorrect balances, interest rates, and payments due dates in attempting to collect, thats it. just want to collect without first conducting any investigation to determine whether the debt were accurate and enforceable. This why I am Making a complaint with the CFPB because PRA inability to follow the law for Portfolio thinking they are above the law and furthermore they have been noncompliant and they have no regards for the laws, so this is whhy I am writting you the CFPB regarding this Matter
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| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
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XXXX XXXX Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX in a phone call this was not my debt or credit card. I was told XXXX would check with XXXX. XXXX later told me in a dispute report that XXXX confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX Credit Bureau. Both XXXX and XXXX down-rated my credit. XXXX XXXX XXXX cancelled my credit card. XXXX XXXX down-rated my availability of credit. Portfolio Recovery Ass., LLC notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. Portfolio Recovery Ass. also informed me that the credit card was charged at a XXXX XXXX XXXX in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. Portfolio Recovery also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to Portfolio Recovery Ass. as I don't know how to do this by computer.
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| 03/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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Communicated via certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX XXXX law office ) provide debt verification and validation proving an alleged debt belongs to me. Portfolio Recovery and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX f/k/a XXXX XXXXy ( Account # XXXX ) belonged to me.
XXXX XXXX XXXX XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased.
Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115.
I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately.
OnXX/XX/XXXX received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
|
| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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I am submitting this complaint against, Portfolio Recovery Associates, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to XXXX XXXX information contained in my credit report as of XX/XX/XXXX : Portfolio Recovery Associates reports on XXXX : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account Portfolio Recovery Associates purchased from XXXX/XXXX. The original account was written off. Below are the basic details of the original account as reported by XXXX. Original Credit card account details : Creditor : XXXX/XXXX. Account Opened : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that Portfolio Recovery Associates, purchased a debt from XXXX/XXXX, which had been established as Charged off. Portfolio Recovery Associates then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX/XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date Portfolio Recovery Associates claims the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as Portfolio Recovery Associates seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX/XXXX, to XXXX.
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| 07/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Services requested documentation of my dispute. I have requested and received documents from XXXX XXXX which are opposite of the documents that Portfolio Recovery Services have provided.
The debt amount owed is not valid and not factual. XXXX has provided documents that has put in to question the accuracy and integrity of the account Portfolio Recovery continues to report on my credit report accurately. On XXXX that shows the account had a XXXX balance, Portfolio Recovery sent a document XXXX that shows a balance of XXXX. Which one is correct?
XXXX also provided me with a letter that says that the account balance was {$540.00} on XXXX with a charge off date of XXXX and the last payment {$0.00} was made on XXXX but Portfolio continues to report a last payment of {$45.00}. How can this be? It's not 100 % factual as required by FCRA XXXX mailed all its to XXXX XXXX XXXX XXXX Ohio XXXX but surprisingly Portfolio Recovery used an address of XXXX XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX? Where did Portfolio Recovery get this address? This was not my address. I believe this document was altered becuase it does not shoe the same addresses but were sent in the same month- If Portfolio Recovery used electronic files purchased from XXXX why did they send this legal form to a different address?
Neither XXXX or Portfolio Recovery has provided me with 100 percent actual and factual information as required by the FCRA and the discrepencies show that this account is not valid and should be removed from my credit file and sent back to XXXX XXXX. If these two companies do not have the same documentation then this information is not verifiable and should be removed
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| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU.
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
The letter you sent was to a address I never lived at before. It was addressed to a California address.
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| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the XXXX data breach and more than likely got in the hands of the wrong person.
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| 11/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Starting with XX/XX/XXXX I have written to Portfolio Recovery SIX TIMES requesting debt validation with absolutely no response. NONE! So in XXXX, I started to track their receipt of my letter by sending it not only by USPS but also by fax. Including today ( XX/XX/XXXX ) that makes 7 months, 7 letters, with 4 confirmations, and they have simply ignored me so the letters sent XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and today I am attaching as proof that they were received. I even reminded them in the letter of all the previous dates and they still ignored me. I wrote to all 3 bureaus during this same time period without a response even when asked how did they verify the debt or to send me a corrected credit report. They don't accept faxes so I can't prove they got it but the postal service generally doesn't fail to do its job ( I'm just saying ). I'm a XXXX XXXX and as an essential worker, I've traveled across this country only to wake up in hotel rooms in cities that sometimes I couldn't remember the name of just to help fight the COVID battle. I'm tired. I'M TIRED! I can't keep up with COVID and I can't keep up with Portfolio. All I want to do is go home ... really go home ... not to the apartment that I rent but to my own home that I'll own and this blatant disregard for me as a consumer and for the law is making that impossible. I've fought for the people of this country on the XXXX XXXX. Now I'm asking the CFPB to fight for me on the consumer/credit battleground and make Portfolio and/or the bureaus delete this account - they have had more than enough time. If they haven't responded it's because they can't respond - it can not be validated. I want to go home ( sobbing ).
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| 01/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XX/XX/XXXX I received a letter from the Superior Court of New Jersey stating that Portfolio Recovery Associates LLC from was suing me for {$2000.00}. I have no clue who this company is.
On XX/XX/XXXX I sent via certified mail with return receipt to Portfolio Recovery Associates and The Superior Court of NJ : I included my answer in response to the law suit, along with a request for the debt to be validated pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ) I asked for them to provide me a copy of my signature on a contract or document that holds me responsible for the alleged debt. As well as asked them to send me proof that they are licensed to collect a debt in my state.
In response to a previous request for validation, I received a letter dated XX/XX/XXXX In which Portfolio Recovery sent a letter from XXXX XXXX saying the above debt had been sold to Portfolio Recovery Associates on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX which was a bill. Most recently on XX/XX/XXXX I received the same letter from Portfolio Recovery which included the letter from XXXX XXXX saying that the debt had been sold to Portfolio Recovery AssociateXXXX on XX/XX/XXXX. They did not provide a contract with my signature or anything else requested above.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts that they are trying to collect on or post on a credit report. They have not shown any proof and this is why I am filing a complaint against them for failing to follow the law.
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| 04/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I just need to have this removed Please To whom it may concern ; Portfolio Recovery has not been able by the legal standard of the FCRA provide me with the required documentation. Please be advised this a violation of FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to Ive asked Portfolio Recovery to please stop supplying unverifable info to my credit report ans to promptly have deleted all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the removal immediately. Thank you for your prompt assistance in this matter.
Portfolio Recovery Acct XXXX The collection agency has supplied me with some documents that have been enclosed in this letter. If I am correct and I know I am this does not meet the legal requirements as per the FCRA. I have also filed a complaint with FCRB, FTC and the better business bureau regarding this matter. Regarding Portfolio Recovery and XXXX. I am a single mother of XXXX trying to get this rectified.
Sincerely
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| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Months ago I've paid debts on my credit report to Portfolio RC Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. Portfolio then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes Portfolio RC did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.
am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request.
I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations.
Sincerely XXXX XXXX
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| 11/25/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PORTFOLIO RECOVERY IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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| 12/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
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| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PORTFOLIO RECOVERY ASSOCIATES ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PORTFOLIO RECOVERY ASSOCIATES ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
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| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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To the CFPB I lost my income in XXXX since then I never regain any employment at all. in that situation, I could not afford to pay all my credit card bills we only rely on my husband XXXX XXXXXXXX payment. that's why I decided to enroll in the debt settlement program the problem is, I was scammed by the agency and did not settle all the debt. one credit card was left behind never settle at all. and the problem I don't have money to pay them, this is the only money left in the Bank. my savings account is {$0.00}, my checking is only {$24.00} the most painful and stressor is the collection agency that added up to our problem is Portfolio Recovery Associates LLC and XXXX XXXX. that's why I want to file a complaint against XXXX XXXX and Portfolio Recovery Associates llc for their joint effort of Harassment and continued collection and illegal activity. XXXX XXXX and portfolio recovery keep sending collection letter and some with harassment to file a lawsuit and adding to our stress and anxiety and even phone calls I will be exposing their phone numbers they are using to call our cell phone every time they call I saved the numbers to our phone that's why I have it and its verified by me by calling them back I will be attaching all the collection letter that they sent me and also here are some telephone numbers they used to call our phone # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX all this number called my cell phone and the CFPB can verify its accuracy. Please kindly solve this matter thank you
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| 08/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process.
Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by Portfolio Recovery Associates , LLC raises legal concerns about its validity.
I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, Portfolio Recovery Associates , LLC may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.
I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.
2. Proof of the legal transfer of this debt and ownership for collection.
3. A copy of the agreement or contract related to this debt.
Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel.
Account Number : # XXXX & # XXXX Sincerely, XXXX XXXX
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| 10/23/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.
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| 11/15/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters. I have already filed a complaint on Portfolio Recovery Associates, LLC with CFPB .The complaint number is XXXX which Portfolio Recovery Associates XXXX LLC resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX
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| 11/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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In XX/XX/XXXX I received a letter to appear in XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by Portfolio Recovery Services., LLC ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX.
Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the Portfolio that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed.
I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX XXXX XXXX XXXX. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX.
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled.
I received no notice to appear in Superior Court to dispute the debt.
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX.
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.
This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).
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| 07/31/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ).
This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.
I will explore all legal options if this item is not removed with 15 days of receipt of this complaint.
I was XXXX in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX.
My address during my XXXX was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX.
I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.
Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.
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| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TO, PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX VA, XXXX PH:XXXX To Whom It May Concern, I am reaching out again because the unverified item listed below was removed from my credit file XX/XX/XXXX but XX/XX/XXXX shows on my credit file again, this is in violation of Federal Law.
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately.
I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). 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. '' I hate to bring the law into this but I need my information to be reporting correctly on my report, it is my right.
Account Name : Portfolio Recovery.
Account XXXX Open XXXX XXXX Errors Found : Portfolio Recovery, did not have any financial obligation with, And original Creditor : XXXX Online bank , I have never Been SEEN in my life this Account, and i have never been open any account XX/XX/XXXX. XXXX Please Remove that Account from my credit file Thank you,
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| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting.
To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights.
Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!
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| 10/11/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates ( " PRA '' ) is collecting on a debt allegedly owed to XXXX. On or about XXXX XXXX, 2015, I disputed this account with all XXXX credit reporting agencies and with PRA and requested validation of the debt. Immediately, the debt was verified with the credit reporting agencies. About two weeks later, I received mail from PRA with a cover letter indicating they had " verified '' the debt.
Included with PRA 's letter were XXXX non-consecutive statements from XXXX XXXX, none of which provided any indication of how the balance on my secured card with a credit limit of {$700.00} rose to nearly {$2000.00} in a relatively short amount of time. After applying the security deposit to the alleged balance, PRA is attempting to collect {$1200.00}, an amount nearly XXXX the account credit limit. Nothing in the XXXX statements I was sent provide any indication as to where this balance came from.
In the meantime, I have sent PRA subsequent correspondence to which I have received no reply. They do, however, continue to report a monthly 'charge-off ' to the XXXX credit bureaus, making sure they do the maximum possible to completely ruin my credit score. I would note that a Missouri jury recently ( XXXX, 2015 ) ordered PRA to pay over {$83.00} XXXX in damages to a woman whose credit they ruined without any concern. I have no problem paying my debts but it would seem to me that if they applied my security deposit and closed my account, my balance should be settled. To apply my deposit AND claim I owe an additional {$1200.00} is outrageous, and to ruin my credit monthly because I want to know the nature of how this was calculated is truly unfair.
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| 03/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.
Fraud has been committed on my consumer report, which violates the Fair Credit Reporting Act ( F.C.R.A ) and Fair Debt Collection Practices Act ( F.D.C.P.A ). Portfolio Recovery Assoc. is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.
This notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) Section 809 ( B ).
THIS IS A REQUEST FOR THE ACTUAL ACCOUNTING : REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.CXXXXC 9-210.
This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.
I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Portfolio Recovery Assoc..
Please be advised that providing a memorandum or other statement from your agency, stating that Portfolio Recovery Assoc. has the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
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| 08/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX.
I dispute the facts of this acccount- I do not owe the amount listed on this account.
Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records
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| 04/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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During pandemic, since we were in a state of Emergency in XX/XX/XXXX this collections company XXXX XXXX called 2 or 3 times daily to pay a debt. I know in state of Emergency periods, they were not supposed to contact me, During those periods, I am not required to pay any outstanding debts, I'm supposed to be worrying about the Emergency. They are a company that Is in California. They want to take on debts of those not residing in their state, then they should know Federal, and Every States Laws pertaining to their business and interaction with those they are contacting. Worst of all, each day, I would be called by 1 phone number, either all 2 or 3 calls that 1 day, is the only time those numbers will be on my caller ID. Each day, they would call from a new number, or each day I would receive 3 calls, all 3 a different number, never repeating. But it was always an XXXX XXXX recording telling me of my debt and payment is expected. I emailed them 1 time telling them they are breaking the law. The president declared the country in a state of emergency, they need to stop calling me until it is lifted. They must of not read it, because they continued with the same daily calls.
Fast Forward, state of emergency Is over, sometime XXXX XXXX. Time passes. I get a letter in the mail in XX/XX/XXXX, saying My debt for which they have attempted to collect can no longer inquire about repayment and no one should inquire about me doing so.it is against the law.
Recently in XXXX they sent me the same letter. XXXX XXXX sent me this letter.yet XXXX XXXX keeps calling me to pay it anyway. This is current up to XX/XX/XXXX. Its payment for an outdated XXXX ACCOUNT {$980.00}.
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| 03/18/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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A previously deleted account, Portfolio Recoveries collection, was re-reported on my credit report on XX/XX/2019. This has tied me up for a mortgage loan. It showed up last minute when we were supposed to close on the loan. I did not receive any previous notification in the mail that this account was going to re-report and did not receive a chance to request validation on this account. The law says that I need to receive a notification 30 days before it reports for the 1st time and I need to receive a notification within 5 days of re-reporting. I received neither notification.
When I call Portfolio Recoveries, I explain the specific law that they are supposed to follow and none of the people on the phone know what I'm talking about. I was transferred to 5 different reps over 2 hours on the phone with this company.
The first rep read me a statement about how this debt was past the state statute of limitations and I wasn't able to be sued unless I made a payment or admitted to the debt. I did not make a payment or admit the debt, but when I was transferred to the 2nd rep, they told me that I needed to make payment arrangements today or I could be sued over this debt. So one rep says I can't be sued, then the next rep threatens me with a lawsuit if I don't pay.
What they did was try to trick me to make a payment so that I wouldn't be sued, but making a payment would actually allow them to sue me. This is extremely illegal and misleading.
This debt was previously deleted from my credit report because it wasn't able to be validated. It's now reporting past the state and federal statute of limitations because the debt collection agency re-aged the debt.
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| 08/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates acquired a credit card debt I owed to XXXX XXXX XXXX in the amount of {$2300.00}. I hired the services of XXXX XXXX XXXX to help me with my credit card debt. XXXX XXXX reached a settlement agreement with the XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/2019, who represented Portfolio Recovery Associates. The agreement required me to pay Portfolio Recovery Associates the amount of {$1600.00} to settle the debt by XX/XX/2019. XXXX XXXX XXXX, submitted the payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my behalf, as per the terms of the agreement. On XX/XX/2019, The XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued the XXXX Balance Letter after receipt of payment of the settled amount. Nevertheless, and despite the amount being settled and paid as agreed, Portfolio Recovery Associates has continued reporting to the credit bureaus that I have a pending balance of {$740.00}. I attempted to resolve the issue with Portfolio Recovery Associates over the phone and was told that I had to pay the remaining balance regardless of the settlement agreement. I have filed disputes with ALL 3 credit bureaus to no avail. This is now an issue because I am applying to practice law in the State of Florida and this inaccurate report on my credit is affecting my licensing process negatively. Furthermore, Portfolio Recovery Associates has misreported this debt for almost a year which has also affected my ability to secure credit for other purposes. Their predatory tactics and unscrupulous business practices make it impossible for clients like me to resolve their issues, and when attempting to discuss the issue with them, they are rude and disrespectful.
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| 03/12/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon review of my credit reports with XXXX XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/2020 ) with the three credit bureaus. XXXX deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account.
Portfolio Recovery Associates, LLC then contacted me via mail on XX/XX/2020, claiming that they had completed their investigation and determined the debt to be valid, attaching only a billing statement as proof. I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/2020, asking them to validate this debt with viable evidence bearing my signature, and they have failed to do so.
Their subsequent responses have included, again, billing/account statements, and most recently, a copy of a document with a signature on it. However, I have never seen this document before, and can not determine 100 % whether or not it is authentic or if it contains my signature. It seems that Portfolio Recovery Associates, LLC is trying to take advantage of consumers ignorance by trying to collect and report debts to credit bureaus that they have no legal right to collect, let alone report.
I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request the removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
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| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX.
This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not.
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC
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| 10/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), Portfolio Recovery Agency ( PRA ) added a derogatory mark on my credit reports per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as requested on XX/XX/XXXX as well as XX/XX/XXXX ( attached ). Also there was no written form of communication, contract or signature for this accused debt at all. A copy of a bill without a signed signature does not validate the debt, anyone can make a copy and send a bill claiming it's mine. In CFPB v Portfolio Recovery Agency file no # XXXX according to the findings specifically 28. PRA is aware that significant inaccuracies may exist in the Sale Files it purchases, including that some debts balances were not reduced by a consumer 's subsequent payments 31. Some of PRA 's purchase agreements put limitations on the availability of account-level documents, thus putting PRA on notice that it may not be able to access account-level documentation on all accounts purchased that would enable it to perform proper due diligence. 36. PRA did not alter its collection practices when collecting on portfolios that it knew or should have known contained unreliable information. 33. PRA did not monitor its portfolios of debts for accuracy. Yet PRA has continued for years to damage my credit with inaccurate and unverified information and deprived me of my rights to validate the derogatory information. According to FCRA, Portfolio Recovery Agency ( PRA ), had violated my rights as a consumer and I'm requesting legal action to remove this account from all three bureaus immediately.
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| 01/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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In accordance with the Fair Credit Reporting Act Portfolio recovery associates has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX. Portfolio Recovery has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then Portfolio Recovery changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX Portfolio has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt.
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated XXXX party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving XXXX party, disclose such information to any other person that is a nonaffiliated XXXX party of both the financial institution and such receiving XXXX party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
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| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had two XXXX XXXX credit cards prior to XXXX ; between XXXX and XXXX throughout my divorce and adjusting to it, I became delinquent on the credit accounts that were not necessity as I also became a single mother. I did try to work with XXXX XXXX, but my hardships were not cared for through the protection I elected at the beginning of the agreement. However, portfolio recovery is the debt buyer who ultimately obtained both XXXX XXXX accounts in XXXX and XXXX. I am currently showing 3 portfolio recovery accounts, this company has never provided the verification of the debts owed - as well as it appears they are double reporting one of the XXXX XXXX debts. When one of the balances were originally placed the balance was approximately {$600.00}, currently they are reporting one as XXXX XXXX XXXX, XXXX. being the original creditor, and the other two as XXXX XXXX being the original creditor. But significantly impacting my credit with double hitting my credit since XXXX. I would like this investigated. They are furnishing incorrect data to the credit bureau and I really would not have known if I did not spend quite some time researching the internet high and low to figure out what XXXX XXXX XXXX XXXX. was ; let alone the fact that this institution no longer exists, yet they are attempting to collect the balance twice because of the bank name change between XXXX and XXXX XXXX. This harms my ability as a single mother to obtain the credit I need if needed, but most importantly is a negative impact to my credit score preventing me from qualifying for a home loan to buy a house for my son and I, in which I have no financial help of any kind in raising.
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| 02/06/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a call from Portfolio Recovery Associated stating I owed money for an old XXXX Credit card. I stated that I was n't aware of owing any money on a account and please send documentation to prove the amount. On XX/XX/2017 I received a XXXX page document which included a letter from the company stating I owed money a credit card statement that showed I owed {$0.00}. The same day I called into the company and explained the agent what I had received in the mail and proved that nothing was owed per the bill they sent. She then insisted that a XXXX page document was n't sent but a XXXX page document. After almost an hour of telling the agent they didnt send me XXXX pages and her telling me in a round about way I was lieing hung up on me. I then called back in an spoke to another agent who confirmed there was no XXXX page document sent and saw the XXXX page document and agreed that it did n't not prove there was money owed but saw other documents that did show it. I explained if they didst send me what she was talking about how do I validate it is true. She agreed and said she would put the account in dispute, but could n't delete it from my credit report. Per the fair debt collection law the agency has 30 days to prove the debt is valid and has clearly not done so. They also clearly lied on what they claim they sent which would be another violation. The agent then transferred me to a manger who stated by sending me the invoice that showed a balance of {$0.00} was good enough to validate the debt. I asked her over and over again how showing me a bill with a {$0.00} balance is any proof of that over {$600.00} is owed and she could n't answer that.
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| 09/12/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) 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.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you, XXXX XXXX XXXX
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| 08/31/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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My first name is different than the one Portfolio Recovery is using in a wrongful collection action. Six years ago, on XX/XX/XXXX I sent Portfolio Recovery a letter stating that I had never had an account with XXXX XXXX, that I was not the debtor and ordered them to cease collection efforts.
Now, again, on XX/XX/XXXX Portfolio appears to be attempting to collect a false debt with XXXX XXXX again, and the same wrong name. And on XX/XX/XXXXthey followed up with a letter offering payment options, as if they were offering a layaway plan, instead of collecting from an innocent consumer. This wrongfulXX/XX/XXXXclaim is for {$690.00}. By the way they also make the absurd assertion that if I do n't go out of my own way to contact them within 30 days, then they 'll " assume the debt is valid. '' Why is it my responsibility to contact PRA because their sloppy collection efforts have threatened my credit record? I urge that the CFPB investigate PRA 's failure to comply with the standards of the FDCPA.
I will send them another " No, I am not the consumer you seek, it is n't me, I never had an account with that bank and stop your collection efforts '' letter, but I thought that the CFPB should know. It is unfortunate that consumers have to defend themselves against a company with such very low accuracy and verification standards.
BTW, they also came after me inXX/XX/XXXX for a debt with XXXX, another bank I 've never had an account with. They 'd purchased that alleged debt from another debt buyer, XXXX. Portfolio Recovery is a maddening company to deal with. How many consumers who are wrongly and falsely chased simply end up paying them to get them to go away?
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| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I have disputed a few debt collections bought by Portfolio Recovery. I have attempted many times for them to prove that there has been payments made to two of said debts. There are reporting one bought debt at 3 % off of debt and another at 5 % off. I have never made payments to this company or org company after the account was close. After many attempts to have them verify all the accounts they hold in my name, they never send the documents or details that is required by my state to rec. I always just get huge prints out of nothing but incorrect info and no documents to show proof of payments that is being reported. Also they have scared me into hiding my identify to stop sending sheriffs to my home or business. I have reems of paper they have repeatedly send same information and cost me money to keep sending them back letters to get proff. They even harassed me and scared me enough to take me to court and all the times the judge would dismiss with prejudice. Even after their attempts to sue me over these, they continue to make me scared to answer my door or give out my phone number for the harassment and sent more sheriffs looking for me. One of the summons even was failed to deliver after three attempts to scare me more and send me to court again, this one had to be dismiss my the town clerk I think they are still reporting the three judgments that judge dismissed and they are still reporting that I made payments. With no such proof of payments to them. I cant send you documents have the papers I have saved over the years for the many repeat info that is never showing or proving everything my state has for them to correctly continue to report.
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| 01/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On XX/XX/XXXX while reviewing my credit report I discovered on my XXXX report that Portfolio Recovery Collections services reported to the credit bureau as of XX/XX/XXXX there is an outstanding XXXX XXXX Balance in the amount of XXXX.
On XX/XX/XXXX I reached out to Portfolio Recovery and spoke with a representative by the name of XXXX. According to this representative she said on XX/XX/XXXX an credit account with XXXX XXXX was opened however in XXXX XXXX the account was closed.
I advised this representative that I did not have any open accounts with XXXX XXXX back in XXXX and that this was fraud - nor did I ever receive any correspondence from this debt collection agency to have this matter investigated and appropriately addressed. On or about XX/XX/XXXX I opened a credit line with XXXX XXXX and then I opened a second account with this same company in XX/XX/XXXX. In XX/XX/XXXX I no longer utilized XXXX XXXX services and had both accounts closed with no remaining balance - this company also followed up with me and sent me two letters in the mail acknowledging that both account were successfully closed with no additional outstanding balances.
According to the representative ( XXXX ) at Portfolio Recovery after informing her that this debt collection was a result of identity theft / fraud she would on my behalf submit a dispute to the credit bureau and have it submitted as ( fraud / identity theft. I was then advised again by XXXX that she would be sending me a fraud package in the mail to complete so an active investigation could be conducted.
I am submitting this claim to the best of my ability that the information enclosed is accurate.
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| 10/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I filed for Bankruptcy in XX/XX/XXXX I converted my Chapter XXXX case to a Chapter XXXX and I filed a motion to dismiss my BK case and it was approved. I have never had an account with XXXX XXXX XXXX XXXX nor have I ever heard on this company. Portfolio Recovery is trying to collect money from me on this account. They put a collection activity on my credit report with the date of XX/XX/XXXX when clearly at this time I was in Active Bankruptcy which means under Title XXXX of the U.S. Bankruptcy code they are in violation because the Trustee for my case made payments to all of my creditors and this company was not listed as my creditor. They bought this account from a lender to try to get the debtor to pay when I live in the State of Maryland and the STATUTE OF LIMITATIONS has expired to collect on this debt. I contacted them and told them this and they changed the date to XX/XX/XXXX I had no luck disputing this with the credit bureau. I want this collection removed from my credit report because it's illegal for them to try to collect on an expired debt this is the 4th collector that I have told this too and this company decided to place this collection on my credit report I want it removed from all 3 of my reports. Collection Agencies should not be allowed to treat any body in this way. I have documentation to prove on XX/XX/XXXX my attorney had already filed a motion to start my Bankruptcy proceedings and no collection activity was in effect when you file Bankruptcy they are not allowed to call you or try to collect on a debt when you are in an active Bankruptcy case which I was. I am hopeful that you will assist me with this urgent request.
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| 02/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled.
Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests.
*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account.
If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ).
Thank you for resolving this account.
Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XX/XX/XXXX I sent my first dispute letters to all three bureaus ( XXXX, XXXX, and XXXX ) requesting validation/ verification for the following two Portfolio Recovery accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report.
Following my dispute letters XXXX removed the two accounts from my credit report. XXXX and XXXX continued to report inaccurate information.
XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived.
I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation ( exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above.
Portfolio Recovery Associates is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore XXXX, XXXX, and XXXX are liable for violating FCRA 15 usc XXXX.
I have never received communication from Portfolio Recovery Associates stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc XXXX
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| 04/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ).
After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ).
XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report.
To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint.
Thank you for your assistance in advance.
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| 08/19/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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XXXX Bank sold my charged off acct to Portfolio Recovery Assocs. Portfolio Assocs ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and Portfolio will only reply with the same XXXX inaccurate statements that they received from XXXX. There is a court order against XXXX and XXXX was to apply credits to qualified XXXX acct holders accounts. XXXX spun off from XXXX and acquired many accounts of which XXXX was to apply the deductions. XXXX DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified XXXX Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against XXXX XXXX XXXX unless I called Portfolio Recovery Associates. How? XXXX has the account information. Portfolio only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by Portfolio Recovery Assocs. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under Portfolio 's attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.
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| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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PRA PORTFOLIO IS FALSELY REPORTING INFORMATION FROM XXXX XXXX. THEY ARE REAGEING MY ACCOUNT. I HAVE SUBMITTED THE INFORMATION FROM XXXX XXXX. THERE ARE PORPOSELY ADMITTING INFORMATION AND DEFRAUDING ME AND LYING TO THIS GOVERNMENT ORGANIZATION.
Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score.
Do not ignore any evidence of account re-aging.
Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.
A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
THEY HAVE REAGED MY ACCOUNT DATES TO 2019
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| 08/04/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago. This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints.
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.
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| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Called XX/XX/XXXX ( Portfolio Recovery Associates ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided XXXX names of attorney 's along with their state bar license numbers.
I never had any contractual obligation with Portfolio Recovery Associates, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe Portfolio Recovery Associates to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).
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| 04/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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- In XX/XX/2019 I spent over an hour on the phone with representatives from Portfolio Recovery Services where upon we agreed upon a settlement amount for an Account they purchased from XXXX XXXX. ( I would like to have a copy of our recorded Conversation submitted into the evidence of this complaint. ) -The Amount agreed upon was {$700.00}. I paid the same day during the same phone call. Bank Records showing the payment was made is Attached.
-Since I was in the process of buying a house I needed proof that this debt was settled for my underwriter. On XX/XX/2019 I was issued a letter from XXXX XXXX Portfolio Recovery Services stating the terms of the settlement including the words " within approximately 30 days of the final payment successfully posting, our company will request the three major credit reporting agencies delete our companys tradeline related to your account from your credit '' A copy of this letter is attached. The Payment was posted the day of the initial conversation.
- Since the payment has taken place, I have constantly been harassed via phone and by mail demanding I pay the remaining balance on the account that was settled in XXXX. I contacted the Credit Reporting Agencies to remove this settled debt from my Report and I was sent another letter ( which I attached a picture of ) one of the letters that his been sent showing they " verified '' the debt. They are actively pursuing a settled debt.
-I have spoken to two managers and several associates of Portfolio Recovery and they each claim they are going to stop the calls. The account is still reporting on my credit report and negatively impacting my credit score.
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| 07/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent Validation of debt letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/22 which they received on XX/XX/22. In the letter i asked for a number a verifiable documents that would prove that their company was authorized to collect this alleged debt as well as a signed contract between me and the original creditor and a signed agreement between me and PORTFOLIO RECOVERY ASSOCIATES which grants them authorization to collect this alleged debt. They have not provided that information. I also stated that if any of my verification requests were not completed entirely, they their claim and or response would not be accepted. They did NOT sufficiently validate this debt.Their company responded with statements that had balances that did not match the amount they are collecting. Also, in their initial response they had a statement that read : " THIS IS A COMMUNICATION FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT '' which is illegal according to 12 CFR 1006.18 ( E ). The original amount they are collecting is {$1100.00} but the amounts on the statements are {$1300.00} and {$1300.00}. They are in violation of a number of laws according to the FDCPA.
VIOLATIONS 12 CFR 1006.34 ( C ) ( 2 ) ( VII ) - NO ITEMIZED DATE PROVIDED 12 CFR 1006.34 ( C ) ( 2 ) ( VIII ) - AN ITEMIZATION OF THE CURRENT AMOUNT OF THE DEBT REFLECTING INTEREST, FEES, PAYMENTS, AND CREDITS SINCE ITEMIZATION DATE.
12 CFR 1006.34 ( C ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUNT CONSUMER PROTECTIONS 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR 1006.34 ( D ) ( 1 ) FORM OF VALIDATION DISCLOSURE 12 CFR 1006.18 ( E ) DISCLOSURE REQUIRED
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| 01/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 08/04/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Before I knew anything about a doctor bill, I received an advertisement in the mail at my new address from a firm letting me know I was being sued and theyd like to represent me. I was later served after replying to portfolio recovery asking for validation of the alleged debt which I never received! When I first showed up for court in XXXX I had a verbal agreement with another of portfolio recoverys attorneys to get a statement from defacs proving coverage and the case would be dismissed. However it was continued and when I went into court most recently on XX/XX/2023 with my proof. It was a different attorney for portfolio recovery and my proof was not taken. This deprived me of my right to a fair and just trial because I was told something else therefore I didnt have time to prepare to defend myself. I showed my proof and even proof where apparently portfolio recovery doesnt own it anymore! Its now owned by XXXX XXXX XXXX and has been since I received the first statement through my email in XXXXXXXX XXXX XXXXXXXX which is before portfolio sued me for a debt they no longer own! Didnt have to show proof or anything per the FDCPA and ruled against me and got a judgement anyway! Along with writing the wrong case number and amending my judgement which is labeled default judgment even though it was not in fact a default judgement because I did file an answer and I did show up. Now theres a judgment against me because somehow portfolio recovery can sue consumers without having any proof whatsoever and without even owning the debt themselves! If you need any information from me to properly investigate these claims, please email or call me!
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| 08/11/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.
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| 04/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent a request for debt validation to the creditor, portfolio Recovery on XX/XX/XXXX. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. Portfolio Recovery has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, XXXX and XXXX Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 03/07/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX.
In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application.
All statements/invoices ( from opening date to account closure ).
All payment/charge slips.
Delivery addresses associated with the account.
Any other documents and/or investigations associated with the account.
To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX
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| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. XXXX Account Number : XXXX Please remove it from my credit report.
11. XXXX XXXX CO Account Number : XXXX Please remove it from my credit report.
12. XXXX Account Number : XXXX Please remove it from my credit report.
13. XXXX Account Number : XXXX Please remove it from my credit report.
14. XXXX Account Number : XXXX Please remove it from my credit report.
15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. PORTFOLIO RC Account Number : XXXX
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| 08/13/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Portfolio Recovery Assoc, LLC by sketchy practices is attempting to collect a debt w/out providing me or the courts the proper credentials to show that they have the right to collect a {$2100.00} amt from me. After some communications by phone to get info from me, they insisted I pay them {$2100.00}. I never heard of this company and after their threats I insisted they were not to reach me again. The harrassment continued and even disgusting things were said of my character. Thats when I knew they were a joke of a company.
A few months later PRA, LLC has me summons to answer their incomplete case to the XXXX Judicial circuit courts. They are attempting to get a judgement against me. From what Im understanding is that I may not have responded in time to have their motion for summary judgement dismissed. Ive also petitioned for a hearing.
There are a number of violations to my rights as it pertains to the Fair debt coll laws. Tactics taken. Threats to my credit. No written notifications. No proof they own a debt I owe. Maliciously taking me to court.
My appeal will be handled by my soon to be hired attorney.
Who are these people and how do they own this debt and why would they think I would pay them anything?
Im sure our phone calls were recorded on their part. So they say. I cant wait till you hear what was said to me.
Giving this complaint to PRA doesnt sound as if they will even be investigated by you.
Im hearing this agency has no authority to enforce rules. Will you please pass this complaint onto the authorities that can really investigate wrong doing. Get their tapes and youve got em. They recorded our conversations.
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| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.
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| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I recently reviewed a copy of my consumer report and noticed Portfolio Recovery Associates ( PRA ) is furnishing negative and derogatory information.
I have communicated to PRA multiple times to cease and desist use of my identifying information and any other personal information PRA may have on file or record about me PRA has failed to comply.
I did not give PRA written and direct authorization to possess, use, transfer or sale my identifying information and upon becoming aware PRA obtained my personal information I advised PRA to immediately cease and desist use of my identifying and any other personal information.
I also advised PRA to cease and desist infringing on my right to privacy and that any further attempts to invade my privacy will not be tolerated and PRA has failed to comply.
I have no contractual obligation or agreement to pay any money or its equivalent to PRA. PRA is attempting to unlawfully collect a debt from me and violating my rights as a consumer.
PRA 's conduct is causing direct harm to my character, credit worthiness and general reputation.
Any further attempts by PRA to violate my rights as a consumer will not be tolerated and by sending this notice, I do not waive any rights to take action against PRA for past or future violations of the law.
Any computer generated or unsigned responses will not be tolerated.
A third party, legal counsel and/or attorney in fact was not used in the making of this complaint.
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true. Executed 6-2-2022 B : C-E All inalienable rights reserved. Without Recourse
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| 01/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have sent communications to Portfolio Recovery Associates starting XX/XX/2020 seeking validation for an item XXXX XXXX XXXX XXXX XXXX placed on my credit report. To date, they've not satisfied the validation requests that has been made by me. I reached out to the three credit reporting bureaus as well informing them this collection has not been validated to me and if it has been validated with the credit bureaus, at this point someone should send me the validation. I also let the credit reporting bureaus as well as the creditor know the FTC opinion letter from Attorney XXXX XXXX XXXX points out that a printout of a bill or itemized document does not constitute verification.
The creditor has yet to send any sort of validation as well as ignored my request for proof that they are legally able to practice business in my state. I strongly feel the above listed company is in violation of FCR by placing derogatory items on my report and responding with the validation information requested within 45 days. I also feel like the remaining credit bureaus are also in violation by not removing the derogatory information after failed validation attempts. With that said, I have the receipts from the certified copies sent as well as copies of all communications sent including the help I solicited through the XXXX. At this point, I want to file an identity theft complaint against Portfolio Recovery and a defamation of character complaint against the remaining credit bureaus for not removing the derogatory information until the validation request has been satisfied. Please let me know if you need the paper trail and I will gladly move forward.
|
| 07/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Hello, I received a letter from Portfolio Recovery Associates, LLC on XX/XX/XXXX for my XXXX XXXX account. It claims that I owe a debit collection agency {$3200.00} for my XXXX XXXX card.
Last year, I paid off this XXXX XXXX card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX statement.
I contacted XXXX XXXX and told them of the mistake. I asked that one of the payments be put towards paying off the XXXX XXXX balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX statement.
Now, the XXXX XXXX card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue.
Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score, since the account has been paid off for a full calendar year.
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I notice this company via mail. I was never noticed my mail from PORTFOLIO RECOVERY who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that was sold this alleged debt?. I deny any and all affiliation between XXXX XXXX and PORTFOLIO RECOVERYCopy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX autograph? Any documentation given by PORTFOLIO RECOVERYauthority to report on XXXX XXXX 's consumer credit reports. I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
|
| 11/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
|
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX home XXXX mobile Account : Portfolio Recovery Associates, LLC # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Seller : XXXX XXXX XXXX XXXX In XX/XX/XXXX, I made arrangement for a debt that I originally owed to XXXX XXXX which was sold to Portfolio Recovery. To pay off this debt, I spoke to a representative at Portfolio Recovery, legal department. My arrangements were as follows : {$200.00} initial payment following {$100.00} each month ( XXXX day of each month ) and the last payment of {$65.00} due XX/XX/XXXX.
The original amount due was {$2000.00}, Portfolio Recovery settlement in the amount of {$1400.00} plus {$200.00} court total due of {$1600.00}. I initially paid {$200.00} when I made these arrangements and {$100.00} would be due every month beginning XX/XX/XXXX until XX/XX/XXXX, and the last payment would be {$65.00} on XX/XX/XXXX. I have paid each payment until XX/XX/XXXX. My total remaining due is {$860.00}.
To date I owe Portfolio Recovery {$860.00} which I verified today ( XX/XX/XXXX ) by calling them. On my credit report, all three agencies, it states that as of XX/XX/XXXX I owe {$1300.00}. I have called Portfolio Recovery numerous times. After, many, many, many calls, no action has been taken by Portfolio Recovery to correct the amount that I presently owe, {$860.00}. I have verified each month and complained about this error but they do nothing to correct the amount due with the credit agencies. ( XXXX, XXXX, XXXX ).
This seems to be against the law to not report the correct amount due on all 3 credit agencies. This continues to tarnish my credit.
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ) of the FDCPA.
It clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy Not only did Portfolio Recovery Associated contact me against my wishes via mail after I sent them a cease and desist in writing, their communication was outside of the 3 things that are allowed via the law after they receive such notification from a consumer. They are also still communicating with me INDIRECTLY through a MEDIUM ( my consumer report ) - which the CFPB states on their website is OPTIONAL.
Reference the definition of " communication '' pursuant to 15 USC 1692a : the term " communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
They are clearly in violation of the law ( FDCPA ). They are harrassing and oppressing me by continuing to contact me against my wishes as a protected consumer.
Attached you will see that I sent my cease and desist on XX/XX/2021 and they contacted me on XX/XX/2021.
|
| 04/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have sent a " validation letter '' to XXXX XXXX XXXX XXXX in XX/XX/XXXX via certified mail and got a response on XX/XX/XXXX. PRA, LLC has responded with copy of a bill in which does not meet Federal Trade Comissions guidelines of what constitutes proper debt validation. So I sent a second letter of " validation '' on XX/XX/XXXX via certified mail and was received on XX/XX/XXXX and received a response on XX/XX/XXXX. From countless hours of research I have found that an original contract with my signature constitutes " validation '' and one was not provided to me as requested. In their second letter response and I quote " Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) of the Fair Credit Reporting Act.
If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers the matter closed. '' I am simply requesting XXXX XXXX XXXX XXXX to " validate '' their claim by sending me a copy of the original contract with my signature and I will pay the debt in full. I am trying to take care of old debts so I can start new path for me and my children 's future.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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Dear CFPB, I am contacting you all, because I do not own the XXXX XXXX XXXX account that was taken over by Portfolio Recovery. I have been having issues disputing this matter. I decided to contact Portfolio Recovery directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. The final bill does not give me clear proof without original beginning documents. I would like to know where the card was sent & payment history.
I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so.
The document that I received from Portfolio Recovery on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent.
After speaking to XXXX Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in XXXX business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep.
Best Regards, XXXX P XXXX
|
| 02/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
|
| 07/31/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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I had received a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX? ) representing Portfolio Recovery Associates, LLC regarding a XXXX XXXX XXXX . The letter states they are attorneys. Yet online no listing in the XXXX XXXX XXXX nor Wisconsin Bar ; the letter states that they work out of XXXX, WI. The only time a debt collector needs to hire attorneys is to protect the firm against the Unfair Debt Collection Act and other regulatory complaint. The firm is asking me to pay an additional {$120.00} to take the case. It is Portfolio Recovery Associates that hired them not I. Again, Debt Collection agencies only hire law firms if the Debt Collector has broken the law or are knowingly engaged in illegal or unethical practices. The law firm in question has several illegal and unethical outstanding complaints. I believe there is collusion on both companies and would like my debt handle by another firm not has no association with the law firm or this debt collector. The phone number for the law firm is XXXX Portfolio Recovery 's phone number is XXXX I believe that after investigation of this matter that the fake law firm should be fined to the point that they must file bankruptcy. Also, Portfolio Recovery should be monitored more closely as their workers do n't sound licensed or that it is current. Portfolio Recovery Associates is aware that XXXX, ect. Is not a real law firm. Anyone that is an actual lawyer that collects debts works on high end side like yacht and jet loans recovery. Not my account. A simple debt collector just needs a high school diploma, pass a background check and pass regulatory testing.
|
| 06/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Portfolio has not provided proof of the alleged debt nor a contact bearing my signature on the original contract of agreement with this company. I do not owe any debts to this company. This company is reporting inaccurate and unverifiable information to the credit bureaus with account number XXXX, XX/XX/2016. for {$930.00}. i have investigated recent history on this erroneous company which proves this debt collection company to report and collect on inaccurate debts. I am demanding Portfolio to stop all collection attempts and delete this erroneous debt from my credit report immediately or i will have to take legal action.
Portfolio Recovery Associates illegally attempted to collect debt that they knew, or should have known, may have been inaccurate or unenforceable. Specifically, the CFPB found that the companies : Attempted to collect on unsubstantiated or inaccurate debt : Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.
|
| 05/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a continue of your case # XXXX- PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on 05/08/2018- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX Ca XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted XXXX invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed XXXX : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XX/XX/XXXX to XXXX let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XX/XX/XXXX and XX/XX/XXXX none were XXXX : PORTFOLIO RECOVERY ASSOC has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
|
| 12/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Despite 5 or more written request, this debt collector business has failed to verify correctly items listed in my credit report and still remain. Under the FCRA, they need to have a copy of the original creditor 's documentation to verify the information is mine and is correct. They have not provided a copy of ANY original documentation, a consumer contract with my signature on it as required under SECTION 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They continue to violate my right to know their method of verification as required under section ( a ) ( 7 ) of FCRA. 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 and 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. ***As per FTC opinion letter from Attorney XXXX XXXX XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification. *** This debt collecting company has violated The Fair Debt Collection Practices Act, including but not limited to Section 807-8 and Section 623-b.
They claim I owe {$1600.00}.
I have proof of certified mail as I maintained careful communication and they continue to be non-compliance of Federal laws under The Fair Debt Collection Practices Act, The Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that this debt collecting business is liable for willful non-compliance.
|
| 08/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
Hi and Thank You!
First when XXXX called me from Portfolio Recovery she said this conversation will be recorded and I approved it so they have a recording of what transpired on XXXX XXXX, XXXX.
I have XXXX XXXX XXXX credit cards that I had to stop paying on in XXXX. XXXX XXXX sold this debt to Portfolio Recovery.
I contacted by email Portfolio Recovery XXXX XXXX, XXXX by email to offer a settlement of {$2500.00} on a {$5000.00} dollar debt but with interest and penalties they want {$5800.00}.
I received a call from Portfolio Recovery yesterday and spoke with XXXX. She offered me a settlement on one of the credit cards that was {$24000.00} @ # XXXX and the XXXX XXXX XXXX credit card totaling {$2100.00} @ {$1300.00} and the third XXXX XXXX credit card totaling XXXX @ {$770.00}.
XXXX asked me for {$2500.00} to start and {$86.00} a month for 13 months totaling {$3500.00} and requested my chiecking account number and routing number.
I asked XXXX to send me a email or letter first showing these new amounts of money she just told me about and confirmation of the new balance of {$3500.00} and she said it was above her head and put her manager on the phone XXXX.
XXXX then proceeded to request my checking account number and routing number and i said please send me a email or letter with this new arrangement for payment and he said it was against his company policy.
I am willing to pay this new amount of {$2500.00} to start now by Certified check only and {$86.00} a month for 13 months totaling {$3500.00} but they will not send me a email or letter first confirming this new amount.
Please advise.
Thank You
|
| 04/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
in Late XXXX Portfolio recovery started contacting me about a XXXX account in my name that they had purchased. After many back and forth phone calls and trying to figure out this account I found out that this was indeed my account and the person who was using it was someone that lived in my house and was now deceased. So after speaking with a Portfolio recovery representative discussing options, and asking for a breakdown of how they came to the amount due total. they verbally offered me a 1 payment offer of XXXX. This would have been XX/XX/XXXX I wrote the check and it was dated XX/XX/XXXX. It cleared my bank on XX/XX/XXXX. It has been 2 years and they will not acknowledge my payment. I have sent them copies of the returned check, when I call and the representatives look in my file they can see the check and they can not understand why it's not reflected on my account. the PR people have told me to 1 ) send in your bank statement showing where it cleared the bank. 2 ) call the dispute line and speak with them. I have called the dispute line, but mostly I will only email as I want a written trail to all of this. They never ever answer an email and the only thing they are trained to say on the phone is they have my dispute documented and they will contact me once they have investigated. I have sent them a clip of my bank statement showing where the check cleared, and I have sent them front and back copies of the canceled check. They never acknowledge my payment. I am over this. I am not sure what their goal is at this point because until they credit my account with the payment made there is no way to move forward.
|
| 07/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I discovered inaccurate information when checking my annual credit report. I sent the 1st certified letter on XXXX/XXXX/208 and asked Portfolio Recovery to please validate the following information. I am not asking you to verify ( as in name, address, etc. ) being correct. I am challenging the validity of the alleged debt and am asking you to send proof that I owe Portfolo Recov I never contracted with anyone that has a 1 month term and I certainly never had an account with Portfolo Recov. Please remove the comments on this alleged account. They are no longer needed. Please provide the following information within ten days from the date of this letter sent by certified mail.
Debt Validation : 1. Proof of ownership.
2. Copy of statement from original creditor.
3. Copy of complete payment history starting with original creditor.
4. Copy of original signed loan agreement or credit card application.
Copy of cancelled check from myself ) to original creditor Portfolio Recovery did not provide me with the verification information where I signed a contract with their company. just copies of statements from the credit card company that charged off the initial account.
on XX/XX/2018 I sent a 2nd certified letter formally requesting a copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount.
I received a letter on XX/XX/2018 stating that my dispute has been resolved and Portfolio would not be addressing my concerns anymore.
Portfolio has not provided me with the appropriate verification I asked for as restated in my letter on XX/XX/2018
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXXXXXX XXXX put to collection Portfolio Recovery the amount of {$490.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX XXXX I decided to contact again XXXX XXXX XXXX by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are.
We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX.
This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally.
These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern this is my second time making a complaint because XXXXXXXX XXXX still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account XXXX XXXX account number XXXX to Portfolio Recovery Associates LLC on XXXX and XXXX account on XX/XX/XXXX. I sent XXXX XXXX a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. Portfolio responded back saying inserting they reply from my last CFPB complaint here as follow.
Company 's Response Portfolio Recovery Associates , LLC ( " PRA '' ) investigated your complaint. We previously closed the PRA accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the PRA accounts unless otherwise permitted or required by applicable law. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
This is proof I will in close the picture of this response as of today these accounts never been reporting from portfolio recovery associates LLC. They responded with the wrong account number for XXXX XXXX account number supposed to be XXXX.
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Dear CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGEXXXX FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 4 YEARS. XXXX XXXX HAD AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL SIGNED CONTRACT TO VERIFY THIS ACCOUNT & DID NOT VERFY THAT I OWN THIS DEBIT NO SIGNED ORIGINAL CONTRACT WAS SENT TO ME BY PORTFOLIO RECOVERY, IT SHOWS THAT THIS IS NOT MY ACCOUNT & NEEDS TO BE DELETED FROM MY CREDIT HISTORY. IT HAS PASSED 7 YEARS AND THIS NEEDS TO BE REMOVED FROM MY CREDIT HISTORY ASAP.
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| 08/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates has been harassing me for payments for almost a year when the account has already been paid & closed for years.
- Many years ago I worked with XXXX XXXX XXXX to clear up my credit card debt and payed everything off in XXXX.
- Last year ( XXXX ) I started getting letters from Portfolio Recovery Associates stating that one of the accounts was sent to them from XXXX because it wasn't paid. I disputed this claim but denied the dispute they continued to ask for payment.
- Then I reached out to XXXX XXXX XXXX and they gave me statements to send Portfolio Recovery Associates people to dispute this debt again and I did but they denied the dispute again.
- And then I reached out to XXXX XXXX XXXX AGAIN and this time they gave me copies of the all paid checks that XXXX deposited in XXXX. Showing hard core proof this was resolved. I submitted another dispute to Portfolio Recovery Associates and sent them the check copies and ... surprise, surprise ... they denied the dispute again.
- And then ... I reached out to XXXX XXXX XXXX again and they suggested I clear this up with XXXX since they were the ones who accepted the payments.
- And then ... I reached out to XXXX but said they couldn't help me because my account was sent to Portfolio Recovery for collections and had no more records of my account after that it was sent to collections. Dead end there.
- So then ... I reached out to XXXX XXXX XXXX and they suspected Portfolio Recovery was doing something shady and said I should make a formal complaint with you, Consumer Finance to clear this up.
PLEASE HELP!
XXXX XXXX XXXX XXXX
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| 10/21/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have a debt with XXXX XXXX for a credit card I had my freshman year of college. I understand that I am responsible of paying the debt, and I am willing to do so. Over the years, I 've been contacted by several different debt collectors, sometimes XXXX different collectors in the same month attempting to collect the same debt. With Portfolio Recovery, they will and have called both mine and my mothers personal line asking for payment. Today in particular, a woman from the company called asked if I could make a payment today. I said I was unable to do so at this time. She then asks if they can expect payment by the end of the month. Again, I said, I 'm unable to do so at this time, and when I can, I will call you. She beings to laugh and asks " well what type of work do you do? '' Taken aback, I responded " excuse me? '' and she repeats the question. " I do n't see the relevance of that with the reason you 're calling today. '' The woman begins laughing, again, so I said goodbye and ended the call. Several times in the past I 've asked this company for written notice so that I can have a paper trail of who my money is being sent to. They informed me that while they can take my credit card information over the phone, they are n't allowed to send me anything about the debt in the mail unless I first write them a letter. I searched the company on XXXX and they have hundreds of negative complaints from others like myself explaining similar cases of harassment and unprofessional phone conversations.
Again, I can and will pay the debt, but not until I have proper documentation about the debt and the collector.
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| 08/29/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received notice from PORTFOLIO RECOVERY ASSOCIATES. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested.
Again on XXXX XXXX I sent PORTFOLIO RECOVERY ASSOCIATES another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY ASSOCIATES on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for.
XXXX. Account number - XXXX XXXX. Account number - XXXX XXXX. Account number - # XXXX XXXX. Account number - # XXXX - IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY - ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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| 06/06/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On X/X/17 I called portfolio recovery associates @ XXXX regarding a debt that they purchased from XXXX XXXX and spoke with XXXX XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted ( XXXX XXXX ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from XXXX XXXX , when I contacted XXXX XXXX they stated I do not ow the debt to them. I have nothing to do with this company purchase, XXXX XXXX stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.
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| 12/02/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In the Matter of : Portfolio Recovery Associates, LLC On, XX/XX/2021, Portfolio Recovery Associates, added a derogatory mark on my XXXX, XXXX and XXXX credit report. Balance of {$600.00}.
Upon further research, this account is not mine. Iam not responsible for the debt account. The Collection agency did not validate/verify this collection of debt.
Also, there is not a written form of communication, a original contract with my written signature for this accused debt. A bill without a signature does not validate the date, anyone can send a bill saying I owe them.
According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer, and I am requesting legal action thru your services to remove the account immediately. I dispute the debt account as no knowledge of account.
Language in PRA 's purchase agreements puts PRA on notice that information in the Sale File might be inaccurate, incomplete, or otherwise unreliable.
Initiating any XXXX XXXX XXXX unless in possession of the following : a. Original Account-Level Documentation reflecting, at a minimum, the Consumer 's name, the last XXXX digits of the account number associated with the Debt at the time of Charge-off, the claimed amount excluding any post Charge-off payments ( unless the claimed amount is higher than the Charge-off Balance or judgement balance, in which case Respondent must possess ( i ) Original Account-Level Documentation reflecting the Charge-off Balance and ( ii ) an explanation of how the claimed amount was calculated and why such increase is authorized by the agreement creating the Debt or permitted by law.
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| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates, LLC has obviously purchased several old credit card debits I owed from years ago and are using the law firm XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
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| 08/26/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe.
Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place.
If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt.
I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage.
Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
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| 09/26/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter ( copy enclosed ) because I do not believe I owe what you say I owe. This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.
They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan and being denied on other credit requests.
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| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi, This company Portfolio Recovery continues to report to all XXXX credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, XXXX. ) XXXX opened on XX/XX/XXXX, and 3. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
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| 10/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I voluntarily without any contact from the collection agency called XXXX XXXX to pay an charged off account. I was referred to PRA, Portfolio Recovery Associates, LLC located in XXXX, VA to make the payment. I spoke to representative over the phone for a few minutes, made a payment in full, and the woman indicated, if XXXX XXXX XXXX is reporting to a credit bureau they would update the records. At the time of the payment none of my credit reports ( XXXX XXXX XXXX XXXX ) were reflecting any adverse reporting from that company. Since the date of the payment I have had adverse reporting that lowered my credit score by approximately 100 points, affecting my interest rates as well as my ability to borrow etc. I have been in contact with the company in writing via email, fax, and USPS delivery confirmation mail on more than 6 occasions presenting them their own correspondence and requesting them to delete this information pursuant to their correspondence as they were reporting previously and the reporting did adverse against my credit. The customer service in the disputes department, the compliance department, and the office of the president all has failed to reply in a professional fashion and have continued to have adverse affect on my credit reports with XXXX.
On the basis of the correspondence from their offices they are engaging in Fraud by Radio, Television or Wire, and or False Statements. Publishing information that impedes interest rates, financing, and other monetary matters via false statements.
18 USC 1343 18 USC 1001 Request to have all reporting deleted post haste from my credit report.
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| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts.
Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively.
When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up.
After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all.
I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect.
How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it.
Why would I pay to retriever further payment obligations on an expiring debt?
Exactly.
The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents 2 and 3, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX.
I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all.
Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.
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| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open.
Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.
Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open.
Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.
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| 09/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX and XXXX, I disputed the validity of the debt, and requested the following to provided to me to validate the debt : To whom it may concern, I am writing in response to your letter dated XX/XX/2020, ( copy enclosed ) because I do not believe I owe what you say I owe.
This is the first Ive heard from you, or any company on this matter, therefore in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts, I respectfully request that you provide me with the following information : 1. Proof that you actually own this debt 2. Statement from the original creditor providing the amount and complete payment history 3. Copy of the SIGNED loan agreement and/or credit card application/contract 4. Copy of a cancelled check from me to the original creditor 5. Proof that you are licensed to collect debts in the state of Georgia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting They have not provided the requested information and are continuing to report negatively on my credit report which has caused my credit scores to decrease and causing me to get a higher rate on an auto loan.
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| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one.
XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company.
a. Is this a medical bill?
b. What services were performed?
c. Who received such services?
d. Who signed the original contract?
XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company.
a. What services were performed?
b. Who received such services?
c. Who signed the original contract?
XXXX This appears to be a a XXXX card. I requested the information below from the company.
a. What services were performed?
b. Who received such services?
c. Who signed the original contract?
I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.
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| 08/27/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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This complaint is regarding Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act against Portfolio Recovery Associates. They are in violation in reporting inaccurate information on my credit files and have not provided validation as requested to show proof that I owe the debts they are saying I owe. They are in direct violation reporting past due balances on collection accounts.
They are using unfair collection practices by re-aging the debts to keep them on my credit report stating incorrect balances, I have disputed and sent numerous letters asking for proper Validation with signed signatures and contracts showing that I owe this debt that they are claiming I owe, and they have not provided any proof what so ever. The burden of proof is not on the consumer to disprove the debt its on Portfolio Recovery to prove per the LAW.
Portfolio Recovery Associates are legally-required investigation of the issues raised by the consumer, and they have not done so. Portfolio Recovery Associates are engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws and I am requesting that they remove all negative information that they are reporting on my credit files, that are trying to collect on debts they can not verify and haven't provided the proper verification per the law saying I owe this debt. No photocopies of an alleged debt, proper verification.
Here are the account numbers as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also be filing an complaint with the Federal Trade Commission.
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| 05/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses.
In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine.
They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id.
It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.
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| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed.
I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive.
I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled!
In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar.
In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors.
From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years.
Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX.
I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next.
File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP
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| 10/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now XXXX XXXX and now sold as debt to Portfolio Recovery, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However XXXX, XXXX claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at Portfolio Recovery was started on XX/XX/XXXX, according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by XXXX XXXX to illegally extend the time limitations for almost 4 extra years. I called XXXX XXXX recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now Portfolio Recovery is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.
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| 05/01/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To consumer Financial Protection Bureau XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX And PRA Group Inc,XXXX XXXXXXXX XXXX, XXXX XXXX VA XXXX Dont want to understand, that account, account number XXXX not mines, I denied account Portfolio Recovery Associates , LLC, on an error They have continues sending letters and letters to my home without stop PRA Group IncXXXX XXXX XXXX, XXXX, VA XXXX has XXXX and to respond to my letter dated, see attached letter dated XXXX XXXX In return, retaliating and stalking, they mailed me the attached letter date XXXX As advise by Federal Trade Commission ID Theft Account XXXX not be any longer on my credit file and also to have account deleted from my credit file as advise by Federal Trade Commission Within 4 days as per at the receipt of this complaint Please find attached ID Theft report, dated XX/XX/XXXX And also to remove case from XXXX XXXX XXXX, case court number XXXX voluntarily within 15 days, after the filling on this complaint to Consumer Financial Credit Bureau Im requesting Immediately action , this matter is affecting me the ability to obtain credit and harming my credit file Portfolio Recovery Associates , LLC is obligated to provide me with a signed contract with my signature, they have never provide me with the document, Portfolio Recovery Associates continues and continues ignoring my letters and stalking me without stop Im attaching documents, ID Theft Report, FCRA 605B ( 15 U.S.C. 1681c-2 ), document, My letter dated XXXX XXXX, and Portfolio Recovery Associates LLC , letter dated XX/XX/XXXX Thank you XXXX XXXX
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| 01/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.
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| 11/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Portfolio Recovery Associates LLC successfully managed to file and win a judgment against me without me knowing anything about their claim. I received a letter from a local court notifying me that Portfolio Recovery Associates LLC was granted a hearing for a default judgment against me that has since passed.
I have never had any type of account with Portfolio Recovery Associates LLC. My name is very common in the XXXX Texas Region. Additional, the veracity of the claim hasn't been fully explored ( by me, the defendant ) beyond a shadow of a doubt that includes examining the subject account 's owner ( 1 ), receiving a full accounting of all charges ( 2 ), full account payment history ( 3 ), reviewing the account contract ( 4 ), plaintiff 's evidence of subject account ownership ( 5 ), reviewing the original creditor 's sale of debt contract for possible riders restricting legal action of subject account ( 6 ), evidence of plaintiff 's attempts to make me aware of an impending lawsuit prior to filling ( 7 ), determining if the plaintiff 's legal work is being performed out of state or within Texas ( 8 ), reviewing the statute of limitations for the action ( 9 ) - among other considerations.
As such, Portfolio Recovery Associates LLC is disregarding federal laws designed to protect consumers at large.
I urge the federal government start a full-scale audit/investigation on Portfolio Recovery Associates LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
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| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB, I was notified by mail multiple times by Portfolio Recovery Associates, XXXX ( PRA ) address XXXX XXXX XXXX XXXX VA XXXX of collection notices about { {$5500.00} } Reference Number : XXXX, to which I found multiple violations pursuant to 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). I XXXX XXXX the Consumer and Natural Person is the original creditor, Pursuant to 15 U.S. Code 1692a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 U.S. Code 1692a ( 5 ). This company harasses me with debt collection letters since 2018. Pursuant to 15 U.S. Code 1692b ( 2 ) they can not say that a consumer owes a debt. I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to, in which I have not received thus far. In this regard after failing to respond to my affidavit thus defaulting and due to the inaccurate reporting and unprofessionalism of this company since XXXX. This is for the record that in pursuant to 15 U.S. Code 1692k they have to pay { {$1000.00} } per violation in the total amount of {$8000.00}. I demand this account be deleted on my credit report. Delete from all consumer reporting agencies ( XXXX, XXXX, XXXX ) and monetary damages of {$8000.00} as per attached invoice. I have file a report with the FTC attached Report # XXXX and will proceed with filing a case with XXXX XXXXXXXX XXXX of XXXX XXXX XXXX Attorney General if the matter is not resolved immediately!
Sincerely, XXXX XXXX XXXX
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| 05/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
|
I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt.
Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.
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| 11/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern, After filing my first complaint with PRA through mail, experian, and the CFPB I still havent been able to resolve the issue of proving this debt belongs to me. In their last response to my complaint they said the mailed me letters in the mail that saying a deb that does not belong to me has been sold to them. I never recieved it. They replied that this debt is mine by listing an adress which incorrect and it is no where on my credit report stating that this address is accurate.They also said it is the responbility of XXXX XXXX on what they reported to them. I contacted XXXX XXXX as I have two credit cards with them curently active and in good standing. They have no records of these accounts, further more they have a strict policy that if I were in collections with a past card of theirs I would not be able to obtain new cards and even credit increases. This is further proof that this debt does not belong to me. After asking PRA to provide proof which should be easy to do if the debt is mine they told me they are not legally required to do so. They only inform of an incorrect address from XXXX years ago and say that this debt is mine. They have not provided me witha contract that I have signed which bonds me to any form of angreement. They have only sent a screenshot with my last 4 of my social as well as an inaccurate address from a town I used to live in but it was not my accurate address which I explained in my letters i mailed to them. They have sent me over 30 letters stating I have a right to ask for proof that a debt iis mine but has not sent me the proof.
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| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report that showed i was in XXXX on XXXX XXXX. XXXX on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any XXXX XXXX and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with portfolio recovery so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi portfolio recovery was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship
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| 04/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX XXXX veteran living on a fixed income, i am also in the process of attending college to complete my XXXX XXXX. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX, I bank with XXXX and XXXX XXXXXXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX and they have confirmed that I XXXX XXXX XXXX have never had an account with them and XXXX XXXX does not know why PORTFOLIO RECOVERY ASSOCIATES LLC IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED PORTFOLIO RECOVERY AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT PORTFOLIO RECOVERY ASSOCIATES DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A VISA CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX portfolio recovery sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX portfolio recovery received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that portfolio recovery recently reported to both agencies on the same day XX/XX/XXXX. they also reported two different 1st deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of 1st deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only one date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.
|
| 12/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I received a notice in the mail from Portfolio Recovery Associates, LLC Stating that they are responding to my dispute with documents that would prove the account in question was valid. ( I have the documents attached. The documents they sent were bills and statements. This is a violation pursuant to 15 USC 1692g - Validation of debts which states the 5 requirements that validate a debt. It does not once mention a bill or statement. This is a XXXX $ violation per each action pursuant to 15 USC 1692k- Civil Liability. This company has mailed me on over XXXX different occasions after I sent them a cease and desist letter without even sending me the proper documents. That places them also in violation pursuant to 15 USC 1692c ( C ) Ceasing communication this is another XXXX $ violation. I am seeking damages because this company will not comply with federal law and it will not invoke my specific remedy to resolve this issue. Attached I have proof I sent them a cease and desist. I also have proof they sent me bills instead of the XXXX requirements under 15 USC 1692g. I also have proof that this company keeps sending me mail every month after they received a cease and desist. This company is also reporting this information to atleast XXXX other companies without my consent or proof it has been a judgment against me according to 15 USC 1681b- permissible purpose this is another violation. I have proof of cease and desist attached with the return receipts to prove they received them. They sent me letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all are violations XXXX $ per occasion.
|
| 05/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
Portfolio Recovery Associates, LLC, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX.
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also.
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more.
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on Portfolio Recovery Associates, LLC but maybe on XXXX XXXX.
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XXXX XX/XX/XXXX. These loans were through my local bank and then XXXX XXXX bought the bank and took it over on the XX/XX/XXXX. I had moved my accounts from XXXX XXXX before this date.
When I spoke with XXXX at my states office over banking regulations, She said that they have had XXXX XXXX do this in another county in our state.
|
| 04/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On XX/XX/2023, I received a phone call from an unknown number. The caller left the voice mail message below.
" This message is intended for XXXX XXXX. This is XXXX. I am with XXXX XXXX for XXXX XXXX XXXX. Calling in regards to a civil complaint that was forwarded to my office for filing against you in XXXX XXXX. The firm that filed against you has informed me that you didn't respond to a 30-day notice mailed to the address on file. If you have any questions regarding this action taken against you, you will need to contact the issuing firm immediately at XXXX. Thank you and you've been notified! '' I received this call two days after I filed a complaint with CFPB against Portfolio Recovery.
Recently, CFPB released an article in regards to the illegal collection practice, violating a court ordered enforcement for Portfolio Recovery to stop threatening, harassing and conducting illegal collection practices. They have violated the enforcement which forced CFPB to take action. Here is 100 % proof this unethical company believes they are untouchable and does not have to abide by any federal or state law in the manner of which they conduct business. First, they can't validate the debt, Second, they have manipulative, deceptive harassing phone calls made with messages as above. Third, they sue innocent people through deception, unfair and unjust business practices and do not even have the decency to explain themselves.
I am requesting for CFPB to include this complaint with the action against Porfolio Recovery because this is incredible evidence of so many violations by this business.
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
|
| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I had a XXXX account when I was XXXX XXXX XXXX, and because you have to be at least 18 years of age to have a XXXX account, I believe the Informations was sent to credit card companies and then credit cards were sent to our address. When my father ran out of money to lay for food and other necessities I pointed out that we had credit cards that kept being sent to us, and so we used XXXX to pay for food and other necessities. Shortly after the credit card was used, a serious family problem occurred which resulted in forgetting about the use of the credit card. About a decade later ( now ) I decided to get a XXXX XXXX credit card, and when I signed up for it, there was no mention of a credit account in my name before my current one. A month or two after I got the XXXX XXXXXXXX credit card I was sent a paper in the mail from Portfolio Recovery Associates LLC ( PRA ) saying that I owe them {$450.00} because they bought my previous XXXX XXXX credit card debt. I then disputed their claim because I assumed they were talking about the credit card I got just after turning XXXX and they sent me copies of papers of XXXX XXXXXXXX saying that the PRA acquired my credit card account with a balence of {$450.00} ( The credit card used for buying groceries ). My father and I then decided to call PRA and see if we could somehow get the debt transferred to his name without any record of this debt being in my name. They then proceeded with telling us to pay it off and it will no longer be there but that didn't help us since there was still a chance for it to show up as a paid debt in my credit report.
|
| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent PORTFOLIO RECOVERY SERVICE and XXXX XXXX XXXX a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX sent a fraudulent debt to a collection agency, PORTFOLIO COLLECTIONS. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by XXXX XXXX that was sent also FRAUDULENTLY to PORTFOLIO COLLECTIONS who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both XXXX XXXX and portfolio collections in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements.
XXXX XXXX XXXX XXXX
|
| 10/02/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I checked my credit report and Portfolio recovery Associates has two accounts reporting These accounts are not mine I have asked portfolio recovery associates for verification and all I have got is fake screenshots of billing statements for both accounts. I have no obtain the proper information for portfolio recovery Associates to collect.
These accounts are also not reporting correct on my credit report, theyre reporting these accounts as open and a factoring company they are a debt collection company.
Im asking for complete payment history the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to Portfolio recovery Associates.Letter of sale or assignment from the original creditor to your company. ( Agreement with the client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX., XX/XX/2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Intimate knowledge of the creation of the debt by portfolio recovery I expect all reference to this account be deleted from my credit report
|
| 01/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report.
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account.
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with.
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional.
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager.
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat.
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat.
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.
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| 12/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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On XX/XX/22 I submitted a CFPB complaint # XXXX to Portfolio Recovery to stop communicating with me on all mediums included but not limited to all consumer reporting agencies. On XX/XX/22 Portfolio Recovery responded by stating " We have honored your subsequent request to cease all communications with you regarding the PRA account ending in XXXX and will continue to do so unless otherwise permitted or required by applicable law. '' As of XX/XX/22, Portfolio Recovery has continued to communicate via my consumer report.
The term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by The XXXX XXXX XXXX will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ).
Portfolio Recovery Assoc. has been able to continue to abuse me as a consumer with unfair debt collection practices over an alleged debt. They have continued to violate 15 USC 1692c ( c ). Under 15 USC 1692c ( c ) congress mentions invoking a specified remedy due to the injuries that I have incurred due to Portfolio Recovery not following my instructions and lying and saying that they have honored my wishes, it is still showing up on my consumer report, please see attached consumer report generated on XX/XX/22.
Portfolio Recovery has violated me by communicating with me without my consent after telling them to stop the illegal activities and they have not stopped
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| 09/25/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi there Portfolio Recovery has been literally harassing me daily via my phone # regarding a debt that was paid off in full via a settlement agreement in the very early XX/XX/XXXX 's ... ... yes thats correct over 15 years ago!!! They contacted me back aroundXX/XX/XXXXish stating I needed to pay this debt ( which I had with XXXX, we came to a settlement agreement ) I told them this and when I got something in the mail from them stating that I owed ( actually more than what was really originally owed ) I sent a certified letter back with all of the info on the debt and it had been resolved and it just stopped ... ... NOW, they are calling me constantly again ... almost 10 years later!!!! I have since moved and discarded all of the stuff as seriously .... its been over 15 years and I had heard nothing more so, why would I have kept something like that? I tried explaining this to the last fellow that called me ( on my cell no less ) and he was very belligerent .... cursing, even called me a liar and told me to pay my XXXX bills. I hung up on him ... .. I did find it odd that the lady I spoke with last week ( who was just as rude ... but did not yell at me ) had the date of this debt as XX/XX/XXXX instead of the original XX/XX/XXXX. I, # 1 dont think that is legal and # 2 I still think that is out of the actual time frame that they can harass me correct? I am furious that I am being harassed for a debt that # 1 was settled over 15 yrs ago & # 2 was almost 20 yrs old now .... What the XXXX??? Also this time I have received nothing in the mail .... only the harassing phone calls!!!
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| 04/03/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Portfolio recovery associates calls me multiple times a day, every day despite repeated requests to stop calling and repeated requests to validate any debt. Portfolio claims I owe them a debt when I have never done business with this company. They will not provide me information about the original creditor, if there really is a debt. I asked one called to send me a 1692g letter and I stopped answering their calls. No validation has been sent and no debt with this company appears on my credit report.
The first call was on XX/XX/XXXX and came from a fake number. Numbers known to belong to portfolio recovery associates have never called me. Their official phone number has never called me. All numbers are fake, spoofed and in one case, belonged to an individual who was not aware of portfolio recovery associates or any debt. They call every day, usually more than once. 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and so on. When answered, callers claim to be from portfolio recovery associates but will not give account details or even ask for money. Not sure if this is a real debt collector or a scam. Either way, I blocked all of these fake numbers but the calls continue using different fake/spoofed numbers.
The purpose of this report is to gain information about any alleged debts and to make the harassing phone calls stop.
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| 07/06/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American, Servicemember |
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Have made Several payment settlement XXXX XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and XXXX and acct with XXXX XXXX for XXXX XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX of XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
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| 03/24/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; XXXX and their collector Portfolio Recover Associates, LLC. I notified both creditors on XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XX/XX/XXXX, I was XXXX years old when the account was opened. I received a response from Portfolio Recovery Associates LLC that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XX/XX/XXXX pointing out that I was XXXX years old when the accounts were opened. On XX/XX/XXXX I received a letter from Portfolio recovery associates LLC requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and Portfolio Recovery Associates.
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| 08/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
|
The collection agency is fraudulently re-aging the account to make it appear newer in hopes that I will give in and pay them even though it 's not mine. This is clearly a violation of FTC and FCRA regualtions, as they have failed to report with accuracy and integrity.
I have filed several disputes as I do not believe that this is my account. XXXX of the XXXX credit reporting agencies have removed this account due to lack of validation. In fact, the Original Creditor ( XXXX XXXX ) continues to extend me credit. I have an auto loan and XXXX credit cards with them that have a perfect record.
Yet, a collection agency continues to re-validate and re-age zombie debt that I do n't believe is mine on my XXXX report. I have disputed this in XXXX XXXX and XXXX XXXX. My XXXX XXXX XXXX report clearly shows in the comments my XXXX XXXX request for dispute, validation and correction. I have even sent certified return receipt letters in attempts to correct this. The collection agency has sent back letters stating that they have validated all information.
My XXXX XXXX XXXX report shows the collection agency reporting the Date opened as XXXX XXXX and First Reported as XXXX XXXX. ( viewed as a relatively new account ) My report from XXXX XXXX shows the original creditor and the date opened is ACTUALLY XXXX XXXX and the First Reported as XXXX XXXX. The collection agency has sent me statements from XXXX XXXX showing the debt was clearly in XXXX. The information that the collection agency is reporting to XXXX does not match the orginal creditors information and lacks integrity and accuracy.
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| 08/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I formally complained through CFPB on XX/XX/XXXX about Portfolio Recovery Associates.
PRA responded back with a proverbial slap in the face.
I never asked for financial assistance and then they sent me a letter an obvious form letter about how they were sorry to hear about my financial hardship with an application for assistance of some sort.
They rebuttled my formal complaint by saying they found no evidence of abusive tactics or anything.
Yes. Of course PRA would not admit they did something wrong if they did something wrong.
And I think its getting harder for companies like this to find out the most legal ways to still be nasty.
I do not believe they took my initial complaint into any consideration whatsoever.
Also, in their response via CFPB to my complaint, they said that they are sending a letter. in the future tense on XX/XX/XXXX that would mean PRA is contradicting themselves.
If they say they are ceasing all communications on XX/XX/XXXX regarding a certain account then they should definitely cease and not, in a future tense send the letter.
But they did.
The letter was dated XX/XX/2023 They sent it before they said they would do so in a future tense. They could have wrote we sent you a letter.
The envelope had no post mark and arrived at my mailing address in Tennessee on the XXXX of XXXX. so I am unsure as to when the letter was actually generated and sent.
And why??
I never asked for financial assistance.
This is not treating me with dignity or respect and PRA say they are definitely committed to treating people with dignity and respect.
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| 04/30/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I spoke with a representative from the following compan y : Portfolio Recovery Associates ( collection Agency ) XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX In regards to partial acct # XXXX ( original creditor XXXX XXXX ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on XXXX XXXX 2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of XXXX and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap. Thank you, XXXX XXXX -Social ends in XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Physical address : XXXX XXXX XXXX XXXX XXXX XXXX , ut XXXX
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| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 06/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..
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| 02/11/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
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Web |
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In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.
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| 04/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX, and XXXX. The following collection agency PORTFOLIO RECOVERY located at XXXX XXXX XXXX XXXX XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication and is unwilling to produce evidence of legal validation. The accounts are listed below.
Account XXXX Account XXXX Account XXXX Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation.
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX
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| 07/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
|
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XX/XX/XXXX, XX/XX/XXXX, plus dates from XXXX. This debt is 11 years old. The amount owed is {$10000.00}. The original creditor is XXXX XXXXXXXX XXXX or XXXX. There have been numerous collection agencies trying to collect this debt, but they have all been unsuccessful. I was not able to pay the debt at the time, because I was unemployed and I had other bills that I had to pay, or risk losing my apartment or my car. XXXX XXXX XXXXXXXX, XXXX is the debt collector who has been relentless. They will not let up. It has been eleven years and the statue of limitations is long over and they continue to send me correspondence and call my cell number, continually harassing me over this expired debt. They recently sold this debt to another collection agency, XXXX XXXX XXXX XXXX and it continues. I am now being harassed by XXXX. I was advised to send a cease and desist letter to Portfolio, which I did on XX/XX/XXXX. I sent it certified with a return receipt. I have the return receipt for my records. I would like this situation to be resolved with Portfolio and XXXX not having access to my personal information anymore. I would like them to shred my information, such as my social security number, name, address, cell # and any other pertinent information of mine that they do not need. I fear that this will never end. Portfolio sold my debt to XXXX and then XXXX will sell my debt to another company and so on and this ridiculous and outrageous situation will never end. I can see this lasting forever, like another thirty, or forty years if something or someone will not terminate this.
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| 05/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello CFPB, On XXXX XXXX XXXX I sent a request for validation to Port folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to Portfolio Recovery . On XXXX XXXX XXXX I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by Portfolio Recovery . I spoke with Portfolio Recovery , XXXX XXXX XXXX XXXX after receiving the information from the bank. Portfolio Recovery confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt. Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act, USC 1692g Sec. 809 ( b ). I am hoping that your organization is able to assist me with resolving this matter. Portfolio Recovery has violated my consumers rights. Their practices are deceptive and unethical. Since Portfolio Recovery has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.
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| 11/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XXXX XXXX, XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it.
Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XXXX XXXX, XXXX ; Portfolio Recovery Associates added this account back on my XXXX credit report on XXXX XXXX, XXXX ; it states it is paid ; but it is still affecting me. Also as of : XXXX XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports.
I have contacted Portfolio via email on : Twice, disputing their letter written to me on XXXX XXXX, XXXX. Both emails are dated : XXXX XXXX, XXXX, I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XXXX XXXX, XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
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| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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i contacted them on XXXX XXXX and i haven't received anything from portfolio concerning this item : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$600.00} Dear PORTFOLIO RECOVERY ASSOCIATES : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account.
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 11/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies.
XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice.
15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports.
I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested.
They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.
They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
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| 07/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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To whom it may concern, I wish to complain about a horrific encounter XX/XX/2020. Yesterday evening, I called Portfolio Recovery Associates @ XXXX Eastern Time. I contacted Portfolio Recovery Associates to try and negotiate a collection debt and I was made aware that what I was trying to pay can not be accommodated. I then asked if I can have any contact information for the CEO, XXXX XXXX of Portfolio Recovery Associates. Instead I was transferred to one of the managers on site that was completely and utterly disrespectful. This " manager '' was very discourteous and unfortunately I was unable to get his name. When I asked to speak to his manager he told me was that he will not forward my call to his manager whose name is " XXXX XXXX '' and hung up on me. I have never in my life encounter such disrespect and felt so LOW in my entire life more so during times like this.
I am a single mother and struggling financially. I want to change my life around and build and set new goals. I am looking to eventually start saving for my future home buying process for my XXXX XXXX and I. So I decided to start at Portfolio Recovery to clear these accounts instead of filing for bankruptcy. I hope that this problem gets resolve and pray and hope that no one gets this type of apathetic experience like this ever again. I sincerely hope that there is redemption and am pleading for such consideration for how your staff made me feel and my dignity. If any additional information is needed, please feel free to contact me at any time. Thank you for the time you spent reading this letter.
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| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to complain about a collection account that appears on my credit report. The account is for {$610.00}, original creditor XXXX XXXX.
I have never conducted any business with Portfolio Recovery Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent.
I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Portfolio Recovery Associates, and I have never made any payments to them.
I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred.
I have not received any debt validation letters from Portfolio Recovery Associates. Therefore, I believe that they are illegally reporting this debt to my credit report.
I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Attorney : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Reporting old debts as newer than they are ( re-aging ) and this has been disputed on serval occasion. The status of limitation has been reached and they just reopened the debts on XX/XX/XXXX as new debt and trying to garnish wages.
Please see the below information : PORTFOLIO RECOVERY Opened XXXX {$380.00} PORTFOLIO RECOVERY Opened XXXX {$470.00} PORTFOLIO RECOVERY Opened XXXX {$2100.00} PORTFOLIO RECOVERY Opened XXXX {$2200.00} PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor XXXX OpenedXXXX XXXXXXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedMar XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$470.00} Open balance XXXX SXXXX XXXX Original creditor XXXX OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX A Original creditor SNAPSHOT OpenedApr XXXX, XXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX XXXX XXXX A
|
| 06/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.
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| 10/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I mailed a Debt Validation Letter to Portfolio Recovery Associates, XXXX ( XXXX, XXXX ), as USPS Certified with Return Signature ( attached ). In response to a listing on my credit report, this is a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating the claim is disputed and validation is requested. I respectfully requested their offices provide me with competent evidence that I have any legal obligation to pay {$2300.00}. I listed a description of the items needed. Of importance was a request for copies of all statements while the account was open. I did not receive it, along with other information requested.
In summary, I received the following documents from PRA, LLC, which I attached : Document A from the Dispute Department states the Seller provided an electronic file of its business records containing information concerning the account and further to contact the PRA. LLC Dispute Department for a history of payments posted after the Sale.
Document B from the Dispute Department states that it has completed its investigation of my dispute concerning the account and have attached/mailed documents related to the account, which establishes its validity.
Documents C1 and C2 are two pages of the XX/XX/XXXX to XX/XX/XXXX Statement Statements for XX/XX/XXXX through XX/XX/XXXX are not included because they include postings after the sale to PRA, LLC.
Document D is a Notice of Sale from XXXX XXXX XXXX to PRA, LLC My request is that PRA, LLC provide copies of all statements, while the account was open.
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| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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In response to my previous dispute/complaint, PRA claims to have sent me information stating they validated my account but did not. They claim that they have reviewed their records and verified they sent me the requested information, but they hve not. They did not notify me of the purchase of any account. They produced a letter in response to my last dispute, however, I never received this letter. When I sent my dispute to them, I sent it via certified mil and ca produce a CMRRR. They can not, because they never sent anything. They claim the deb is from XXXX XXXX. I have 3 XXXX XXXX accounts and have only ever had 3, which are all in good standing and never late. This account that they claim the have verified is mine, is not. They claim a contract was formed in XX/XX/2014 with XXXX XXXX, however this is untrue. I asked them to produce a copy of the contract with my signature and they told me that the will not and do not have to send a copy of the contract. They only thing they sent were 2 bills which does not VALIDATE the account. This original creditor account they claim is mine, is not on any of my credit reports. XXXX has already removed the account because it was determined that it was not my account. They never sent all requested information. This is m last attempt to allo them to remove the account willingly. If they do not remove this account that is reported inaccurately and that has not been validated, I will seek legal counsel and file a lawsuit to include defamation of character and request that they are prosecuted t the fullest extent of the law.
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| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello, I am having an ongoing problem with numerous debts and account son my consumer credit files which are not my own and which, under dispute, have not been resolved or even investigated by the companies which are reporting on them. I am creating this claim through the CFPB portal in hopes of mediation and assistance in oversight to make sure that the debt collectors receive the information I will include as well as oversee compliance to an investigation which I have asked for multiple times and have yet to receive information for.
I did not live in the United States during the time which such debts occurred. I never lived at the addresses such debts are tied to and I never identified by the names that are associated with these accounts.
Numerous collections are held by Portfolio Recovery Associates, a debt buyer/collection agency, and I have stated as much in disputes through the CRA 's where they report this information. No such investigation in accordance to the FCRA, FDCPA or FCBA has been forthcoming.
I ask respectfully that such an investigation be provided and that the information which is currently reported to the CRA 's be removed. I also request that such fraudulent data not be sold to another agency.
I am including documents from when I was overseas for school, which coincide with the timeframe of when such identity theft was occurring stateside.
because I have multiple issues, i request such data be held by the CFPB on the record.
The accounts held by PRA are : XXXX for : {$600.00} and {$990.00} XXXX for {$300.00} XXXX for {$750.00}
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX XXXX in XXXX for services that I never received from them.
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time.
XXXX Bank sold this debt to Portfolio Recovery Solutions. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted Portfolio Recovery Solutions on XX/XX/XXXX and they said that XXXX XXXX XXXX out of North Dakota was handling the account.
So I called XXXX XXXX XXXX and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so.
There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped.
This is not fair, and I am filing a complaint against XXXX XXXX XXXX, and Portfolio Recovery Assets.
Thank you.
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| 12/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Portfolio Recovery Associates is reporting 3 different ways along with XXXX XXXX regarding a secured {$300.00} credit card.
Listed as factoring company on one report and collections on another.
This is illegal I would like the line removed as they are reporting innaccurate information Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA! I request that Portfolio Recovery verify the following information. 1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.
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| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, XXXX is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the Portfolio Recovery Associates collection account on my profile. I've written XXXX on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by XXXX and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to Portfolio Recovery Associates on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested XXXX remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.
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| 08/28/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.
|
| 04/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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Both my husband and I went through a financial crisis due to a XXXX XXXX he had more than 10 years ago. We were unable to pay our credit card debt and it went into collection. We had 3 credit card through XXXX XXXX, 1 through XXXX and 1 through XXXX ... 5 total. We hit the 10-year Mark since the debt last year. In XXXX we received five 1099 notices advising that the debt had been charged off and we were required to submit it as regular income on our tax returns. Which we did. It's my understanding that they can no longer try to collect that debt once it's been written off AND they have 1099d that debt requiring us to claim it as regular income as a result of bad debt. However all five cards had been assigned to XXXX like 7 or 8 years ago. Again the debt has already been charged off and we claimed it as regular income as a result of bad debt on our 2019 tax return veripro continues to call us. I don't understand how they are able to continue to collect on it when both of those other actions have already taken place. Let 's say we were able to come up with the money to pay them, it would not be fair to us as the consumer to have already claimed it as regular income and then also pay them. We are then being double hit for the debt. We don't have the money to pay them but I don't understand why they are allowed to still call us when the debt has been written off and we claimed it on our tax returns as a result of them 1099ing us all five cards. Please advise how we can get them to stop calling us. Because we each at least five calls per day from these people.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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These individuals persistently disregard my explicit request to cease contacting me, despite my clear communication that their actions feel like stalking and harassment. Their conduct demonstrates a blatant refusal to adhere to both federal and state laws governing their operations. Moreover, they have repeatedly contacted my previous phone number, even after I explicitly instructed them to stop doing so. In a further intrusive and unsettling move, they obtained my new phone number from a list, seemingly with the intent to continue their harassment.
To counteract their disruptive behavior, I have taken the precaution of blocking several of the numbers they employ for spoofed calls. For reference, here is a list of recent harassing calls from Portfolio Recovery : XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery contacted me from the number XXXX.
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery reached out from the number XXXX.
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery made contact from the number XXXX.
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery attempted contact from the number XXXX.
XXXX. Again, on XX/XX/2023, at XXXX XXXX, Portfolio Recovery called from the number XXXX.
I am deeply concerned about their persistent disregard for my request to stop contacting me and their apparent intent to evade my efforts to block their calls. This situation has created a significant disruption in my daily life and well-being. I seek your assistance in addressing this ongoing harassment and ensuring that my rights are respected.
|
| 12/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello XXXX XXXX XXXX Claim # XXXX Per the company response about the debt ( please see highlighted parts ). They stated all charges are clearly reflected on the documents provided ( incorrect statement ) per page labeled 1-11 the transactions amount doesnt add up to the transaction listed. It was also stated that the second page of the statements contain no information relevant to the charges also an incorrect statement.
Page 1 transaction and tradition total match Page 2 transaction and tradition total DONT match diff of {$1400.00} Page 3 transaction and tradition total DONT match diff of {$830.00} Page 4 transaction and tradition total DONT match diff of {$180.00} Page 5 transaction and tradition total match Page 6 transaction and tradition total DONT match diff of {$100.00} Page 7 transaction and tradition total DONT match diff of {$20.00} Page 8 transaction and tradition total DONT match diff of {$380.00} Page 9 transaction and tradition total match Page 2 transaction and tradition total nothing listed Page 2 transaction and tradition total nothing listed Total transaction proven per the documents provided is {$720.00}. There is {$2900.00} unaccounted for per the documents provided. I will pay what has been proven in full today ( {$720.00} ) minus the prior payments totaling {$110.00} to a total due of {$610.00}. Once I pay the full amount of {$610.00} the account should show as paid in full and cleared from my credit report as a collection. Please advise. Please keep the case active until resolve. Thanks in advance I can be contacted at XXXX XXXX
|
| 06/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
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Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a XXXX XXXX credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a XXXX XXXX credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Portfolio Recovery is trying to collect on some alleged debts. The issue is they have furnished inaccurate information to the bureaus. They are not wanting to take responsibility for this issue. I have reached out to them several times. I have filed a complaint with the XXXX also have taken this to the Bureaus at least 5 times. I have supplied supporting documents each time and they keep verifying the information as accurate. This is hurting my credit as I am trying to buy a home. This collection agency refuses to do a thorough investigation. XXXX, XXXX and XXXX are also failing to do a thorough investigation. I do believe the bureaus are supposed to do an independent investigation in which they have failed to do several times. PRA claims they have no supporting evidence but I have sent in a pic of my credit report as well as statements that show the different amounts. This company calls me a million times from several different numbers to try and collect a debt they've listed on my credit report when the information is inaccurate. This is absurd.
Lastly I have asked for an agreement from them and proper validation of debt for these alleged debts they're trying to collect. They refuse to send me proper validation. I had some credit cards on my account I did not open they were opened by my ex husband while he was on XXXX Mailing me billing statements is not helping me any. Some of the original creditors have removed the debts from my credit because I did not authorize any cards to be in my name. PRA refuses to send me proper validation of these debts.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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PORTFOLIO RECOVERY ASSOCIATES, XXXX DISPUTE OF ILLEGAL INACCURATE INFORMATION Re : Account XXXX Portfolio Recovery Associates is reporting illegal inaccuracies on my credit report. The amounts and the legal removal date being reported is illegal inaccurate information. These accounts have been written off by the original company many years ago ; however, Portfolio Recovery continues to report inaccurate amounts and disregards the legal date of removal and has failed to provide legal documentation necessary to determine legal accurate information.
I have sent several written requests certified mail requesting Portfolio Recovery Associates to provide legal documentation of the complete account history needed to legally determine accurate information.
The documented proof I have requested has not been provided. I have only received random billing statements without sequenced dates and without payment history and late payment date.
The billing statements do show the large {$500.00}. Payments I have made on the account that Portfolio Recovery did not credit to the account ; nor is there any indication of late payment dates that are needed to determine legal date of removal of the accounts.
Portfolio Recovery is reporting illegal inaccuracies of amounts and date of legal right of removal. Portfolio Recovery has failed to provide the legal documentation information requested of the complete account history needed to determine legal and accurate information ; therefore by law these inaccurate accounts must be removed from my credit report immediately.
|
| 02/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Portfolio Recovery Associates, LLC has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called Portfolio Recovery Associates immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. Portfolio Recovery Associates told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( Portfolio Recovery Associates ) to take care of the matter. I got the run around again.
Portfolio Recovery Associates LLC has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that PRA, LLC has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored.
Portfolio Recovery Associates LLC has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. PRA LLC has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for PRA LLC at the hearing showed a balance on the account. This PROVES that PRA LLC did not follow through.
Our credit has been damaged by PRA LLC and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.
|
| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
1. ( Original Creditor : ) acct # XXXX Bal {$1900.00} 2. PORTFOLIO XXXX XXXX XXXX Bal {$12000.00}
|
| 10/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On our about XX/XX/2019 I viewed my credit reports and became aware for the first time that " Portfolio Recovery Associates, LLC : '' placed a collection account on my XXXX, XXXX, & XXXX. This arbitrary action by " Portfolio Recovery Associates, LLC '' had a devastating effect on my credit score & credit worthiness. I sent 2 letters ( both sent via certified mail ) to " Portfolio Recovery Associates, LLC '' requesting validation of debt and as of the date of this complaint " Portfolio Recovery Associates, LLC '' has ignored & denied my request. Furthermore, " Portfolio Recovery Associates, LLC '' actions is evidence that they are knowingly & willingly violating & denying my rights granted to me by " The Fair Debt Collection Practices Act '' ( FDCPA ) & " The Fair Credit Reporting Act '' The 1st letter ( via certified mail ) I sent to " Portfolio Recovery Associates, LLC '' was dated XX/XX/2019 & the second letter XXXX via certified mail ) was sent XX/XX/2019. I had no knowledge of " Portfolio Recovery Associates, LLC '' placing the collection accounts on all 3 of my credit report ( XXXX, XXXX, & XXXX ) and they failed ( knowingly & willingly ) placing collection accounts. Furthermore, " Portfolio Recovery Associates, LLC '' placed collection accounts on my credit reports without notifying me first & giving me the opportunity to request the validation of the alleged debt and by doing this " Portfolio Recovery Associates, LLC '' violated the FDCPA Collection Practice by placing a collection account on my credit report without sending me a letter first.
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| 11/21/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In XX/XX/XXXX, I got out of the military and opened different lines of credit as I continued my career in the civilian sector. On every credit account that was opened, I also opted in to the " XXXX insurance '' on said accounts to ensure that I was covered in the event of XXXX. This includes two debts from portfolio recovery in the amounts of {$390.00} and another for {$3100.00}. This year, I underwent a XXXX that caused me to become a XXXX XXXX XXXX XXXX Veteran. Upon becoming XXXX, my Wife contacted the original creditors in order to implement the XXXX protection on my accounts. I have asked Portfolio Recovery repeatedly to verify that there was no XXXX insurance on my accounts, as they are trying to collect on a debt that was covered. I have disputed with the credit bureaus and asked them to show this information and they have not- to date, yet continue to report negatively. I was never given any notice of the debts before they showed up on my credit report and then why I asked for validation because I knew I had XXXX insurance, the request was simply ignored. I only learned of the amount claimed that I owe, based off of my credit report. Today, XX/XX/XXXX- I logged onto the portfolio recovery website and clicked " live chat ''. I asked if the debts were cleared up and was told that I had to call in. I have XXXX issues that prevent me from taking deep breaths, but have to call in to speak to a rep to try to resolve this from reporting? That is absurd. I am trying to resolve any credit issues that I have, but this company refuses to help me do so.
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| 09/14/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations.
Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX.
Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them.
Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.
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| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021 i filed a complaint with CFPB because PORTFOLIO RECOV ASSOC has recently added a collection debt to all 3 of my credit reports twice after it being removed which are XXXX, XXXX and XXXX that do not belong to me which appears to be fraud with a past due balance of {$580.00}.
I've never done business with PORTFOLIO RECOV ASSOC or wish to do business with this company, contract with this company or any one they are collecting for, i have never signed documents, contracts, agreements, to pay PORTFOLIO RECOV ASSOC because what ever they are trying to collect doesn't belong to me, i have never provided this company or gave them permission to authorize access to my social security number, private address, DOB or any personal information.
PORTFOLIO RECOV ASSOC responded to the CFPB dispute saying they purchased a Debt from Capital one with a name similar as mine and trying to force me to pay for an account i never open, I called and ask them to send me a copy of documents with my signature or a copy of my drivers license/social card they have on file, because there are a lot of identity theft going on and i need those documents they are using to match me with the Fraud account so i can file a police report. When i ask for that info the lady hung up on me.
i called back and a male guy picked up, and when i ask for the same information, i was told " We don't need to provide you with anything, you owe this and need to pay us '' XXXX removed this fraud collection account on XX/XX/2021 and PORTFOLIO RECOV ASSOC added right back on XX/XX/2021
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| 12/04/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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In XX/XX/2020, Portfolio Recovery Associates, LLC filed a debt collection lawsuit against me in Texas. I reviewed the consent order from the CFPB against PRA and I believe they are in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt : including Filing Misleading Collection Affidavits and False or Unsubstantiated Representations about Owning a Debt. PRA 's petition deceptively lists several separate companies as a single original creditor by a series of " / '' which are undefined and appears to imply 3 different companies are a single corporate entity : " '' XXXX XXXX XXXX / XXXX XXXX / XXXX issued a credit account in the Defendant 's name ... '' When later in the petition it is stated in PRA 's affidavit that " XXXX XXXX XXXX / XXXX '' was the original creditor. On XX/XX/2020, during the court hearing to dismiss this lawsuit for baseless causes of action, when I contested PRA 's claims they are owed a debt because they can not prove the chain of assignment from the original creditor to PRA, the PRA lawyer responded they did not have to abide by the Texas Rules of Evidence and they had an affidavit stating PRA was the rightful assignee of the debt. I believe this is also a violation of the FDCPA because it is deliberately attempting to collect a debt they have no intention of proving by chain of assignment. The judge permitted the unsubstantiated documents as evidence and ruled in favor of PRA.
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| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, XXXX, XXXX, XXXX, I sent out a certified mail validation request to PORTFOLIO RECOVERY ASSOCIATES, LLC. I have yet to receive a validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX XXXX XXXX and which per FCRA/FDCPA does not constitute verification.
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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| 08/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Please refer to open CFPB complaint # XXXX. As mentioned previously in my opened complaint, the debt reported which was indicated by Portfolio Recovery Associates in the amount of {$710.00} is not accurate and is a violation of State and Federal law with regards to accurate debt collection and credit reporting. As I have indicated and as the attached records show, the correct " DELETED '' debt amount was {$710.00}. As the law stipulates, a debt can only be pursued when presented with ACCURATE information from a dept collection agency. This debt accusation is neither accurate or pursuable by law since the information which was reported by Portfolio Recovery Associate to XXXX XXXX or XXXX is verifiably WRONG/INACCURATE and was previously DELETED whiles in the custody of XXXX XXXX. Clearly, Portfolio Recovery Associates did not perform a proper investigation before purchasing this " UN-OWED DELETED '' debt to verify its status and or dollar amount. Though close in sum, {$710.00} dollars is not the same as {$710.00} dollars. And for this reason and other reasons which were previously argued in the original CFPB complaint and by attached documents of proof which were submitted to CFPB in this ongoing investigation, Portfolio Recovery Associates has no legal authority to continuously harass me, nor collect on an imaginary debt which does not exist and reported incorrectly to the sum of ( {$710.00} ). Furthermore, Portfolio Recovery Associates can not over turn a debt deletion which was previously completed which honors my due process under the law.
|
| 09/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my second complaint against Portfolio Recovery.
On XX/XX/2022 I made a complaint against Portfolio Recovery Associates , LLC ( XXXX ) for violation of the FDCPA and accusing them of participating in racketeering activity and defamation of character. See Complaint XXXX On XX/XX/2022 the company responded denying all allegations but failed to provide any evidence or proof of claim. In their response they stated Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX. What was the method of verification used? Who was interviewed and what documents were reviewed?
The company also stated that it purchased the account from XXXX Bank ( " XXXX '' ) XXXX XXXX. However the company failed to provide any Purchase Agreement, Bill of Assignment, Chain of Custody or any account-level documents.
PRA is reporting to XXXX that the account balance is {$570.00}. However in their response they state the account balance is {$610.00}. XXXX also is reporting a High Balance of {$610.00}. How was this amount calculated and why is there a discrepancy in amounts? It is clear that PRAs business records are not accurate and they are reporting negative false information about me to the credit reporting agencies. This defamation of character is affecting my right to obtain credit.
Providing the credit reporting agencies with deceptive forms and attempting to extort money from me is racketeering activity. Continuing to engage in these fraudulent business practices will make legal action necessary.
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| 05/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio Recovery is trying to collect a debt account number XXXX, that i have no knowledge of, and that i believe is a result of Identity Theft. I sent Portfolio Recovery a debt validation letter asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. Portfolio Recovery has yet to send me any of the items mentioned. I do not owe this debt. This debt is deficient of physical verifiable validation, and i believe this debt is a result of IDENTITY THEFT. They are reporting this debt to all three credit bureaus which is hurting my reputation. If Portfolio Recovery does not have this collection account removed from my all three of my credit reports i will file litigation against Portfolio Recovery for violation of the FDCPA, and seek monetary damages, file compliant with the Attorney General of my state, and file compliant with the XXXX. This is the last chance i'm giving Portfolio Recovery before i take action.
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| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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This is my second attempt to get this resolved. Below is my original message to CFPB was contacted in XX/XX/XXXX from Portfolio Recovery, I had told them then I had filed bankruptcy ... .previous to me filing bankruptcy ( roughly a year prior ) they sent me a tax form which I had to use when I filed my taxes, I do n't remember the form but it was for bad debt. They call me everyday all day from different numbers all over the United States XXXX XXXX XXXX XXXX XXXX I have told them about my bankruptcy, told them about the tax form that was sent ... ..they will not stop calling me and harassing me.
This was their response : Portfolio Recovery Associates, LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the limited information that was provided to PRA, we are unable to identify an underlying telephone calls which we can investigate. In order for PRA to locate the telephone number linked to your complaint, we ask that you provide us with the telephone number at which you received our calls. In order to resolve your complaint, we will need additional information to investigate and resolve the issue. Specifically, we need to know the telephone number at which you received our calls.
Ironically for them to NOT have my phone number the phone calls ceased, up until today XX/XX/XXXX, they are blowing up my phone, back to back calls from all over the United States. These calls need to stop!!!!!!! i 'm tired of the harassment and can no longer leave my phone on at work, which causes an issue if there is a family emergency.
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| 11/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Portfolio Recovery Associates LLC ( PRA ) has taken negative action against me by reporting false information to credit bureaus. PRA reports monthly terms of collection. This intentional deceit is to damage my credit. They have done so since XXXX and continue to do so in XXXX.
As evidence, the first attachment Ive included is a PDF I saved from my credit report titled " XXXX Credit Report, PRA pages only. '' The area I draw attention to is " Terms 1 Month. '' Additionally, the Payment History section of the credit report validates the timeframe I specified above, XXXX.
Its also important to note that according to XXXX, Terms in the credit report are defined as follows : The agreed upon amount of time to pay back the money borrowed.
Ive included an attachment confirming this.
To be clear, I do not have a monthly arrangement with PRA. I have never had a monthly arrangement with them. However, the arrangement I do have with PRA is an income tax refund/credit garnishment. I've included an attachment of the Request and Writ for Garnishment issued on XX/XX/XXXX as proof. Since income tax is refunded yearly, not monthly, its impossible for me to have monthly garnishment terms with PRA. Therefore, I can not have an agreement for monthly collections as PRA is reporting to credit bureaus.
In summary, PRA reported and continues to report fabricated information to credit bureaus to damage my credit. This is unacceptable and requires correction. I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
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| 05/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account XXXX in charge-off status on my credit reports that is fraudulent and I have no knowledge of it all. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a { {$700.00} } credit limit, with a balance of ( {$0.00} ), and charged of XX/XX/XXXXand updating this information onXX/XX/XXXX after it was charged off.. Making it charged off and updated after the account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX. I didn't receive a notice from Portfolio at any time. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on 3 separate occasions asking for validation, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information.
XXXX XXXX sold the account XX/XX/XXXX. On my credit report Portfolio indicated at 2 credit bureaus that the account was opened XX/XX/XXXX with a balance of {$990.00} and a high balance of {$990.00} and at one credit bureau the account was opened XX/XX/XXXX with balance and debt {$990.00}. I have NEVER did business with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudelent. The original account close date is XX/XX/XXXX and Portfolio is re-aging it to XX/XX/XXXX.
I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record..
|
| 08/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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After many years of avoiding this debt collector, I gave in and called Portfolio Recovery Associates LLC with the intention of attempting to settle my debt THAT day ( XXXX/XXXX/2017 ). My original debt was through XXXX for a total of {$420.00}, and after speaking with several different representatives, we agreed on a settlement {$270.00}, which was paid for during the time of the call. I asked three times, for the sole purpose of confirmation, if this was actually going to close the account and I was told each time that it would. I finished off the call with a manager who gave me a Plan ID, but also told me that if I didnt want the number, Id never need it anyway, which was suspicious. I was also told that Id receive a letter stating that the debt was paid and full within a 10 days. I didnt.
The call struck me as being odd because for their recording purposes, they kept making me repeat the same answers that I very clearly already stated. In hindsight, Im now pretty positive that the recording was being manipulated.
Now I am alerted that they did not close my account and that I still owe {$150.00}. I went to Portfolio Recoverys website so I could confirm this alert and when I looked at my account, it, too, stated that I still owed XXXX.
I know they will continue to lie to me and manipulate any statement I make because thats what debt collectors do, so I refuse to trust them again and I will not attempt to handle this matter on my own again.
Its sad to know that I was better off just ignoring them. So much for trying to be responsible.
|
| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Debt collection company failed to provide any of the legally required " Validation '' items as requested by Certified Letter within the first 30 days after notification of purchase of a debt and intent to collect. Consumer is knowledgeable as to what constitutes legally required Validation materials under the law and the formal process requesting such information. To date, no Validation documentation has been shown to exist. Company has never provided a single required document or a formal, company authorized official response on corporate letterhead by a management level representative. Company responses have been a single statement that they only received an " electronic '' file from the creditor and therefore have nothing to provide, along with snarky, smart-aleck comments in the tiny note section of collection notices received.
A " Cease and Desist ' letter was sent by Certified Mail in XX/XX/XXXX. For 3 months, the company honored that demand. But beginning in XX/XX/XXXX, the company again began sending out collection demands.
The company placed the collection on the 3 major Credit Bureaus even though they failed to present a single document as required by federal law to " Validate '' the debt.
XXXX and XXXX have not responded for 60 days after submitting a dispute. XXXX responded that the debt was valid even though the debt collection company can not provide any Validation documentation or evidence to consumer. In XXXX, consumer sued and won a similar complaint against XXXX for removal of false, incorrect information.
|
| 07/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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XXXX XXXX XXXX Total amount owed {$4300.00} XXXX XXXX XXXX Total amount owed {$1500.00} XXXX XXXX Charge off account XXXX XXXX XXXX Charge off account. ( {$470.00} ) XXXX XXXX XXXX Credit Card Charged off Account. ( {$4800.00} ) I was XXXX XX/XX/2015 and served 5 years with half time for my XXXX XXXX. The police have my property ( wallet & Jewelry to my room mate without my consent at the time of my XXXX. My room mate then used my cards and maxed them out, emptied the {$3700.00} in my bank account and used my leased vehicle without my consent or knowledge. There is no way for an inmate to cancel their cards, make payments or even contact the merchants. I knew he was doing these things and nothing I could do. I was only just released from XXXX and the room mate " XXXX XXXX XXXX '' is deceased and so I can't even file a police report against him. All my mail was returned to sender, these credit card companies dint give me the statements to my cards si that I I can dispute what is and isn't my charges. I've started to pay off these debts knowing that part of charges are mine but I know I only had about 3,000 in debts. The XXXX XXXX I never signed up for and has told them from day one that it is fraud and I suspected XXXX without proof until after his death in which his mom found past due notices in his desk at his moms home with my name on it.
What do I do? I'm willing to pay for part these charges but not the amounts they want especially since most charges are fraudulent. Please help, I'm trying to put my life back together.
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| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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XXXX XXXX Bank continues to report {$400.00} negatively on my credit report despite them admitting that the credit card was incorrect. I had a credit card with XXXX XXXX in XXXX, I paid the card off and cancelled because the verbal abuse I received at the hands of one of their customer associates. Fast forward years later, they have been reporting that I have a card that is paid off as agreed and another one that has been in collections for over eight years?! How?! Why would I get two credit cards from the same company, that verbally abused me??? it is truly absurd and stupid. It was clearly a mistake and I recall calling the customer service line to inform them that I had cancelled the card and didnt have any other card, to which they responded saying that it was recently charged and usedthis was in XXXX. Fast forward to present day and it is still showing up on my account, I asked the Bureaus to dispute this showing that I have reports from XXXX that show the discrepancys ( due to the new dates that somehow keep updating to reflect present dates ) in the dates the card was allegedly opened. As you can see from one report from XXXX and current XXXX report data ; on one repot it shows a date of XXXX on another it shows open/reporting date XXXX! I would never, not in a million years apply for a credit card with XXXX XXXX after being disrespected by their customer service employee. This demonstrates how they and debt buyers would go to extreme lengths to make sure people suffer and dont have opportunities and fair credit reporting.
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I currently have a debt that is impacting my credit report that I have no way of paying back to Portfolio Recovery and Associates. This debt was originally contested as fraud but was dismissed. At the advice of Portfolio Recovery. I tried applying for a permanent hardship because they assured me that they wanted to and were capable of helping me, but it was applied as just a temporary hardship from XX/XX/21 to XX/XX/21. I applied for the permanent hardship because my wife was diagnosed with XXXX. I supplied the documentation showing such, but the Portfolio Recovery responded by stating that since I, the borrower, am not the one that was diagnosed with the illness than my situation can not be categorized as a permanent hardship. This is most definitely a permanent hardship situation. I can only work part time now because I have to tend to my wife as the XXXX attacks her. The bulk of my income goes to paying the bills ( rent, XXXX XXXX XXXX food, water, etc etc ) and my wives medical bills. It is cold and callous of Portfolio Recovery to say that my wife and partner being diagnosed with XXXX is not a permanent hardship. This is a hardship to all of us that are helping my wife through this terrible time. This is not anything that will be cleared up anytime soon. This mark on my credit is hurting us from applying for a credit card and so that it may give us a bit of breathing room in the months that I come up a little short on the bills. Please re-examine this and see that I truly am in a permanent hardship at this time. Thank you.
|
| 12/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XX/XX/XXXX I received an alert from my credit card company, XXXX XXXX, stating I had a derogatory account on my XXXX report. The only information listed is Portfolio Recov Assoc, reported on XX/XX/XXXX, amount of {$990.00}.
I have not received any notice by mail or email or phone voicemails from Portfolio Recov Assoc.. I do not understand how they can report anything to any of my credit reports without contacting me first.
This is alarming since I had a unusual company contact me last year regarding a very old bank account. After investing XXXX XXXX XXXX, they were attempting to collect a debt without any proof. I submitted a complaint to regarding XXXX to the Ohio Attorney General. The company reposted they would stop harassing me or collecting such debt.
Is this related to such account? I have a document dated from XX/XX/XXXX stating they would not make contact with me anymore. Is Portfolio Recov. Assoc. have any relation to such a company?
I also had fraud on my XXXX XXXX card that was in collections for several years. I have a letter from XXXX ( XXXX ) stating the fraud department investigated and resolved the matter on their side.
Not sure if this is fraud, a scam, or other issue. When I had the issue with XXXX XXXX XXXX, they were threatening and harassing. This company, has done the opposite. They have not sent me a letter, or email. I have had the same email for many years and I have lived at the same address the past 20+ years.
Any advice and assistance would be greatly appreciated.
Thank you, XXXX XXXX
|
| 09/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...
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| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I FILED ONLINE DISPUTE THRU XXXX XXXX ON PORTFOLIO RECOVERY ( PA ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX XXXX NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A XXXX XXXX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( PA ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }.
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists
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| 08/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I been receiving calls from Portfolio Recovery several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially XXXX/XXXX/XXXX I received a call from XXXX She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if PRA would delete it from my credit file she went on saying it will be on my credit until XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from PRA in writing or any notifications on how to dispute this debt with them. I went to PRA website located at https : //www.portfoliorecovery.com/ I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want PRA to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
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| 12/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Portfolio recovery associates LLC has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from XXXX XXXX in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in XXXX XXXXXXXX that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with XXXX XXXXXXXX credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with XXXX XXXX credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with XXXX XXXX for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX portfolio recovery associates LLC brought the debt from XXXX XXXX.I placed over several disputes with portfolio recovery, XXXX, XXXX, XXXX regarding the fraud on my XXXX XXXXXXXX account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by portfolio recovery with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.
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| 10/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX ( XXXX XXXX XXXX ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.
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| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now Portfolio Recovery XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to Portfolio Recovery Associates. please help me out. I have reach out to XXXX, XXXX, XXXX and Portfolio Recovery Associates. They are not wanting to help even with the proof that has been provided.Portfolio Recovery Associates 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 Portfolio Recovery Associates 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. Attached are the disputes results from all three credit bureaus that the account was remove and what they are doing is illegal
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| 03/31/2015 |
Yes |
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Web |
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In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.
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| 01/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I am a consumer, a natural person. My rights have been repeatedly violated by Portfolio Recovery XXXX, XXXX. I have been HARRASED REPEATEDLY by THEM especially after filing a CFPB complaint. I do not owe the alleged debt! I have sent them repeated letters and was even summons to court on XX/XX/XXXX which I attended. I told them that I do not owe the alleged debt to Lawyer XXXX XXXX who WAS Not cooperative at all and I was given another date to appear in court for XX/XX/XXXX. On XX/XX/XXXX I received a letter from their XXXX Department stating that I did NOT APPEAR in court which is not TRUE which is a violation of U.S Code 1692e ( 10 ) this is a deceptive means to collect the alleged debt and a violation of 15 U.S. Code 1692e ( 5 ) they can not threaten me telling me I am in default when I was in court on XX/XX/XXXX! I am attaching both documents. THIS IS HARASSMENT according to 15 U.S. Code 1692d!
This company has caused me nothing BUT Stress and has made me ILL. I have an XX/XX/XXXXXXXX and as a result of this abuse and unfair practices, I have had to get on medication after years of not being on any.
Further, more I am alleging that the attorneys at Portfolio Recovery all private lawyers pursuant to 28 USC 3002 1 ( B ), I do not believe they are even authorized in accordance with section 3718 of Title 31 to conduct litigation for the collection of debts on behalf of the United States. If they are, I need them PROVE IT!
I had to create a separate report because there is no option to add information for an existing case.
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| 07/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have some collections on my report from Portfolio Recovery. I sent them a validation of debt letter because this is something I need to be verified as the amounts do not sound correct. All they sent me was a credit card statement from the original creditor. As I am looking over the statements the amounts that they are saying I owe on my report are not accurate compared to the statements they have mailed to me. I disputed with all 3 bureaus I did do this online without knowing I should do this with a mailed letter. I asked the bureaus to do an independent investigation rather than taking their word for it. The bureaus did just that and took their word. I am trying to buy a home and this is damaging my credit report. I understand the collection agencies are to report information exactly how the original creditor provides to them. Not add a few cents on the dollar to collect from me. The bureaus claim its accurate and said it is updated when in fact it is not updated. The same info appears and all they did was update the Date of last activity on 2 of the 3 bureaus. I am asking this to be investigated thoroughly since the bureaus wont do it. I want this information deleted from my reports because the info they are provided is not true and accurate. Reporting past due balances on some of the collection accounts the account is past due by default. Reporting payment history after the close date. These are all things that should not be happening. I can not get the bureaus to do a thorough investigation so I am asking you to do so.
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| 11/17/2022 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I have tried several time to get Portfolio Recovery to stop communicating with me via ALL mediums. I filed a complaint with CFPB # XXXX, the company responded on XXXX XX/XX/XXXX stating : 'Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, verified the PRA account ending XXXX XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account and found we have honored the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXXXXXX XXXX ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. ' As of XX/XX/XXXX Portfolio Recovery is still reporting this misleading information on my consumer report. They have not honored the request to cease all communication, the letters that they have received are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In all of the letters mentioned I have requested cease communication with me on all mediums, included but not limited to all credit reporting agencies, telephone, mail, social media etc.
Portfolio Recovery has continued to lie about what sent to me, and what laws they are following. Attached pleased find my most recent consumer reports showing that Portfolio Recovery is still communicating on my consumer report. Also please find all XXXX of the letters that were sent to Portfolio Recovery requesting them to cease communication.
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| 05/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 05/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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PRA is reporting inaccurate information to my consumer report, specifically, XXXX.
I had disputed the alleged debt with the alleged creditor and that dispute was never resolved, and according to PRA they bought the debt.
I have asked for the underlying contract so I may file an arbitration action against them and the refuse to provide such information.
They are reporting inaccurate information and that violates the FCRA is a per-se violation of the FDCPA.
Also they are reporting they ( PRA ) are a " FACTORING COMPANY '' Again, this is a false and misleading statement. A factoring company provides loans against accounts not in default and that are assumed to be legally collectable, usually due to the original owner need an influx of cash.
PRA is a debt buyer and has been sued many times for their illegal practices and continue to flaunt the law.
They are reporting inaccurate information about the alleged account, they have no way to know anything about the original dispute because they were not a party to the dispute, they are failing to arbitrate by refusing to produce the alleged contract and they are referring to themselves as a factoring company, an clear and obvious misrepresentation.
On a side note, XXXX XXXX, the alleged original creditor has removed the account from all three of my consumer reports and they are the alleged original creditor, yet PRA is claiming its information is accurate when the original source of the information did not claim the information was accurate when said information was disputed?
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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To Whom it may concern. It appears that numerous violations of the Consumer Protection Act may have occurred in connection with a debt Portfolio Recovery Associates has purchased from a creditor and has attempted to collect from me. The violations are as follows : Portfolio Recovery Associates continues to report debt to the credit bureaus that is too old to report as prohibited by the Fair Credit Reporting Act. The purported debts day of first delinquency occurred more than 7.5 years ago. The tradeline should be removed from my credit report.
Portfolio Recover Associates may have retaliated against me for exercising my rights under the Consumer Protection Act when I disputed the debt in accordance with the FCRA in 2019. When I disputed the debt for being too old with XXXX in 2019, instead of removing the tradeline due to age, Portfolio Recovery Associates updated the report to extended the date the derogatory trade would stay on my credit report by an additional ~1.5 years without explanation.
Portfolio Recovery Associates continues to violate the Telephone Consumer Protection Act by contacting my cellular telephone with an automatic telephone dialer without my prior express consent.
Portfolio Recovery Associates has violated the Fair Debt Collections Act by placing telephone calls to my telephone before XXXX local time.
Portfolio Recovery Associates may be in violation of Regulation Z by reporting the debt as late every month to the Bureaus without providing periodic statements within 21 days before payment is due.
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| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC this account was already disputed with another collections agency that in turn sold it to PORTFOLIO, THEN failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES LLCis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 09/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Portfolio Recovery contacted me about a two debt they purchased from XXXX XXXX. I disputed the debt and was instructed by Portfolio Recovery to provide documentation to them proving why I wasnt responsible for the debts. In XXXX, I faxed over several documents to them to solidfy my stance. After submitting all those documents, they still insisted I had to pay, and started harrassing and threatening me about wage garnishments.
Just to get them out of my hair, I made periodic payments, however, I constantly disputed it. A couple weeks ago, I talked to the dispute department again, and they looked over the info I provided in XXXX, and purged my account, and released me from those debts. This should have been done in XXXX when I submitted it the first time.
Due to their " error '' and collecting money from me on accounts that were not validated, they claim they have issued me a refund for both accounts. However, I believe they are giving me the run around once again. When I called to inquire on the status on the refunds, they keep changing the time I should expect it. One rep said 30 days to receive my money back, another said 7-10 days, and today, another person said 10-15 days! Why should I wait for my money when they collected it improperly to begin with? These account should have NEVER been paid on, but they continued to harrass me even though the debt was not substantiated. This would have been taking care of if they would have processed my documentation properly instead of dismissing it to scare me into paying them.
|
| 08/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law.
In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.
|
| 05/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Hello, I hope this complaint finds you well.
I was happy to resolve this pending issue with XXXX.
However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX report. Please find images backing this claim up attached to this message.
I had initially sent this dispute to XXXX along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to.
Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX.
Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX report confirming that they have removed said Collections account from my report.
Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated.
To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt.
The confirmation number for my XXXX dispute is XXXX.
I would sincerely appreciate any help that you could give me for this issue!
|
| 07/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is attached.
https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE.
Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed.
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME?
Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?
|
| 03/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have made multiple attempts to have Portfolio validate this account. I never got the notification they said they sent and after 3 CFPB complaints then they magically have the notification document and an attached letter they claim was done by XXXX which looks created and not legitimate at all. I have also tried to reached XXXX directly and I have gotten no response.
Letters sent to Portfolio XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with a Cease letter on XX/XX/XXXX CFPB complaints XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX They have not answered my questions or request as it is required by the FDCPA and the FCRA and continue to report a disputed date without verifying the information.
-no license provided -no explanation of the charges Bill statements for with due date of XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with nothing from XXXX then just to XX/XX/XXXX - XX/XX/XXXX -No documentation showing I even own this just a bill no signed agreement -doctored letter made from original creditor and creditor has not responded to my letters -Continuously to report a debt without validating it Every response is the same computer generated response of " verified '' This does not belong to me and if there is no documentation provided and no response from Portfolio with this information or XXXX this account needs to be removed from my credit report immediately.
XXXX, XXXX and XXXX also have not provided me with any proof of any documentation that this was ever even mines
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On XX/XX/XXXX I came home and had a court ordered document taped on my door for everyone to see. I was out of the State for a few days because of a family emergency so I am just receiving the notice. I was never contacted by phone by a constable. I left to go out of town on XX/XX/XXXX that afternoon and it shows on the document that it was left on XX/XX/XXXX at XXXX. I was never served by the constables or by certified mail. I live in an apartment complex which anyone has been able to walk by and see the documents with personal information on it. We are in a pandemic right now which funds are very low because I am a single mom. I am being sued by Portfolio Recovery which XXXX is the original creditor. The amount I am being sued for is in the amount of XXXX. A few weeks ago a lady came to my door and wanted me to open but refused to identify herself. I live alone with my son and I am taking every steps to avoid being around anyone who is sick with COVID-19. The lady kept telling me I needed to open the door so she could hand me a document but I told her that I needed to know what this is about and there is no way I'm opening my door for a random person. I asked if she could leave the document and she refused. So again instead of me being properly notified meaning by certified mail or by a constable the court document was taped on my door with personal information and for the apartment complex to see.
On the court document it says that the petition was filed on XX/XX/2020 but papers was left on my door on XX/XX/2020.
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| 07/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I am writing this in response to a recent communication received from XXXX XXXX, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to Portfolio Recovery Associates. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to Portfolio Recovery Associates, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with Portfolio Recovery Associates, and I have diligently upheld my payment obligations in good faith.
Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted.
Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since XXXX XXXX claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
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| 11/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter.
Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above.
Also, the original letter that they sent did not state that I had 30 days to dispute the account.
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| 10/18/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 12/31/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through XX/XX/XXXX and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with XX/XX/XXXX. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with XX/XX/XXXX. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine.
Portfolio Recovery Associates # XXXX {$650.00} Portfolio Recovery Associates # XXXX {$2700.00} Portfolio Recovery Associates # XXXX {$620.00} Portfolio Recovery Associates # XXXX {$2000.00} Portfolio Recovery Associates # XXXX {$2400.00} Portfolio Recovery Associates # XXXX {$810.00} Portfolio Recovery Associates # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX # XXXX {$1000.00}
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| 10/09/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to portfolio recovery. I made an offer to settle the 2 accounts for less and they contacted Portfolio Recovery and the offers where accepted and agreed to remove the accounts.
XXXX account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my bank account on XX/XX/2020.
XXXX account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020.
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX balance on each. Portfolio recovery has gone and instead of zeroing out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made.
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by portfolio recovery and instead of fixing the problem Portfolio Recovery wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them.
Portfolio recovery also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.
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| 11/02/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, when I was XXXX my mother opened a credit account in with XXXX XXXX with my name a social security number. The account stayed active and open until XXXX. During the entirety of this time my mother lived with me and at the home I was eventually able to purchase until she moved out end of XXXX due to our differences, in that time she was collecting the mail and filtering out these bills while I was at work. I made many attempts to close the account by calling XXXX XXXX and letting them know what was going on while attempting to buy my first home in XXXX when I realized she had done this again and they refused to shut the account down. She had a long history of creating credit accounts in my name and my younger brothers name and then no making good on them ( XXXX, XXXX XXXX gas station to name a couple. The account has now been transferred to collections with XXXX XXXX XXXXXXXX I have tried to negotiate just to make it go away, I have disputed the account to no avail and the only confirm the account by sending my the last bill. It is unfair to continue fighting for almost a decade with a company about an account that was opened by an irresponsible credit seeking parent and for me to continue to pay the price while I clean up my own credit issues from a divorce. I would like this account removed as I never had knowledge of this account until it was too late and XXXX XXXX refused to do anything about it and at one point accused me of lying to get out of the debt. XXXX XXXX XXXX has been no help with the issue.
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| 09/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am not liable for the debts with XXXX or XXXX XXXX XXXX and do not have a contract with Portfolio Recovery. On XX/XX/XXXX, Portfolio Recovery began reporting a balance of {$620.00} on behalf of XXXXXXXX XXXX as an open balance on my credit reports with XXXX, XXXX and XXXX. I disputed the debt and asked them to validate the information they are reporting. They did not provide me with the original application like I asked or any signed contracts they claimed I have with this bank or their company. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$1100.00} for XXXX XXXX. I disputed this debt and do not acknowledge ownership of this account. I filed a dispute with the credit bureaus to resolve the issue and the account was not validated or removed. On XX/XX/XXXX ; Portfolio began reportion a balance of {$1100.00} on behalf of XXXXXXXX XXXX to my credit reports. At this point it seems that they are attempting to evade credit reporting laws and report duplicate accounts to my report without providing proof to the consumer. I disputed this account for ownership and somehow, the business was able to slip through the cracks and report the erroneous account regardless of ownership to my credit report for a third time with the same bank. On XX/XX/XXXX ; Portfolio Recovery began reporting a balance of {$670.00} for XXXX XXXXXXXX XXXX to my credit report. I have disputed the validity of this debt with XXXX through XXXX XXXX and the business stated that the information was accurate and the dispute was closed.
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| 03/15/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters.
PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.
Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.
PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.
The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.
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| 05/11/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 07/13/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )
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| 07/04/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I discovered unknown Collection account on my credit report from Portfolio Recovery I mailed letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery.
Checked credit reports repeatedly and no change to credit reports. Portfolio Recovery did not notify credit reporting agencies I was questioning validity of debt I mailed another letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery.
Checked credit reports and no change. Did not notify credit reporting agencies I was challenging validity of debt.
Also have strong reason to believe contacted a distant family member my phone that resides in a separate household that I have never resided in or cohabited with.
Results wanted.
1. Immediate validation of debt and notice to credit reporting agencies I am requesting validation 2. Fine Portfolio recovery for failing to respond to debt validation request ( s ) 3. Fine Portfolio recovery for failing to notify credit reporting agencies of my request for validation 4. Discovery of all Portfolio Recovery activity regarding my account including but not limited to : written letters, internal company email correspondence, received scans of my validation request letters, phone numbers called regarding the alleged debt, and all records regarding validity of debt.
5. Investigation in to business practices of Portfolio recovery and notify US Attorney General you are investigating and notify all states Attorney General that you are investigating company
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| 07/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I initially contacted Portfolio Recovery Assoc, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA on XX/XX/XXXX regarding the company reporting a collection account from XXXX XXXX Account Number : XXXX Amount:XXXX that doesn't belong to me. I provided the agent with my SSN and was told there wasn't any accounts under that SSN. He then asked me for DOB and phone number. Which I provided and still nothing. I then provided him with the account number from my credit report. He was able to pull up the account. He stated that the debt was from XXXX and it has my phone number and dob. However when I provided my DOB and Phone number at the beginning of the call he couldn't pull it up. Well I just received my phone number on XX/XX/XXXX so theres no way that the phone number was provided in XXXX by me. Also he stated it was my DOB but the SSN didn't match. Theres no way the debt is my debt. The address doesn't match any address I have lived at. He then admitted they ( Portfolio Recovery Assoc ) are in the practice of updating the information on accounts ( such as the DOB and Phone Number ) from what it was originally which seems like unethical practices ( the DOB and Phone Number ). I requested to speak with disputes and was given a false number and told someone would contact me which never happen I called XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. What no avail. I also disputed the information with XXXX. But after they have unethically updated the information to match my information XXXX did not remove the record.
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| 05/02/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American, Servicemember |
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As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX now XXXX XXXX {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA XXXX in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased
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| 12/01/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review.
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise
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| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am filing a complaint against Portfolio Recovery Associates LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus.
Their reference numbers are redacted as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence.
Portfolio Recovery Associates LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus.
This is a violation of multiple fair debt practices laws. Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation.
I demand Portfolio Recovery Associates LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts. Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary.
Thank you for your assistance, XXXX XXXX
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| 08/30/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a formal complaint against Portfolio Recovery located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 11/27/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
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| 03/04/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Called after sent written cease of comm
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Web |
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Dear XXXX Staff, XXXX bankruptcy filed in XX/XX/XXXX. Bankruptcy was dismissed in about XX/XX/XXXX due to falling behind on plan payments. My husband is XXXX became permanently XXXX in XX/XX/XXXX. I am XXXX, permanently laid off from my job of eight years and have filed for XXXX. Pennsylvania statue of limitations to collect a debt is four years. Portfolio Recovery Associates started contacting us by phone and US mail sometime after the bankruptcy was dismissed. I told them our situation and the statute of limitations in Pennsylvania verbally and also have sent them a letter to cease and desist. They continued to call us and send us bill statements in the mail. We registered our telephone numbers with the Do Not Call List several years ago. Their behavior is considered harassment to us. Just recently, they also placed a collection derogatory remark on both of our credit reports without notifying us of such action. They were asked to remove the derogatory remarks from our credit reports, but they have not complied with the request. They have been asked verbally and in written communication not to contact us and that we are on the XXXX Not Call List. Portfolio Recovery Associates is a debt buyer of old debt for pennies on the dollar and then attempt to collect the full amount plus fees for debts that are past the statue of limitations for collecting. Please try to stop them from harassing us anymore and please try to get them to remove the derogatory collection comment from both our credit reports. Thank You.
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| 09/08/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt.
The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX.
2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ).
3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ).
It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help.
XXXX XXXX XXXX/XXXX/XX/XX/XXXX
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| 02/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is XXXX XXXX, but now has been sold to Portfolio Recovery Associates, LLC.
They are claiming that I owe XXXX XXXX {$140.00}. I never applied for a card in 2015, I never received a card In 2015.
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account.
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account.
When I initially disputed this as fraudulent, XXXX XXXX opened an investigation, and recently as of the XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And XXXX XXXX is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?
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| 10/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Portfolio Recovery associates is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.
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| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XX/XX/XXXX and XX/XX/XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.
The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017.
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, XXXX Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$990.00} from XXXX or XX/XX/XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing.
I also sent XX/XX/XXXX and XX/XX/XXXX asking them to validate this debt. No information was provided back to me from XX/XX/XXXX or XX/XX/XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation.
FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
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| 03/05/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a formal complaint against Portfolio Recovery Associates located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 04/17/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!
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| 10/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted Portfolio Recovery reference number XXXXon XX/XX/XXXX andXX/XX/XXXX by certified mail multiple times through written communication advising them this debt was not mines. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the singed contract in question for3 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.
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| 08/06/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 Portfolio Recovery Associates llc Att : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, ( 1 ) the name and address of the original creditors, ( 2 ) copy of the oral or written request or application for the alleged accounts, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditors, and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
Sincerely, XXXX XXXX XXXX ( Authorization to Release Information ) cc : Consumer Financial Protection Bureau
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| 06/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX sold a debt for a credit card to Portfolio Recovery Solutions and wrote the debt off ( which is reported on my credit report by XXXX as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, Portfolio did not know what this debt was, other than from XXXX XXXX and could not disclose what the debt was relating to.
Portfolio Recovery Solutions began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX CST, they contacted my husband who was NOT associated with the debt.. Portfolio Recovery Solutions disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA.
I immediately contacted Portfolio Recovery Solutions, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, Portfolio Recovery Solutions LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.
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| 12/07/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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While the situation has been ongoing beyond just the past year, from XXXX of XXXX until now, this company has called me even after I have requested them to stop, and it is most often during my work hours. I miss a majority of their calls ; however, in the event that I answer one of the calls, 9 out of 10 times the person on the other line disconnects the call without saying anything at all, and it almost always is done at exactly 4 seconds. If I do not answer, they never leave a voicemail either.
Additionally, this company has called me nearly 100 times in the past year. On top of that, I have received these nearly 100 different calls from 72 different phone numbers, many having different area codes. In the most recent month of XXXX, I received 7 calls from XX/XX/XXXX through XX/XX/XXXX. In XXXX alone, they called me a total of 22 times, sometimes more than once per day.
It really seems like harassment is an ongoing issue here, as they have not stopped calling when requested. And it is feels like harassment because of the excessive calls and various numbers calling. I have the past years ' worth of calls logged in my phone, and I have every single one of those 72 phone numbers saved into my phone. And it is very annoying that I have written them letters ( sent via USPS ) and have never received any responses. The worst of it all is the fact that this company has not only harassed me but has been a detriment on my credit reports.
The photos of the call log and the saved phone numbers are attached.
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| 12/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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My name is NOT XXXX XXXX and was not XXXX XXXX XXXX when this alleged account was opened.
This will be my third complaint against Portfolio Recovery. I contacted portfolio recovery on XX/XX/XXXX disputing the alleged debt. XX/XX/XXXX I was sent a letter stating portfolio recovery refuses to investigate and dispute the debt and demanding portfolio recovery cease and decist all communication with me.
Today on XX/XX/XXXX, I recieved another letter from portfolio recovery, again stating they are closing the dispute investigation because I have not sent in information requested by portfolio recovery. I was never asked to send any information. This letter was mailed on XXXX XXXX. I also stated in my previous dispute, that I wished for portfolio recovery cease and decist all communications.
Attached is the dispute and cease and decist request on XX/XX/XXXX, the XXXX letter sent on XX/XX/XXXX and the XXXX letter sent on XXXX XXXX.
Portfolio recovery is very inconsistent with the letters regarding a debt dispute, signifying they are not taking my request seriously and sending these irrelevant letters to further harass me. I demanded portfolio stop all communications, however I keep recieving irrelevant letters regarding a dispute portfolio recovery refused to investigate. Portfolio recoveries inconsistancy as well as lack of record keeping further backs my origional dispute.
Portfolio recovery continues to violate FCDPA regulations stated in CFPB. I refuse to allow portfolio recovery violate my rights.
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| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.
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| 01/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
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Last year 2018 I have been recovering from XXXX XXXX. I have been contacted by Portfolio Recovery Associates regarding an account from XXXX XXXX XXXX. They are claiming an Opened account with them was established on XX/XX/2018. I first off do not owe them any money. I have asked them via letter and phone conversation to not contact me again regarding this account. They have since harassed my current husband on his personal cell. He is not tied to any accounts that I own nor does he have the right to make decisions on my behalf. They have contacted his mother on her personal home phone looking for me as well as now contacted my ex-husband, ( so they thought it was him but conversated with his now current wife regarding my account ). I have not spoken with this man in over 16 years, how embarrassing!! My rights have clearly been violated! After I contacted all 3 of the credit bureaus requesting an investigation regarding this account as well as sending Portfolio Recovery Associates a letter, dated XX/XX/2018, requesting them to not contact me again ( letter enclosed ) they have sent another letter to me ( attached as well ) They have also reported another derogatory remark on XX/XX/XXXX to my credit report since the investigation started on XX/XX/XXXX. Copy of that negative remark notification is attached as well. They have yet to provide any proof that I signed a contract with their company and that I promised to pay them anything. I have now contacted an attorney regarding the violations of my rights!
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| 04/05/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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This organization is reporting XXXX accounts that I do not have knowledge of incorrectly, thus causing damage to my consumer credit report. I have not been provided verification of the accounts despite my numerous written requests. I believe my entitlements under the FCRA have been violated.
Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Several accounts were opened as an act of fraud either by an ex significant other who managed our finances or by an individual in my area using my identity, or both. A significant possibly of confused identity also exists. I can only speculate what has occurred.
Some accounts were managed for a long period of time, as if they were an extension of someone 's credit - thus suggesting an ex significant other. However, other accounts follow a pattern of being opened, quickly used, never paid on and subsequently charged off - thus suggesting a unknown fraudster. Other accounts seem strange and unrelated completely - perhaps a case of confused identity. I can only speculate on what has occurred.
Regardless of the case, I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this fraud. I do not know of the accounts in this office and had they contacted me or verified the items as I requested countless times, we likely could have reached a resolution.
I listed the accounts on a notarized Federal Trade Commission Identity Theft Victim Complaint and Affidavit to protect myself.
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| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
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| 10/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Good day, This makes my 2nd complaint with you all against Portfolio Recovery. I've reached out to them on several occasions and no success. I've repeatedly asked them to provide me with a signed contract by me to validate business between me and themselves or a signed contract by me to validate the subject debt/account. To date, I've only received an explanation from them on how they acquired the account along with a billing statement which VALIDATES nothing. Again I point out to you that I also checked my states licensing site and see that you are currently licensed until XX/XX/XXXX which was effective as of XX/XX/XXXX however I see that my credit file was updated prior to XXXX ( XX/XX/XXXX ). Attached you'll find my initial complaint ref #, my comments, their response which I assume was accepted by yourselves as you closed out the complaint and again my response to that. After that was closed I received yet another letter from them stating they've requested additional information which I've not provided and I won't as I do not have any additional information to give. Also, I did also contact XXXX XXXX directly ( as I'm a current customer of theirs ) for assistance as the subject at hand is listed as one of their accounts but they advised this wasn't something they could help with. As I seem to have no luck I'm again filing my complaint with you and will also file with the Federal Trade Commission, the XXXX and the Florida Attorney General.
Your assistance in this matter is greatly appreciated.
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| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Older American, Servicemember |
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ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX.
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX.
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX.
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.
5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.
6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.
7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.
8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.
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| 06/30/2016 |
Yes |
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Web |
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Portfolio Recovery Associates made an agreement with me regarding XXXX credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by XX/XX/XXXX as in the agreement. I immediately got off the phone and looked for the agreement for both cards it started XXXX/XXXX/2015 I called back and informed another agent. She was looking up the account and said I am going to help you pay this off you need to just pay a little more a month. I told her I am paying the agreed amount three more months as required then I am done. I also told her that have not reported to the creditors that I have been paying the last 9 months. This company is always trying to go against the agreement we have and send me letters that I owe more.
XXXX accounts : XXXX XXXX Account they said balance was {$450.00} and card only had {$300.00} limit my monthly payment {$37.00} XXXX. Paid up to XX/XX/XXXX.
XXXX XXXX XXXX they said balance was {$2000.00} my monthly payment is {$150.00} XXXX. I just paid XX/XX/XXXX payment however they have not received it yet.
They continue to harass me and try to lie and attempt to get more money out of me.
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| 10/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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I am fighting against Portfolio against 2 accounts that appear on my credit report and they are trying to collect debts on. One is from XXXX XXXX that I have previously disputed with XXXX XXXX XXXX XXXX got fined XXXX XXXX dollars for fraudulently opening accounts without the consumers knowledge and I have all that information with your company already ( they opened fake credit cards under my name when I only had a checking acct and debit cards, they created fake accounts showing I owed credit card debt then put the collections with Portfolio Recovery. When I submitted evidence that I did not open these accounts they sided with XXXX XXXX which is WRONG ). They did not care to hear the evidence that this was a fraudulent acct ). Now they keep reporting this as a NEW account with the credit bureaus so that the 7 year period begins anew each time I refute the account ). They are also claiming I owe XXXX money when I disputed an account with someone that bought an item from me back in XXXX for under {$100.00} and claimed the product was faulty ( I used to sell on XXXX XXXX XXXX ). They refused to return the product for a refund but then claimed action against me with XXXX as they paid through paypal. I never got the product back and XXXX fined me about {$90.00} which I disputed. NOW, Portfolio Recovery says I owe them {$910.00} for this disputed amount. Portfolio is a sham company not caring for the truth only trying to scam people for amounts NOT OWED. This predatory practice is unconscionable.
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| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Portfolio Recovery account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
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| 10/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Portfolio Recovery Associates LLC continue to send collection letters requesting {$1200.00}. Several dispute letters were mailed to this company requesting removal of in accuracies from my credit reports. The agency was advised that they were in violation of Fcra and Fdcpa. They were advised that to list information on credit reports was violation of my rights by reporting false inaccurate information by placing these false accounts on my consumer credit reports. the list collection that are reporting has not been opened by me and I have no knowledge of them. Please be advised that by law I have right to PRIVACY and the credit reporting agencies have violated it. The list of accused collection accounts and dates are Portfolio Recovery Associates LLC date XX/XX/21. By Law when an consumer starts a dispute with credit reporting agenices, the account the consumer is disputing must be deleted until further investigation. The credit reporting agencies as follow XXXX, XXXX, XXXX, and XXXX are currently in violation and has violated my rights under FCRA and FDCPA under code 15 U.S. Code {$1600.00}. I have sent letters to Portfolio Recovery requesting verification of account and I have requested them to send contract that authorizes them to collect money from me. The original debt was not with them and they are violating 1. 15 USC 1681 ( a ) ( 4 ) they have violated my right to privacy and per 15 USC 1681b, I did not give them written consent to furnish any information to anybody per 15 USC 1692 ( g )
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| 08/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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Keep receiving call from an unidentified number. Every time I answer they dont answer or when they do.. they wont speak with me until I give them my address, ss, etc.
Call from XXXX ( ID : account services/XXXX NC ) ( them ) XXXX?
( Me ) Whos calling please?
( then ) is this XXXX XXXX?
( Me ) Can you please tell me whos calling.
( then ) No, I need to speak with XXXX XXXX ( Me ) Yes, how can I help you.
( them ) Where do you live?
( Me ) Sorry.. who am I speaking with ( them ) What is your address sir ( Me ) Sorry, I dont give out personal information to strangers. Who am I speaking with?
*They hung up.
..
I call the number on my phone ID ( then ) service identifies themselves as Portfolio services.
I wait for representative ( Them ) hello, what is your name, ( me ) XXXX XXXX. Why are you calling me.. XXXX XXXX .
( them ) I didnt call you .. you called me ( me ) I just received a call from this number. After I woldnt give address thye hung up. So I called you.. Why are you calling me?
( them ) what is your number.
( me ) XXXX. Why are you calling me.
( them ) what is your social sir.
( me ) I dont give out personal information to strangers. Please identifyi yourself.
( them ) we need to confirm your identity.
( me ) you have records you just called me. My number is x.. my name is x.. how many XXXX do you call at this number?
*Again, they Hung up After some research I see on my credit report : Portfolio recovery/XXXX. I believe this is XXXX XXXX who have never contacted me.
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| 02/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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I received a letter from Portfolio Recovery Associates stating that the debt they are trying to collect is valid. The included a copy of court documents, and a copy of a bank statement. I contacted the Court and requested all documents related to this case. The Court documents state that the Judgement Creditor is Portfolio Recovery Associates LLC, and the Judgement Debtor is myself. This document dated XX/XX/XXXX that was filed on XX/XX/XXXX by the County Clerk has Portfolio Recovery Associates attorneys signature on it stating " Judgement Debtor ( s ) : MY NAME and XXXX XXXX, and the marital community comprised thereof. Amount or type of satisfaction : FULL SATISFACTION The judgment creditor acknowledges receipt of sums of money owing either in full or in settlement of the judgment rendered against the judgement debtor ( s ) on XX/XX/XXXX in the above entitles court and does hearby authorize the Clerk of the Court to enter a full satisfaction of said judgement in said amount '' " On this day personally appeared before me. PORTFOLIO RECOVERY ASSOCIATES ATTORNEY, known to be the individual who executed for foregoing instrument, and who acknowledged that singing this document free and voluntarily and is authorized to execute this document '' Again, this document was signed by the attorney for Portfolio Recovery Associates and filed by my counties Clerk.
This document is also notarized and signed by a notary public stating that they have " given under my hand and official seal on XX/XX/XXXX ''
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| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/2021 XXXX is reporting XXXX It is a violation to re-age a collection account of FCRA 605C and This account have a balance but this account was already closed and also in collection/charge-off??? There's no way you can update an account that I have no recollection of even belonging to me.
How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
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| 04/27/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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A company called Portfolio Recovery from XXXX Virginia has repeatedly called me about a debt that did not belong to me. On XXXX call they told me it was about a XXXX charge account. I told them they have the wrong person and that I have never had a XXXX account of any type. I have told them multiple times this debt does not belong to me and have asked them to stop calling me and to not contact me again. They have called XXXX times in the past several months, starting in XX/XX/XXXX and continue calling, despite being told not to, in opposition to the federal Fair Debt Collection Practices Act ( FDCPA ). I have also notified them that I am on the National Do Not Call List and I do not wish them to call me again. In the month of XX/XX/XXXX alone, I have caller ID records indicating they have called XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. This has been ongoing for the past several months, despite my telling them multiple times not to call me and that they have the wrong person. They said they are an authorized debt collector in Virginia and that in order for me to stop them from calling, I need to write to them at a XXXX XXXX they provided and send them my social security number. I told them I would do no such thing and that under Federal Law they must cease calling me now that I have asked them, more than once. I asked for a Supervisor and repeated my request, and was hung up on.
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| 10/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Spoke with a unnamed collector at around XXXX XXXX from Portfolio Recovery Associates, about a XXXX XXXX Debt. In the last 7 days, I received several calls about this debt, even though I requested a Validation of debt. At least 3 calls took place in between this time. When I did get on the phone, I offered to settle the debt in order to avoid a complaint with the CFPB or FDCPA. Offer was refused, I then was transferred to the operations manager, a female, and we talked about the communication that proceeded after the Validation of debt. She stated that I had to give them something in writing to stop the communication. I asked her what FDCPA and CFPB have to say about the communication after a validation of debt has been requested, she stated that she I cant get into the legalities of that she refused to answer, than proceeded to state that she will go ahead and place a Verbal do not call on file advised her that will offer her 1 Opportunity to settle what ever balance she is discussing for {$120.00}. At this time, my request was already for a validation of debt, and she seemed to lack the simple understanding that a validation of debt, also serves as an automatic Do not call hence the term Validation of debt she is clearly in violation of the CFPB and FDCPA. I am no longer here to allow credit companies like this 1, to take advantage of people. Collection agencies require more regulation. Unacceptable that an operations manager would yield to not answering a question, about consumer rights.
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| 04/13/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman.
I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't.
Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager.
The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation.
After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
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| 01/01/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Over the years I was taken to court on a old credit card debt 7 times! And 7 times it was thrown out of court being the debt collectors never showed up! But he did on the 8th time, years later.
I was garnished at XXXX % on XXXX/XXXX/XXXX for {$12000.00} As of XXXX/XXXX/XXXX I 've paid XXXX and was wondering why the garnishment did n't stop. After getting a hold of the Court house they told me my balance was {$0.00} and some times it takes a few weeks to stop the garnishment, then, supposedly they pay you back what was overpaid.
Now I called Portfolio Recovery Assets & they would n't tell me anything, not even how much was left or the original balance.
Told me to have my lawyer call their lawyer, which I did and it cost me another {$400.00} to get my old lawyer back on retainer. He found out they somehow tacked on another {$6800.00} as interest and court fees!
As of XXXX/XXXX/XXXX I 've paid {$6700.00} making me owe {$81.00} Now I just got paid today and they still took 25 % out close to {$250.00} again.I believe I 've paid close to $ XXXX-XXXX more than I should 've and need this fixed, I can barely survive.Satisfaction of Judgement has clearly been met, yet they still continue to steal my money and harass me. I 've got the Case number, the lawyers numbers, documentation of what I paid but NO documentation of the TOTAL FULL Debt and they just keep taking. Portfolio sued me through XXXX XXXX XXXX XXXX. I need help and am broke, they have taken nearly {$21000.00} on a $ XXXX debt! Help!!
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| 07/14/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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I filed a complaint with the CFPB for harassing phone calls by PRA during the pendency of a lawsuit they filed against me.
The company responded by telling both the CFPB and me that they had a judgment against me.
They directed me to contact their attorney to pay the judgment. I am in a vulnerable group, I am totally and profoundly deaf. They are saying pay them now for a judgment they dont have?
THEY DO NOT HAVE A JUDGEMENT.
This is in violation of 18 U.S.C. Section 1001 for Lying to Government Agents, the FDCPA and Ohio statutes ( Ohio consumer sales practices act ).
I am aware PRA is under investigation for violations of its XXXX consent decree, and I wanted to alert you that they are blatantly lying to both you and me.
I need you to intervene on my behalf and contact Judge XXXX XXXX XXXX referencing case # XXXX ( XXXX XXXX XXXX.
At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Courtroom # XXXX XXXX XXXX XXXX, OH XXXX Civil Bailiff ( XXXX ) XXXX To alert her that PRA has decided the care for her, has not stopped calling, and now, in order to close complaint # XXXX ( attached as a file ), lied to a Federal agency so they can get me to pay a judgment they dont have!
Their response was so detailed, specific and granular, this is a blatant lie.
This all started bc PRA engaged in a practice called parking on my credit report, that was my first contact with them. In response to a credit report dispute, the next day, they referred it for a lawsuit without validating the debt! Help me!
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| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period.
But you did not provide me with the following : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
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| 07/03/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Since XX/XX/XXXX, Portfolio Recovery Associates have relentlessly tried to collect erroneous debt from me. When they first reported the claim they said I owed them {$1100.00} now they claim I owe them {$1400.00}. PRA even reported to XXXX that I was 120 days late on XX/XX/XXXX and XX/XX/XXXX, destroying my credit scores and payment history. They even change the account numbers on my XXXX report vs the account numbers on my XXXX and XXXX with different payment amounts in an attempt to cause me confusion. Portfolio Recovery Associates are nasty deceitful Obstructionists of Federal Laws. I warn all American consumers to be aware of Portfolio Recovery Associates ILLEGAL CRIMINAL malpractices. PRA have caused me grave humiliation and loss of income in my attempts to obtain credit & loans to pursue profitable real estate transactions. My income losses range from $ 450,000- {$600000.00} this past year alone from their fraudulent credit reporting activity. PRA reporting efforts have also caused me stifling effects to my overall health. I have been disputing their claims for months and they retaliate by adding more fraudulent derogatory information on my credit reports. This is their way of War with unsuspecting American consumers. I have recently threatened them with a lawsuit alleging Defamation, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
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| 05/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On Tuesday, XX/XX/XXXX, I paid the settlement amount with a zero balance owing to Portfolio Recovery. They assured me they would contact their attorney, XXXX XXXX, that filed a lawsuit against me to tell him the debt is no longer owed and the arbitration does not need to proceed. I called Portfolio Recovery today to make sure they contacted XXXX XXXX to tell him the debt is paid, and now they are telling me it can take up to XXXX hours for them to contact the attorney. The arbitration is set for Monday, XX/XX/XXXX. I sent the attorney and the arbitrator the email confirmation I received from Portfolio Recovery showing the debt was paid and has a XXXX balance owed, but the attorney is not dismissing the case like I was promised.
Also, I never received any communication about the debt prior to being served with a summons because the attorney was sending everything to an address two cities away from where I live and has never been my address. I was never given an opportunity to verify the debt or negotiate settlement prior to being sued because he was sending everything to a strangers address where I have never lived.
The attorney is now also trying to sue me for a second debt which I also paid and has a zero balance owed. He sent an aggressive process server to my house today and he came in my side yard trespassing on my property and yelling at me in my backyard. He wouldnt leave until I threatened to call the police. This is for a debt that is already paid and has a zero balance owed.
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| 12/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates ( PRA ) issued a wage garnishment through XXXX XXXX XXXX for {$1200.00}. This was paid to XXXX XXXX XXXX on XX/XX/2021 via wire transfer and was acknowledged as paid in full by both XXXX XXXX XXXX and PRA. On XX/XX/2021, PRA sent me a letter stating that there was a balance due on the account. I contacted them and spoke with XXXX, who stated that the account was paid in full. After filing a dispute with the credit bureaus due to the information being inaccurately reported, PRA issued me a statement on XX/XX/2021, claiming that I still had a balance on the account in question for {$22.00}. I contacted PRA once more, spoke with XXXX, and she stated that the account shows as paid in full, but until I paid the {$22.00}, they would continue to issue a statement showing the balance. On XX/XX/2021, I received a letter stating once more that the account was paid in full, and that the balance is {$0.00}. Now once again, on XX/XX/2021, I received another statement from PRA claiming that there is a {$22.00} balance on the account. When I called PRA, and spoke with XXXX XXXX? ), and explained that I have communication stating that the account is paid in full. She stated to me that " unless I paid the balance they sent me, they will continue to contact me on the matter ''. When I explained that I have several letters dated from XXXX and XXXX that state the balance is paid in full, she proceeded to tell me that I " need to just pay the XXXX money the system says I owe ''.
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| 10/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it XXXX concern, On a recent review of my credit report, I discovered your company, Portfolio Recovery Associates is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Portfolio Recovery Associates cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports.
Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office, and the XXXX XXXX XXXX.
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| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of.
These accounts are fraudulent and I would like to report this incident.
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident.
I have notified : XXXX XXXX XXXX, XXXX Portfolio Services and Portfolio Services about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX My XXXX XXXX XXXX XXXX along with several others.
This incident happened XXXX at my previous home. My truck was parked at when it was broken into.
To summarize my story, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my XXXX XXXX XXXX XXXX and my items were stolen.
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX
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| 01/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because XXXX is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying XXXX for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX Portfolio Recovery A Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX these are fraud and I want them removed at once from my credit reports
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| 06/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Portfolio Recovery Associates , LLC has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX XXXX XXXX XXXX. ) doing business as XXXX XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Portfolio Recovery Associates , LLC claims XXXX XXXX XXXX XXXX XXXX XXXX. ) was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through interstate commerce, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Portfolio Recovery Associates , LLC on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX XXXX XXXX XXXX. ) and Portfolio Recovery Associates , LLC is now civilly liable to pay me for the damages.
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| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX XXXX in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating XXXX-XXXX medical hardship, which resulted in her being in the hospital and XXXX for 34 days. I communicated this in XX/XX/XXXX, along with numerous calls to XXXX XXXX regarding each account that we had associate with XXXX XXXX. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's XXXX-XXXX medical condition. In turn, I continued to receive calls regarding the account. At this point. I have been receiving over 100 multiple calls from this credit collection agency and others regarding this account, which has caused undue XXXX XXXX and XXXX along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both US military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances.
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| 07/30/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months.
I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature.
I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me.
This company has not provided any of this after several request.
This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be.
It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery.
I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor.
What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?
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| 04/29/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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I have sent Portfolio Recovery 11 validation of debt letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Portfolio Recovery refuses to comply with my validation of debt requests. Instead of complying with my validation of debt requests and sending the documents that I have requested in my validation of debt letters, Portfolio Recovery sends the same computerized letters to me in the mail. Portfolio Recovery is reporting false information to the credit reporting agencies, since they refuse to send the documents that I have requested in my validation of debt letters to validate the debt claimed owed. I sent a cease of communication letter to Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery continues to send letters to me everyday, after I have asked 11 times for them to stop contacting me by mail. I have received 4-5 letters from Portfolio Recovery every day, since I sent my first cease of communication letter to Portfolio Recovery on XX/XX/XXXX. I have copies of all validation of debt letters, email and written correspondences and cease of correspondence letters sent to Portfolio Recovery, as evidence. All evidence will be sent in the mail to the Consumer Financial Protection Bureau. The continuous harassment by Portfolio Recovery has caused me emotional distress.
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| 11/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The company response does not meet requirements of validation .The dates being reported on credit report, address listed in response letter as their proof of debt notice is not my address and does not belong to me and or listed on or ever been used on my accounts listed on my credit report. Upon further investigation that is a childhood address of over XXXXyrs ago at a age not old enough to even obtain credit at such time .which proves Portfolio Recovery did not obtain my information from a creditor and participated in stolen identity /info and breached rights of privacy by searching public information and violated FDCPA Laws! Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Portfolio Recovery. Theres no contract nor agreement and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Portfolio Recovery nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore because they do not have a correct address for me Portfolio Recovery has violated law by not sending a debt validation notice amongst other violations that total XXXX a piece Portfolio Recovery now legally owes me more than the alleged debt by way of damages that were caused due to their negligence.So if this is not removed from my credit report at once I will proceed further legal action of my own!
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| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!!
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
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| 10/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company.
This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act.
The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because zoomer notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer.
The collection agency fail to provide documents validating this fraudulent debt.
And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.
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| 08/29/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received notice from PORTFOLIO RECOVERY ASSOCIATE about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested.
again on XX/XX/XXXX XXXX I sent PORTFOLIO RECOVERY another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind that I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for.
1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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| 09/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed.
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills.
Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, AL XXXX
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| 07/05/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
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| 04/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices.
Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address.
Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed?
Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws
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| 10/18/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a follow up complaint to the previous one dated XX/XX/2018. This company sent us each another check for the same amounts as the first checks that they disbursed. These checks also bounced so now we have received XXXX in fees from our bank. We again tried to contact XXXX XXXX and were given the run around with no answer as to why they owe both my husband and I are owed over payment refund and why they keep stopping payment on the checks after they disburse them to us. Additionally, the account that this agency identified as a " XXXX '' account was actually a judgment through XXXX XXXX that was paid in full through the Wisconsin XXXX Amortization of debts that was completed in XX/XX/2018. This judgement was sent to an attorney in XXXX Wi named XXXX XXXX. This attorney has been given a notice that the debt has now been satisfied almost 6 months ago yet the debt still shows as unsatisfied with the court system. I have tried to contact this attorney with no response from her or her law firm. XXXX XXXX is using unethical and unfair debt collection practices. They never sent us a notice of where the money we were sending them each month through our consolidation was going and it turns out that XXXX of the accounts we paid off was not even our debt ( XXXX ). Additionally, they keep showing that they owe us about XXXX dollars back, they then mail us out two checks, and they then stop payment on the refund checks. This unethical and unfair debt collection process must be corrected.
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| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I and my wife XXXX XXXX XXXX received a letter from PRA Receivables Management , LLC in regard to a claim amount of {$32000.00} stating that this claim amount was owed from the purchase of a XXXX XXXX XXXX, that my wife and I purchased in XXXX. In the letter it stated that the claim amount originated with XXXX, XXXX then sold the loan to Portfolio Recovery Associates , LLC ( PRA ). { Letter enclosed } I received the claim in the amount of {$32000.00}. I wrote the company PRA Receivables Management , LLC and disputed the claim. I asked the company to please provide us with an explanation as to how the amount of {$32000.00} was derived at, because the documents I was sent made no sense to me { Documents enclosed }. There were late fees charged and interest being charged that did not show by any calculations as to how the interest, fees and other charges where charged. The documents do not show where any payments were made on the loan while we were in bankruptcy. Also, the documents sent show {$6400.00} as of XX/XX/XXXX, was added to the claim, but does not show where it comes from.
We believe that we are being over charged on the balance of the loan, that amount we never received. We purchased the vehicle in XXXX, Paid on the vehicle for 4 and a half years before we filed bankruptcy in XXXX.
We do not owe anywhere close to what this company is claiming. We are being considerably over charged and seek you help in this matter.
Thank you.
XXXX, XXXX XXXX XXXX XXXX
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| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is about Portfolio Recovery trying to collect on a debt of {$630.00} that has been paid. Portfolio Recovery is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/2018. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from Portfolio Recovery and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to XXXX XXXX for XXXX was being collected by the law firm of XXXX XXXX and XXXX. I paid XXXX XXXX and XXXX in full the {$400.00} I owed XXXX XXXX. The paid Authorization Code is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed Portfolio a copy of the paid in full letter from XXXX XXXX and XXXX and Portfolio Recovery stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.
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| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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Portfolio Recovery states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX XXXX shows their documentation is addressed to my home address in Arizona.
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX.
All they sent me were old statements from XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account.
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!
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| 04/29/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report these XXXX trade lines to the XXXX major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score. I disputed these XXXX accounts on XXXX XXXX of this year through XXXX , XXXX and XXXX to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.
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| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.
The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2016.
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$790.00} from The XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing.
I also sent XXXX and XXXX asking them to validate this debt. No information was provided back to me from XXXX or XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation.
FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
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| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a credit card with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX that was sold to a collections agency portfolio recovery. It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called them and told them that I had paid the debt with portfolio recovery and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since portfolio acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.
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| 06/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.
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| 03/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023, I spoke with a representative of Portfolio Recovery via telephone call and requested the original contract with my signature, the original creditor information, including names, address, and phone number of the original creditor, the payment history, with the itemized billing associated with the account, and proof of ownership of the debt that is owed. As of XX/XX/2023, I had not received this information, going past the allotted 30 days for this information to be turned over to me. I requested in writing on XX/XX/2023, for Portfolio Recovery to provide the above documentation. On XX/XX/2023 and XX/XX/2023, I received a letter in the mail from Portfolio Recovery with billing statements from the account, however it didn't include the payment history, the itemized billing associated with the account, or the original contract with my signature on it. According to the Fair Credit Reporting Act, section 609 A1A, Portfolio Recovery is required by law to verify through physical verification of the original signed contract, all accounts that you post on a credit report. I demand to see verified proof, and until the above documentation can not be provided to me, I do not believe validity has been established. I am asking Portfolio Recovery to provide the payment history, the itemized billing associated with the account, and the original contract with my signature on it. If they are unable to produce these documents, then the debt needs to be removed from my credit report.
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| 06/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is an ongoing issue with " Portfolio Recovery Associates , LLC ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well.
A " XXXX XXXX account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother.
A " XXXX XXXX account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no XXXX XXXX physical offices in our area ) and was in her late XXXX 's when she passed away.
Portfolio Recovery Associates , LLC do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.
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| 07/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been contacted by PORTFOLIO RECOVERY on a daily basis, multiple times a day. Seems just shy of being harassment. After reviewing my credit report I believe that this is an attempt to collect a debt, but unfortunately, I have disputed this debt before through the credit bureaus asking for validation/verification that I actually own the {$310.00} worth of debt with physical documentation containing my signature, with no success. Therefore, I ask that PORTFOLIO RECOVERY deletes their negative information from all three of my credit reports because according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting bureaus and collection agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit bureaus and collection agencies have on file of the accounts listed above. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
I demand the following accounts be verified or removed immediately from all three of the major credit reporting bureaus.
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| 04/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Sir/Madam, I requested a detailed verification letter for the debt that the Recovery Portfolio Associates LLC is claiming to be mine.
The letter by mail was send to XXXX well as online verification form on their website was submitted on the XXXX of XX/XX/2022 and I still did not received the response. Today is XX/XX/2022. Under Fair Debt Collection act I'm entitled to received the notice within 10 days!
See the letter below!
This letter is sent in response to a letter I received.
I'm requesting that you provide verification of the debt you mentioned. Please send the following information : The name and the address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent.
Please also forward details about your authority to collect this debt, Whether you are licensed in my state and if so provide the date of the license, name of the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license.
After all that has been done, it's clear to me that the company is a scam!
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| 05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law.
I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING.
I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.
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| 04/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As of XX/XX/2019 : Portfolio Recovery Associates, LLC continues to refuse to provide me proof of signature, proving that I have a line of credit with their company. I do not and they do not have proof of signature of any contract of a line of credit with them. Furthermore, the two companies they are claiming they have bought debt and that I owe them money, XXXX XXXX and XXXX XXXX, Both companies, XXXX XXXX and XXXX XXXX also do not have proof of a signed contract between me and them. NO ONE has proof of a phone call/application being made, video surveillance of an application being made, proof of my legal signature. They don't even have my legal name, the way I apply for and sign all documents : XXXX XXXX XXXX.
I have been going round-and-round with Portfolio, XXXX, XXXX, XXXX XXXX, XXXX and XXXX for over a year while fighting XXXX. I do not own these accounts. I never opened these accounts. Under the law, I have the right to sue for {$1000.00} for defamation of character for each offense. That is indeed my next step if ALL COMPANIES do not immediately remove these accounts from ALL credit reports and send me a letter of apology, removal and a check for {$1000.00} per report. FCRA 623 and FCRA 609 I am grouping all of this together. I want XXXX removed. I want XXXX removed. I want all Portfolio Accounts removed. FROM ALL CREDIT REPORTS. I willing to now follow through with law suit and my request for financial payment if they simply close and REMOVE all accounts IMMEDIATELY.
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| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
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| 10/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Protfolio recovery, This collection company received a request from the three credit for XXXX to investigate my fraud claim. This company also received a identity theft affidavit packet which was sent to me completed and returned back to this company. This company committed a violation of the fair debt collection practices act as well as the fair credit reporting act. The first violation was out of section 809 subsection B of the fair debt collection practices act were clearly states, because XXXX notifies a debt collector in writing within the 30 day period described in subsection eight that the debt, or any portion therefore is disputed, or that the consumer request the name and address of the original creditor, the debt collector shall cease collection of the debt or any dispute a portion therefore until the debt collector obtains verification of the debt or, complete his investigation into identity theft of the consumer. The collection agency fail to provide documents validating this fraudulent debt. And intern, this collection agency validated a debt that a criminal has already admitted to opening. This person was convicted in XXXX XXXX Superior Court under case number XXXX XXXX This person admitted in court to using my information as well as my fiancs information and several others to make profit. He sold our information on the Internet. So, I am all the way confused as to why this company has not remove themselves and why they did not complete a proper investigation.
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| 08/05/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Company has been calling me since mid XX/XX/2017 about this debt and EVERY SINGLE TIME I very my information ( which is not what they have on file ) and I am told my number would be removed. I even explained SEVERAL times not only am I not the person they are looking for but I have had to deal with them before in another collection effort and this time I will pursue legal action. XX/XX/XXXX I noticed the derogatory account from portfolio recovery on behalf of XXXX XXXX on my report and when I tried to call because I have no knowledge of the account and I've told them previously this s not my account, the customer service agents was unable to speak with me unless I verified my information. I gave them my social and phone number as I don't have an account # becuase one is not listed on my credit report. Agent was unable to speak with me as the information didnt match. It doesn't match because this is not my account. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account. This is not my account.
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| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.
The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017.
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1600.00} from XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and report ability of this listing.
I also sent XXXX and XXXX asking them to validate this debt. No information was provided back to me from XXXX or XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation.
FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
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| 03/10/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act.
I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with XXXX XXXX XXXX. They are 100 % a debt collection agency.
They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this.
100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing.
If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed.
I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you.
They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter.
They will only accept debt collection cases.
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I had ( 2 ) XXXX XXXXXXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to Portfolio Recovery Associates. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to XXXX, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above.
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day.
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX.
XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal.
XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given.
XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included.
XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided.
XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results.
XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates.
XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question.
Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
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| 07/30/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.
****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi
t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.
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| 08/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Older American |
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Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.
|
| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
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| 01/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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On approximately XX/XX/XXXX at XXXX XXXX I received a phone call from someone telling me that they were from Portfolio Recovery and that this was an attempt to collect a debt that was from XXXX. And that I owed them approx {$1400.00} ( don't remember exactly they amount stated ). I then explained that the debt they were referring to was from approximately XXXX and that I had listed this debt when I contacted XXXX XXXX XXXX XXXX and paid for the required program prior to filing bankruptcy chpt XXXX and that before I could file I became XXXX and was forced into early retirement and live on Social Security. The collector didn't seem to care and actually just began talking and trying to insist that I set up some kind of repayment plan. I hung up and then wrote the company ( Parent company XXXX XXXX ) a Certified Letter ( See Attachment ). Today XX/XX/XXXX at approximately XXXX XXXX I received another phone call this time from a XXXX XXXX, who once again repeated basically what I described above. But this time I went off on her and she hung up. I called their number and first spoke to a XXXX and then I asked him to put a supervisor on the phone. XXXX XXXX got on the phone and he started asking me question, I interrupted him and expressed that I had sent a Certified Letter etc to his corporate office and attention XXXX XXXX the Compliance Officer. And he said he would notate the file and contact corporate to confirm what I had said. I hung up and decided to file a complaint.
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested.
The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX.
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX.
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX.
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.
|
| 07/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company Portfolio Recovery ever contact me regarding this alleged account. Also being that this is a medical I have never given any physician or medical office permission to share any of my medical information so this would have also been in direct violation of HIPPA. I have never heard of you until I reviewed my credit file. Portfolio Recovery never gave me the right to dispute the validity of this account before putting it into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Portfolio Recovery A Original Creditor Name : XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Thank you for your time and help in this matter.
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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The furnisher/perspective user named PORTFOLIO RECOVERY ASSOCIATES is inaccurately reporting an inquiry on my XXXX XXXX Report and XXXX XXXX Report. I, the Consumer, did not authorize or give PORTFOLIO RECOVERY ASSOCIATES permission to use or obtain my consumer report. PORTFOLIO RECOVERY ASSOCIATES failed to certify the purposes for which the information is sought pursuant to Regulation V, FRCA section 604 ( f ), and 15 USC 1681b ( f ). The FCRA limits the conditions under which a consumer report may be released without a consumers consent and where the consumer has not initiated a credit transaction, which is, if the transaction consists of a firm offer of credit pursuant to 15 USC 1681b ( c ) ( 1 ) ( B ) ( i ). However, there was no offer of credit or insurance made to the consumer and there was no solicitations sent to the consumer in the form of pre-approved offers of credit. By using and obtaining my consumer report without my authorization and failing to meet permissible purpose pursuant to Regulation V of the Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) codified as 15 USC 1681b ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) ; and failing to certify the purposes for which the information is sought pursuant to Regulation V of the FCRA section 604 ( f ) codified as 15 USC 1681b ( f ) makes you liable under 15 USC 1681n ( a ) ( 1 ) ( 2 ) and 15 USC 1681o. This ongoing invasion of privacy has caused me mental and emotional anguish.
|
| 09/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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on XX/XX/XXXX i found a summons to appear in count from Portfolio Recovery Associates on the outside of my fence on the ground, the date on the Summons is XX/XX/XXXX, the Attorneys for Portfolio Recovery Associates who's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA, XXXX is the same address as Portfolio which seemed fake to me, so i went to the Court ( XXXX XXXX Justice Court ) to see if this was real and they confirmed that it was real, so i paid {$60.00} dollars which i did not have to spare to answer this summons, Portfolio Recovery is claiming i owe them {$2600.00} for a XXXX XXXX XXXX XXXX XXXX, in the Summons Portfolio claims " they took an assignment of the account in good faith, for value and in the regular coarse of business. '' in this Summons Portfolio shows no evidence of a contractual agreement, no paper trail of amounts such as purchases, late fees attorney fees, interest etc, I believe Portfolio bought this debt for XXXX on the dollar and thought they could intimidate me with this law suite to win by default hoping i wound not respond, in XXXX i was diagnosed with non curable XXXX XXXX and after 6 months put on XXXX XXXX XXXX with the State of Arizona so i still have no money and have nothing to give these intimidating THIEFS, i am afraid to contact Portfolio Recovery Associates since i filed my Summons answer to ask them to send me proof of documentation because i dont want to say the wrong thing and incriminate myself, Thank you for your help.
|
| 06/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please see attached. I received a letter and a check in the amount of {$37000.00}. I am not sure of the exact date I received the letter and check. The check is fro m Portfolio Recovery Associates, LLC due to a Consent Order with the Consumer Financial Protection Bureau regarding their Litigation Department collection calling practices.
I was not aware of this consent order or that I would be receiving these funds back. Hence the check was not cashed within the 180 days after issuance and is not void ( I am assuming so, as I have not tried to cash it ). The letter and check came in a plain envelope and appeared to be junk mail.
Upon opening the letter, I contacted Portfolio Recovery o n XXXX XXXX , 2017 about this issue. I was told by Portfolio Recover on XXXX XXXX , 2017 that a check has been reissued and I should receive it with in 7 bu siness days. Today, XXXX XXXX , 2017 , I called Portfolio Recovery to inquire about the check as 7 business days has passed. I was told that they are not re-issuing a check because the original date on th e check exceeds 365 days. This is in stark contrast on what I was told on XXXX XXXX . I asked for a letter explaining their decision and they said there is not one. I also asked for a copy of the Consent Order as I never received one. Portfolio Recovery has not provid ed a copy of the consent order and was told they are not sure if they could provide one. The request will be forwarded to a manager.
|
| 06/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I consumer XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, { XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
|
| 10/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
|
| 02/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Older American |
|
I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street person. Now the creditors have sold the debt to blood XXXX Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS PORTFOLIO RECOVERY ASSOCIATES, LLC. the owner is a XXXX XXXX coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to XXXX I should rest 8 hours a day. But how can I, they are relentless, evil bloodhounds never stopping.
|
| 09/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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XXXX XXXX is attempting to collect a debt that is not owed by way of XXXX XXXX XXXX, XXXX. The amount not owed is XXXX and they sent the letter to my ex-wife and she was stress out and so were my kids. This account was discharged in Bankruptcy court. The account is XXXX. The phone number is XXXX. A month ago, I called XXXX XXXX and they sent me accidently to Portfolio Recovery Associates and demanded I pay XXXX dollars. I told them that I this was discharged in Bankruptcy court. 2 days ago, I called Portfolio and talked with an associate on account number listed above and they demanded XXXX payment. I told them I would contact my bankruptcy attorney and I did. However, the bankruptcy attorney told me that he is no longer working as my bankruptcy attorney and I had to find another attorney. This is why I am contacting your organization. My ex-wife does not owed this money and neither do I because it was in the bankruptcy chapter XXXX. I filed in Colorado and my divorce was in Colorado. The bill states " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for filling of a lawsuit against you : but even if that were the case, we still will not sue you on this debt ''.
|
| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
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Web |
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My husband and I recently applied for a loan for a co-op. Upon checking our credit scores, they informed me I have an account that was sent to a collection agency, Portfolio Recovery Associates , LLC. I called them and they informed me that I have an account opened with XXXX XXXX, XXXX credit and I have incurred charges in the amount of {$2200.00}, which was never paid and was eventually sent to them for collection. I informed them I never opened a credit card with XXXX, I do however have an account with XXXX, but that is linked to my bank account and XXXX XXXX card, but it is not a credit card. Furthermore, the email address listed for the account is not associated with me and the mailing address they used, I had not lived there in over twelve years and my parents have not lived there in the past six perhaps seven years. Additionally, the account opened in my name is in my maiden name, I have been married since 2018 and my last name has been changed. I spoke with several representatives at Portfolio Recovery Associates , LLC, who informed me they will open an investigation into my account for fraud.
I also called XXXX XXXX and XXXX ; and informed them as well. I gave them the same information as I did with Portfolio Recovery Associates , LLC. The representative I spoke with at XXXX informed me they do not see any credit cards opened in my name for them. The representative for XXXX XXXX, however, stated they will open an investigation into my account for fraud.
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| 07/14/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I sent a notice, via certified mail, to Portfolio Recovery Associates, that their claim for a collections account, with a balance of XXXX is formally disputed.
I requested validation of the debit, pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with local state laws, requesting " validation, " that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay them.
On XX/XX/XXXX Portfolio Recovery Associates sent me a letter titled Verification Information Concerning Portfolio Recovery Associates with an account number, and some additional irrelevant information, but nothing bearing my signature as requested.
On XX/XX/XXXX, I sent a second certified letter to Portfolio Recovery Associates, once again, requesting them to send me a copy of any viable evidence, bearing my signature showing the account is reporting accurately and that I have a binding contractual obligation to pay them the alleged amount.
I also requested the name, address, and telephone number of each person who personally verified this alleged account.
On XX/XX/XXXX Portfolio Recovery Associates sent me the same exact letter they sent me the first time. Once again, they have failed to provide any documents bearing my signature.
They are in violation of the Fair Debt Collections Act and the Fair Credit Reporting Act.
Also defamation of character and negligent enablement of identity fraud.
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| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with complaint # XXXX. I noticed that even after Portfolio Recovery was put on notice via cease and desist they are still communicating with me about an alleged debt via my consumer report. The FDCPA defines the term communication broadly to mean the conveying of information regarding a debt directly or indirectly to any person through any medium '' that includes consumer reports. As I have stated previously I have never contracted with Portfolio Recovery nor have they been able to provide me with a contract in which " I '' the consumer ever had any business transactions or agreement with Portfolio Recovery because there is none. Portfolio Recovery committed identity theft by purchasing my personal identifying information without my consent and then Portfolio Recovery committed aggravated identity theft by using that information to furnish alleged debt to my consumer report without my consent. Parking alleged debt on a consumer report to coerce payment, extort, or intimidate is illegal and is within the legal scope of racketeering and that carries up to 20 years in prison. I've given Portfolio Recovery a chance to cure this matter but they are being willfully non-compliant as well as willfully negligent to my rights as a federally protected consumer. This is the last notice in regards to this matter, a rebuttal is unnecessary and ignorance of the law is no excuse. DELETE the accounts in question from ALL consumer reports upon receipt of this notice.
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| 06/22/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.
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| 02/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/18 I contacted XXXX XXXX XXXX at XXXX to settle an account with them. Agreed settlement was for {$280.00}. I gave them my debit card number and authorized them to debit my account the same day. I also asked that they provide me with a letter showing that the account has been paid in full. Needless, to say after having over 10 conversations with various agents at Portfolio Recovery Associates, my issues has yet to be resolved and they have obtained the authorized payment from my checking account. I was lied to several times by several different managers ( however I am not sure they were really managers ) Portfolio Recovery would state that they didn't know the person I was asking to speak with? They also sent me a letter stating that I still owed them a payment after agreeing to a settlement on the account. The could not tell me a reason why the letter was incorrect. The last person I spoke with by the name of XXXX XXXX who claimed to be a manager stated on XX/XX/18 that he would email me the letter I was requesting to show that my account had been paid and settled in full. I spent numerous hours on the phone trying to obtain a LETTER from them to show my account had been paid and this is has cost me not being able close on my mortgage in time. I am absolutely FURIOUS that this company is allowed to behave in such a manner and exhausted to say the least that this has taken up so much of my time when I was only trying to pay them and settle this account!
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| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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I had the companies mixed up and what happened the first time I reported these companies, so I have it right this time.
They opened an credit card account for me, I enrolled in their credit protection program, I paid extra every month, to help with overdrafts and if you become unemployed and can't make your payments or keep the account open, etc.
I paid on the card on time, and had a good payment history for about 3-7 months. Then I lost my job, I called and TOLD THEM I lost my job and I couldn't afford the card anymore and to close the account.
They knew I was enrolled in their credit protection that covers unemployment, and they were supposed to write this off because of the program they offered and I was enrolled in.. So WHY they didn't and still until this day keep giving me flack & putting it back on my credit report, is a freaking mystery to me. Plus I don't owe anything to this company portfolio recovery XXXX 's, because I never got a product from them in the first place, so they shouldn't even be able to keep running my credit scores down by re-putting it on my credit at all. It's like they get some sick, twisted sense of self or their jollies off on bothering me and ruining my credit ratings at all 3 report bureaus..
This should have been taken off my credit report by now, and they RE-PUT it Back on my credit report AGAIN, running my credit scores DOWN Again!
Something needs to be done immediately, because this is getting really ridiculous now.
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| 11/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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At no point, have I ever authorized any accounts with XXXX XXXX XXXX XXXX XXXX or their debt selling partner, Portfolio Recovery Associates.
I have repeatedly requested a copy of the original agreement from XXXX XXXX XXXX XXXX XXXX, the ( alleged ) original creditor, as well as Portfolio Recovery Associates ( debt buyer ), proving that alleges that I am responsible for this account. XXXX 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is Portfolio Recovery Associates ( PRA ).
PRA also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for.
I say again, at no point, did I authorize XXXX 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #.
I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE!
If PRA continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.
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| 11/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX.
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, Portfolio Recovery has XXXX XXXX XXXX listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX XXXX XXXX as an original creditor. Portfolio Recovery is also currently reporting to all 3 credit bureaus using XXXX XXXX XXXX as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX.
The debt through XXXX XXXX XXXX is not my debt.
Furthermore, it should be noted that the original amount of the debt was {$450.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active.
Attached, you will find the page of my credit report stating the original company was XXXX XXXX.
It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages portfolio Recovery to practice practice accuracy.
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| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference.
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my small claims form, in case they need to reference or review.
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| 04/06/2017 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
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| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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I was served by Portfolio Recovery Associates. A processor knocked on my door at dinner time to give me papers. It says I am being sued for a debt and I need to attend a pre-trial conference. Failure to attend could result in wages garnished, and asset seizure. First off, I don't even know what this debt is for. Why would I not be notified about this? Additionally, I was the victim of identity theft and I had a number of fraudulent activities against me. So I've been trying to get my accounts back in order and up to date.
This feels like a scam of some sort. I did a XXXX search about this company and it appears they are well known to do illegal stuff when it comes to debt collection. I want to file a complaint against them for this activity. I don't know if you have a way to stop this lawsuit if it is even real. But I shouldn't have to go to court for something that may not even be mine. It looks like the total amount is {$6300.00}. Although, another document shows {$5300.00}, so I'm not sure what the difference is. It looks like interest possibly. I don't know if this is an open account or closed. If it is open and collecting interest, I have not received a bill or notice. If it is closed, why is interest being collected, and again, why was I not notified?
Also, the documents I was given, doesn't have my proper first name on it. So again, I don't know if this is even real. But based on the research I did, this appears to be how this company operates.
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| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.
The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017.
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1300.00} from XXXX or XXXX Bank are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing.
I also sent XXXX and XXXX asking them to validate this debt. No information was provided back to me from XXXX or XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation.
FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
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| 11/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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In the beginning of 2019 I disputed a debt with Portfolio Recovery due to finalization of acknowledgement from XXXX XXXX themselves that the account was fraudulent. They stated they sent the request to the credit reporting agencies and it would be removed. This was pertaining to account ending in XXXX. It was then removed from the credit agencies.
Now it is back reporting on my credit and I have to go through this process again of getting it removed. I've sent multiple communications to Porfolio Recovery as well as a copy of the evidence letter provided from XXXX XXXX each time that states that this account was fraudulent and will be removed off my report. This was dated XX/XX/2019 which was prior to the letter of them recovering the account from XXXX XXXX dated XX/XX/2019.
I'm not sure why they were even ever able to recover the account. I have tried to communicate with them and provided the evidence for it to be removed but they are not responding to the evidence provided and I would like this removed off all my credit reports yet again. This is highly aggravating to have to go through this entire process again. How it was previously removed and now it's back is beyond me. I'm not sure what further information they need when I've provided what they requested which was a fraud affidavit they requested and the requested evidence from the Credit reporter themselves again that it was fraudulent. I'm not sure what else to do and it's very overwhelming.
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| 12/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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about a year ago I received a phone call saying that this was a collection company and they had bought the debt from XXXX XXXX they claimed that owed XXXX $ and that both them and XXXX XXXX have sent me information on the account< the account was not mine< it was in regards to a XXXX credit card my name for a company called XXXX XXXX, a company that i never heard of a company i never worked for a company i never owned. and after checking all 50 states data bases does not exist> i gave Portfolio Recovery my address and asked for all information application. charges payments bills they sent me 2 statements and nothing else I wrote them several letters of dispute both electronically and via mail> again i never received any information requested just to same two states which proved nothing I never received any response but they finial sent me again the same two statements but admitted on their billing account in Dispute. they kept on calling and harassing me and reported me to credit bureaus illegally> a few years ago i filed a report with the XXXX police depart regarding identity theft< they and XXXX XXXX has both put this item on the credit reports both> this is all illegal as to the fair credit act
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| 09/08/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Portfolio Recovery has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them.
When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call.
Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling Portfolio Recovery and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
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| 04/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Got a student loan from XXXX XXXX and got behind on payments due to health issues. XXXX XXXX then sold account to a collection agency, Portfolio Recovery . XXXX XXXX 's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are not showing as current. I have been making automated payments since XXXX XXXX , XXXX faithfully in the amount of {$200.00}, but in XXXX / XXXX / XXXX amount went up to {$200.00}. On my credit report the payment history still shows as " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b ureaus.
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| 02/27/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.
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| 10/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 and XX/XX/2021 for two different account Debt Validation letter was sent by me using certified USPS mail with a return request to Portfolio RecoveryAsscociates, LLC the completed request was never sent back to me, things such as * Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.
* Complete line-by-line accounting of alleged debt.
Portfolio Recovery Associates LLC claims the unvalidated credit debt amounts for two separate accounts are {$6900.00} and {$600.00} ( as it illegally shows on my credit reports ).
Portfolio Recovery Associates , LLC told my lawyer and me by letter that they believe they sent enough information.
Also upon research on https : XXXX, it does NOT show that Portfolio Recovery Associates XXXX is Licensed to collect in Texas, yet they still ignored my attorney and I request to stop collection efforts along with never sending my completed debt validation request they still added it to credit reports which are damaging my reports illegally and wrongfully.
I contacted my attorney and my attorney called me and informed me that " Portfolio Recovery Associates , LLC '' is violating Federal Law and that I should submit a complaint to the Federal Trade Commission.
I have given Portfolio Recovery Associates almost a year now to make this right by removing these negative things from my report and life but they have yet to remove these negative reports from my credit report.
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| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXXXXXX and in XXXX sold my private information to Portfolio Recovery Associates LLC. Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transaction being reported. My social security number is an open-ended credit plan. Pursuant 15 USC 1692g I am the original creditor, natural person, private individual of this account. 15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from my consumer report. My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without my written permission it is Identity theft. Portfolio Recovery Association LLC has violated my rights as a Federally Protected Consumer. Several Federal laws under XXXX XXXX XXXX & XXXX XXXX XXXX have been violated and are noted in my Exhibits. I will also be reporting this identity theft to the FTC as well as the state attorney general 's office. Also, each violation is a fine {$1000.00}.
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| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to Portfolio Recovery on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however Portfolio won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, XXXX XXXX and then again by the collection agency, Portfolio Recovery. Portfolio Recovery fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
A copy of my photo ID has been attached.
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.
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| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
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| 02/10/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX.
I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.
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| 07/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I was served papers saying I was being sued by Portfolio Recovery Services in the justice court XXXX XXXX XXXX county texas On XX/XX/XXXX I appeard in precint 4 court and meet with Judge XXXX, Porfolio Recovery Services representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full.
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact Portfolio Recovery Services. I then reached out to Portfolio recovery services and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called Portfolio Recovery services on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}.
I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report zero balance and settlement reached.
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| 04/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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For the past year or so a debt collection agency has been reporting an alleged collection account on my credit report. I repeatedly asked them for documentation of this alleged account and they have yet to provide me with any documentation. I also have repeatedly asked them to stop calling me and they also refuse to do that. My last communication to them a few weeks ago I again asked them for documentation of this alleged account and the respone that I received on XX/XX/2019 stated " We have already responded to a previous dispute substantially the same as your present dispute and because my dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute ''. They have also stated if we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved we will consider your inquiry answered. FRCAl laws state that a company must provide me with documentation when requested of any alleged debt. It also states that to collect on that debt they must provide with a written agreement made with their company that includes my signature agreeing to pay this alleged debt. This company is trying to collect on an alleged debt they claim is owed to another company and refusing to provide me documentation of the alleged debt to that company or and a agreement that I made with their company to pay this alleged debt.
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| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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According to the FCRA consumer law 15 U.S. code 1681 e Compliance procedures : section ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
The attached account PORTFOLIO RC ( XXXX XXXX XXXX XXXX XXXX ) XXXX Fails to report accurate information.
The account type reports as a collection with XXXX and XXXX, but as an " open account '' with XXXX.
The date opened for this account reports as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XXXX.
This account is reporting a " past due '' amount XXXX on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting nothing, which proves inaccuracy as well.
This account is reporting a payment status of " late 120 days '' on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting collection/charge off which proves inaccuracy as well.
This account is reporting a " last reported date '' XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on XXXX which again proves inaccuracy.
This account is reporting a " date last active '' of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which proves major inaccuracy.
As you can confirm from the attached documents and what is stated here, there are NUMEROUS inaccuracies with this account which violates my rights as a consumer.
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| 10/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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The reason for my dispute is because Portfolio Recovery Associates is in violation of my rights under section 809 ( b ) of the FCDPA for providing invalid documents with erroneous information to proof validation of debt this is why : On the alleged original creditor statement dated XX/XX/XXXXXXXX shows a {$0.00} ( XXXX balance ) because the prior month XX/XX/XXXX the amount of {$2.00} XXXX was charge off according to the statement. An electronic file provided by PRA allegedly states that this account was sold to PRA for the amount of {$2600.00} ( the amount is different from the last statement amount ) On XX/XX/XXXXXXXX after a dispute challenging an erroneous original balance PRA recognizes the error and instead of deleting this account like they supposed to according to the FCRA they just change the balance. And instead of calling it an error they called it a credit. My dispute is this if the original amount is incorrect and/or erroneous it automatically invalidates the electronic file provided by PRA as proof of validation with this been said PRA has no way to provide proof any proper validation of this debt because all they have left is statements after statements which dont mean nothing PRA must comply with the law and remove this non fcdpa compliance account immediately. Attach to this dispute I am providing you with all of my dealings with PRA ( statements, electronic file ) I am requesting your assistance to up an end to this matter
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| 03/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I owed approximately XXXX dollars, to XXXX which was purchased by XXXX XXXX. I thought selling the debt twice was against the rules. While I was waiting for XXXX to be ok 'd, XXXX 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later they had sold the debt to another debt collector Portfolio started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not hear from them until recently. Now they are calling me every week day sometimes XXXX a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. Thank you.
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| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOV ASSOC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOV ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOV ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOV ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where PORTFOLIO RECOV ASSOC is in compliance with OHIO LAW. I also have a report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOV ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX XXXX XXXX XXXX. # XXXX BAL {$660.00}
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| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is a reopened dispute with PRA.
The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is.
I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft.
I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX refused to cooperate.
I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree.
PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results.
Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies.
I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion.
From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account.
This account has been updated only with a balance update!
Below are the updates I've received with only a balance updated date.
" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Previous : Completed investigation of FCRA dispute - consumer disagrees.
XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights.
I am aware that a consumer reporting agency can not furnish inaccurate information.
I do not believe my disputes have been handled in compliance with the law.
I request deletion or method of verification of how this account was verified.
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| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am in receipt of Portfolio Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$400.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Portfolio Recovery Solutions & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter on XX/XX/2023 demanding verification and validation. This was a demand for proof of contract to substantiate Portfolio Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored ( although given 30 + days per the FCRPA ) and Portfolio Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Portfolio Recovery Solutions has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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The problem that Im having with Portfolio Recovery Associates is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds.
Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments.
I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
|
| 11/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.
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| 03/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt.
On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it.
As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency
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| 08/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX and XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from PR and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as Portfolio Recovery. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.
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| 03/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Portfolio Recovery Associates, in various communications have threatened to harm my credit.
I notified Portfolio Recovery Associates that they are reporting LATE PAYMENTS on my XXXX credit bureau.
Collection accounts can not be reported as " LATE '' This is false and untrue.
When I communicated to Portfolio Recovery Associates that Collection accounts can not be LATE, they threatened to further harm my credit.
While this alleged debt has NOT been VALIDATED, and I do not agree it is mine, I did call the Two credit card companies, where the debt buyer, supposedly purchased the debt.
I wrote Portfolio Recovery Associates, that when I contacted the Two credit card companies, they told me, that for the past 10+ years, they have included ARBITRATION Clauses in all agreements.
Since that is the case, I have NOTIFIED Portfolio Recovery Associates, that they must INITIATE ARBITRATION, as per the credit card company agreements.
Portfolio Recovery Associates has REFUSED to initiate ARBITRATION.
I have contacted the LEGAL DEPARTMENT of Portfolio Recovery Associates, and written that both XXXX XXXX and XXXX, have the ARBITRATION CLAUSE.
The CFPB must ENFORCE this immediately. If within 5 business days, Portfolio Recovery Associates refuses on its Mandatory Requirement for ARBITRATION, they must delete all ITEMS from my 3 credit reports.
I await their reply. I am waiting for them to INITIATE the ABITRATION, or make the deletions.
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| 04/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX, I was a victim of identity theft and as a result credit cards were opened and non-authorized charges were made. I filed a Police Report on XX/XX/XXXX with the XXXX XXXX Police Department in Florida.
Since then, Portfolio Recovery purchased two debts that were charged off because XXXX XXXX XXXX XXXX did not process the identity theft documents I send to them at that time in XXXX. I disputed the two accounts in XXXX and again in XXXX, XXXX and XXXX of XXXX. I filed a FTC Identity Theft report and also completed ( Portfolio Recovery 's ) their in house ID Theft affidavit. The correspondence that is attached from this month is stating that they are not removing it and will cease to investigate the account and the other is stating that I did not send any additional relevant information.
In summary, they are continuing to collect on accounts created in fraud and have ignored my repeated requests to have these accounts closed. I even attached a letter from XXXX XXXX where they have acknowledged that I made a claim for identity theft.
I have provided all of the documentation and reports for Portfolio Recovery to remove these two accounts and stop collection, however they are still considering these as verified debts. They bought these two accounts from the original lenders and have no history or way to prove their position. At this time, they are breaking the law and so are the credit bureau who have been informed of this situation.
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| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A response to a complaint received XX/XX/2021 from portfolio recovery did not prove any validation as requested. Portfolio recovery failed to provide proof of a debt belonging to me. My name and social security trust account number does not provide proof that this alleged debt is who you claim it is.XXXX A debt is an alleged obligation and your company failed to provide a autographed original contract/agreement. Just because your company bought a debt and failed to do your due diligences in proper validation does not make this account mine. Further more, there is a significant amount of XXXX XXXX XXXX billing errors connected to the attachment ( exhibit A ) coupon provided to the cfpb complaint. And Im sure the original companies ledger shows a similar credit ( connected to this statement coupon ) to their bookkeeping. Your abusive debt practices are abundantly clear, but your companies location is very unclear which is a violation, the attached exhibit A statement states California, and Virginia yet your company standing states Baltimore, its a lot of false and misleading representation XXXX XXXX XXXX and deceptive forms XXXX XXXX XXXX which has me concerned about who your company is and also how many companies have violated my federally protected consumer rights and accessed or sold my personal information without permissible purpose. Portfolio Recovery failed to validate a debt existed as requested and by law must remove the account.
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| 08/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Older American |
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Loan dates from XXXX when I was living in XXXX XXXX prior to my move to XXXX in XXXX, XXXX. Name of the original debtor is XXXX XXXX XXXX. I had unemployment insurance on my credit card account, but it was not honored. Efforts to settle were declined. The initial amount of the debt has grown as well. Shortly after arriving in XXXX I began receiving numerous very threatening phone calls ( threats of arrest and jail time, repossession of my car, accusations of living beyond my means, having money hidden somewhere ). These calls took on a very ominous tone that left me very frightened and I began to ignore them. At one point after I began receiving those threatening calls I spoke with a local free legal service here in XXXX XXXX and for quite a while the calls and notices stopped.
However, since then the debt appears to have been sold to various collection agencies. The current one being Portfolio Recovery Associates, Inc. In addition to mailed notices I receive numerous phone calls at all hours of week days and week ends sometimes as early as XXXX or after XXXX in the evening. The caller ID does not register the caller, but they come from all areas of the United States and lately from my own area code. I have an app to follow these calls and block them, but it does not stop the calls. I contacted XXXX XXXX, but they did nothing, claiming it is after all a legitimate debt. However, it is over 14 years old.
I want to put a stop to this.
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| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Several federal violations pursuant under 15 U.S. Code 1692 were committed by Portfolio Recovery Associates, LLC dating XX/XX/XXXX through XX/XX/XXXX. I never gave consent for Portfolio Recovery Associates, LLC to communicate or contract with me. As a federally protected consumer, I requested valid proof of the alleged obligation several times and never received said validation. In XXXX of XXXX, Portfolio Recovery Associates, LLC reported this alleged debt to XXXX, XXXX and XXXX consumer reporting agencies violating my federally protected rights as a consumer pursuant to 15 U.S. Code 1692 and wreaked havoc to my credit status. I filed complaints with XXXX XXXX XXXX of XXXX XXXX XXXX, State of North Carolina Dept. of Justice, and Commonwealth of Virginia Office of Consumer Affairs. On XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC stating that they filed a Universal Data Form electronically requesting that the three consumer reporting agencies update PRA 's trade line for alleged account on my credit reports. On XX/XX/XXXX the debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices from the federally protected consumer seeking monetary relief pursuant to 15 U.S. Code 1692k. I'd like closure to my requested remedy according to damages sustained and regulated under 15 U.S. Code 1692. There is no statute of limitation for fraud.
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| 01/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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My wife handled all of our bill paying up until she XXXX last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXX Bank and Portfolio Recovery Associates. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
|
| 11/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
during 2014 I purchased some window treatments from XXXX XXXX company and returned the entire purchase. the store employee was new to XXXX XXXX and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed.
Nearly one year later Portfolio Recovery contacted me by phone ask me to pay the XXXX bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from XXXX XXXX or an itemized document of purchase.
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that Portofolio Recovery is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ).
clearly under the new guidelines that the CFPB has established for debt collectors it seems that Portfolio Recovery is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from XXXX XXXX that shows I owe any money to them.
|
| 10/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 06/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it. Claim number: XXXX Ch eck Number: XXXX Check Amount {$30.00} Check Date X/XX/2017 . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They 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, they 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 they are required to promptly DELETE all information which can not be validated or verified.
|
| 09/13/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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My Name is XXXX XXXX, I would like to file a lawsuit against Portfolio Recovery.
I was just denied for an apartment for me and my XXXX daughter. I asked the management office the reason for the Denial she told me a new collection from portfolio recovery. I told her that it is not new and it was getting ready to fall off.
When I checked my report I saw that Portfolio is reporting the collection as new XX/XX/XXXX. I went ahead and check a few old reports and I see that Portfolio has erase each Month and would only report the current month as if it was a new collection. I spoke with XXXX and the representative told me that the collection is new. I told him that it is not possible he then replied by saying that is what the collection agency is reporting and asked for me to contact Portfolio Recovery.
Portfolio continues to violated all laws of the FCRA and insist on reporting incorrect and inaccurate information with is a violation of my rights. This has caused me financial harm as I had to pay for the application that is refundable. I can provide proof of many credit report where they report XX/XX/XXXX, then delete XX/XX/XXXX, then delete XX/XX/XXXX report XX/XX/XXXX. The pattern is they delete every prior month so that it appears that the collection is new, causing my credit score to decrease.
My next step is to file a class Action law suit. I am also part of a law suit filed in California where they repeated called my telephone.
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| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately.
At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification.
So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt.
They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX
|
| 11/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left.
I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION.
It appears they are to stupid to comprehend that simple English statement.
They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages.
In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time.
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago.
With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years.
Any future contacts from them to us will be met with the most harsh and hostile reception possible.
|
| 01/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have a XXXX XXXX account that due to a financial hardship went to charge off, I contacted XXXX to find a solution. They offered me a settlement to pay a reduce amount of money and just close the account, the settlement was for {$310.00} when the balance was {$770.00}, now I had no money, but I informed XXXX XXXX I would call in a couple days to pay it, they told me the offer was good for the rest of the month.
A couple weeks later, I called again to pay the settlement, I was informed the account was sold to a debt buyer Portfolio Recovery Associates. I contacted this company multiple times until they were able to access to the account, when finally, they were able to access to my account they said the XXXX XXXX offer had expired and they can not honor. They said they purchased the debt so now they can ask for a different amount. I asked the dollar amount account was sold for, but they refused to answer that question.
This is an unfair practice from XXXX XXXX and Portfolio Recovery, unfair because XXXX XXXX sold the account before the settlement offer expires and unfair from Portfolio to do not honor the offer and do not release the sale dollar amount. I completely understand that Portfolio Recovery is in the business of collection unpaid accounts, but they would do a lot of profit on my account even if they honor the XXXX XXXX settlement and if they think I am wrong they can proof it showing the dollar amount of the sale.
|
| 12/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get frequent calls from collection agency every day sometimes twice a day every day of the week including sundays. I have answered the call more than once. They state the line is being recorded they ask my name & I verify. Then they ask whats my address. I am not comfortable verifying that because no one says who they are calling for who they work for what is the matter regarding until I verify my address. I have asked to be removed off the call list since a lawsuit has already been placed against me & the calls keep coming. I have blocked numerous numbers from the agency but they find another number to contact me from. This is harassment Ive told them several times I am unemployed & If I did get my hands on money I need it to SURVIVE but the basic needs like food to keep a roof over my head & the agent rudely says well you shouldnt have used the credit card if you couldnt pay us back. The people who are constantly calling when I do answer have no manners are rude and have no sympathy towards people who are struggling. The only peace I get is when I can not afford to pay my {$30.00} phone plan and the calls arent coming in. I just want to stop being harassed. They have already set a civil suit against me for XXXX 2020 why must you still contact me twice a day ( back to back ) for a week straight. As early as XXXX & as late as XXXX to ensure their within the legal tome frame. But these excessive calls have got to be harassment.
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
portfolio recovery is continuing to report inconsistent information between XXXX XXXX and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I have frozen my account with XXXX and I have paid for another service {$300.00} dollors to Montor my account yet addresses and phone numbers and places and stuff r still being added to my account I don't u understand this at all and I don't even have a XXXX XXXX card and yet it's charging me late fees every single month cause of this women XXXX XXXX XXXX whom over never in my life seen nor met got a old phone number of mine and decided to become me and had made my life a living XXXX four years now and all the police do here in XXXX New Mexico is right a report about it she changes everything my utilities my health insurance hacks everything I have my phone emails social media sites I have nothing that's mine too myself anymore I mean complete physco case her obbssed steals my pictures or of my phone steals me know every place I move every time I change my number she gets it's written a freaking day we've switched phone services 4 times already and she has found my number written 2-3 days now if that's not as little wat to much idk wat is and the police just write a report and she's just destroying my credit and getting away with it she tried 8 days ago to steal {$36000.00} dollors out of my checking account and XXXX off my credit card that's why I don't list it on here cause she still gets on XXXX and changes my information thxs for ur time her number is XXXX XXXX XXXX if you have any way of helping me get rid of this person
|
| 05/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Portfolio Recovery Associates alleging I owe a debt. The details in the letter are not familiar to me. I called the number on the letter and spoke with XXXX. My plan was to request verification of a debt PRA alleged I owe. XXXX refused to do so with me, claiming she could not verify my personal information. The address I read to her was the same address on the letter that PRA sent to me. She claimed this address ( that the company she worked for sent a letter to ) was not correct and wanted different information. As I do not believe I owe this debt, and I am a previous victim of identity theft, I do not wish to hand out my personal information, especially to companies I do not do business with. XXXX transferred me to XXXX XXXX, an Operations Manager. He also refused to verify the debt with me, he again claimed that the address that the company he works for sent a letter to was not correct, and he refused to verify the debt with me, or put a letter in the mail verifying the debt. I told XXXX I would be submitting a complaint with the CFPB as a result of this phone call and he acknowledged that. The only acceptable personal information to them was my SSN or my DOB. I don't give out my personal information to unfamiliar people or companies, especially information of a sensitive nature. Additionally I found it suspicious that they were not able to verify with the information on the letter that PRA sent out.
|
| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Let me be clear : If Portfolio Recovery Associates , LLC does not comply with what i am demanding, i will receive legal counsel and Portfolio Recovery Associates , LLC will be held accountable to 15 U.S. Code 1692k. This is the final warning. I have done nothing but be patient and i have given Portfolio Recovery Associates , LLC time to fix their multiple mistakes. First Portfolio Recovery Associates , LLC has now broken a cease and desist violation 15 U.S. Code 1692c ( C ) as they have now sent me a letter in the mail regarding another alleged account. When i asked for a cease and desist that was for the whole company Portfolio Recovery Associates , LLC operates. My federal rights has been violated. Second as described in complaint ( XXXX ) by PRA : Because we purchased the account and contract XXXX XXXX XXXX had with XXXX XXXXXXXX to pay the balance due, no other contract between XXXX XXXX XXXX and PRA is required to validate the account ''. This information is nothing but hearsay as PRA has failed to provide ANY contract with my signature on this alleged account. PRA continues to make false or misleading representations about me as they have provided no legitimacy to their alleged claims. I demand to see this contract with my signature on this alleged account. If PRA cant provide this information I demand PRA to close this alleged account, cease collection activity, and not to report to ANY credit bureaus. Cease and desist.
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised.
1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report.
2. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report.
I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX Arizona unfortunately has to provide.
These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
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| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I owned two XXXX XXXX? XXXX XXXX XXXX accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to Portfolio Recovery Associates I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ XXXX monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices.
In XXXX I received a letter stating that the accounts were sold to Portfolio Recovery Associates. I have since informed Portfolio Recovery Associates that my accounts were paid to the original creditor ( XXXX XXXX/ XXXX XXXX XXXX ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. Portfolio Recovery Associates has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.
|
| 04/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX and they've called me as early as XXXX XXXX on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove tminactuaoly owe this debt. Company is called Portfolio Revovery Associates in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.
|
| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
Portfolio Recovery they do nothing but harass to try to collect a debit. They use different phones from all over the United States. When my bank wrote off this debit in XX/XX/XXXX all they had was my cellphone number. XX/XX/XXXX I changed my cellphone number. they then started to use my home phone number which is listed. For 6 years now Portfolio Recovery is doing nothing but to harass. I also believe that Portfolio Recovery is being manipulated by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. ( XXXX ) XXXX. XXXX XXXX is an identity thief. She had gotten away with identity theft on the two credit cards that Portfolio Recovery is trying to collect for. She owns the XXXX car dealership XXXX XXXX that I worked for 20 years ago. XXXX XXXX is a harassment queen. For the last 4 years an investigator for the Iowa Attorney General has been working on a case against XXXX XXXX and XXXX XXXX. This phone number XXXX XXXX is from XXXX Iowa. In XX/XX/XXXX XXXX XXXX was using the indentity of a XXXX XXXX from XXXX Iowa and acting as a regional manager for Iowa XXXX XXXX. I turned her into XXXX in XX/XX/XXXX. On the XXXX website it just shows this number as suspected spam telemarking. This was the number that was put into my caller ID. I have call rejection on my landline phone and the call rejection and the last number called is a number from XXXX XXXX. That number comes back at XXXX as a XXXX XXXX. with complaints as Portfolio Recovery.
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| 09/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Portfolio Recovery Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement and any other supporting document you may have that I have willingly entered into any sort of agreement with PORTFOLIO RECOVERY and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & Portfolio Recovery. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you.
Unless Portfolio Recovery can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.
Thank you for your time.
XXXX XXXX
|
| 01/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have a collection account from XXXX XXXX XXXX XXXX on all three of my credit reports in the amount of {$17000.00}. XXXX XXXX XXXX XXXX is failing to properly validate this debt. I originally disputed the account thru XXXX XXXX XXXX and the collection agency sent me a letter on XX/XX/XXXX saying they closed the investigation and attached a credit card statement, which ( in their words ) established its validity. On XX/XX/XXXX I once sent a certified letter of validation and asked they provide me with the contract bearing my signature from the original creditor that i have a legal obligation to pay them. I also asked what method of verification they gave the credit bureaus regarding the accuracy of the account.. On XX/XX/XXXX they once again sent me a letter stating they have completed their investigation of my dispute, attached credit card statements which ( in their words ) established its validity. They sent me the same letter on XX/XX/XXXX with same credit card statements. On XX/XX/XXXX they sent a letter that they have reviewed my dispute and their records indicate they have already responded to a previous dispute that is the same as my present dispute and because of my dispute alleges no new facts an includes no new information they will not be conducting another investigation if they receive subsequent correspondence from me regarding a dispute that has already been resolved. Their office considers this matter closed.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
requested to have this information removed several times after it was paid and contacted the company which the number listed with them was not going through and the original company had no knowledge if being sent to collections - as I was current and paid.
I have disputed this to be removed and all would get back is it has been verified and updated. by XXXX several times.
{$230.00} XX/XX/XXXX open date - XXXX XX/XX/XXXX Last reported. - XXXX I requested to have information verified and to send all the information requested from the date the account opened to current in which I wanted to know how this account accumulated to this amount and I needed the Original Signed contract and still did not get any information and this information is on my credit reports did not match at all.
I have Disputed these below several Times which again I get the Has been verified and updated with no proof.
{$740.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - open date XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - last active XXXX XX/XX/XXXX - open date XXXX XXXX last active XXXX {$2500.00} XXXX open date XXXX XXXX Last active XXXX {$1500.00} XX/XX/XXXX - open date XXXX XX/XX/XXXX - Last active XXXX I asked to have information verified and then the companies XXXX, XXXX XXXX XXXX would respond Verified and Updated but I have no documents as proof.
{$2000.00} XX/XX/XXXX - Open date XXXX XX/XX/XXXX - Open Date XXXX XX/XX/XXXX - Open Date XXXX
|
| 06/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
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I spoke with an XXXX and XXXX XXXX and an operations manager who identified himself as XXXX XXXX, which is same voice and used different name? at Portfolio Recovery Associates. When I spoke to the representative I advised XXXX to not call me that I would like to place a verbal cease and desist and do not call me again. XXXX responded to me by telling me I have to send it in writing, he was extremely rude and condescending ( I have the call recordings in which I could prove it, plus they stated it is being recorded so they should be able to provide those recordings to me ) When I asked to speak with a supervisor I was transferred to XXXX XXXX who kept stating the same to me, was rude to me and terminated the call when I was not using profane language. I called back and that is when I asked to speak with a director and was transferred to XXXX. I kindly asked XXXX that I will like to not receive any calls and cease and desist my number and any other numbers listed, I verbally advised him to not call me he then stated I will need to submit that in writing other than that they will continue calling me. I asked if he would continue to harass me with calls after I requested to not call and manager responded yes collection calls will continue without Mini Miranda given. This representative/manager caused me to get extremely anxious and I am not having XXXX thanks to the rudeness and harassing condescending tone of these employees.
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number.
Original amount owed, including a complete payment history, starting with the original creditor.
Finally, Documentation that indicates that I agreed to pay someone this sum of money.
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase.
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor.
Copy of the contract that states I promise to pay this back from the original creditor.
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.
|
| 02/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a complaint with you regarding this Portfolio Recovery Associates. My complaint number was This complaint lists someone the company does not recognize as their customer or their customers authorized representative.
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information.
Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney.
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The response from this company is false. Which play right into the discestives practices that ensues them. This is NOT A FINANCIAL INSTITUTIONS. THEY ARE A JUNK BUYER. They have refuse to produces and sign documents that I came into any business dealing with them. Once again because of there hiding behind laws and privacy act that does not action pertinent to them the have continue to damage me and my family.
|
| 07/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Portfolio Recovery has been calling everyday day, 2 to 7 times a day, for well over a year claiming to have bought an old debt of mine from 3 and a half years ago from XXXX XXXX. I still have an active and paid on time XXXX XXXX card. They call from different numbers throughout the day so trying to block them or report them to the do not call registry is getting me nowhere. I have run the gambit trying to get them to stop ... .Ive tried ignoring the calls, reporting the calls, answering the calls to let them know they are misinformed, answering with yelling and profanity, picking up and hanging up and worst of all finally just getting the information and trying to pay them off to go away all to no avail. They have called under " Portfolio Recovery, just XXXX, CT, XXXX Service, XXXX RI, XXXX XXXX, CT '' and on and on all most if not all are from different numbers. They've called 3 times today in 7 hours just today. Any issues I may or may not have had with XXXX XXXX over 3 years ago have long since been resolved or I wouldnt have an account with them now. These someones want to harass someone into the ground to make a buck off of them. These people need to get a real job like myself ... .a XXXX, a XXXX XXXX working to help our sick residents and potentially not only exposing myself but my loved ones at home. Im so angry! Make them stop IMMEDIATELY! If it hasnt stopped by Monday ill be moving on to more permanent options.
|
| 09/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts.
XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company.
XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again.
Collection agency seemingly don't or won't. Which confuses me more.
XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without.
XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report.
XXXX ) someone is not telling the truth or being on the level, and it isn't me.
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to any of my letters, by providing the required proof.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
|
| 03/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In XX/XX/XXXX, I received two letters from XXXX XXXX XXXX XXXX asking for payments for two XXXX XXXX accounts. After checking my XXXX Credit Report and my XXXX reports I noted that all of the information about the two accounts that Portfolio was trying to collect on were not verified by credit card numbers ( the credit card acct. numbers in question had between 2 and 6 first numbers of existing accounts correct ). The original banks that issued that issued the cards and amounts owed differed completely from my Credit Reports. The original accounts that I had with XXXX XXXX had all been opened in XX/XX/XXXX and all three of the accounts from that time were on my Credit Reports. Portfolio was also calling my elderly mother 's house on the average of five times daily. I also could see that Portfolio had referenced my credit report every month starting in XX/XX/XXXX and knew the accounts they were trying to collect on were not valid. I disputed their claims with the above information and they mailed a letter to me saying the information was not new to them so they were rejecting my dispute. The address for this company is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. The telephone number is ( XXXX ) XXXX. Their e-mail address is XXXX. I have spoken with lawyers about this problem and even though I am deemed Uncollectible due to source and size of my income, I see this as a social justice issue that needs to be reported.
|
| 12/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have filed a complaint against this company before, complaint # XXXX. On my complaint, I stated : " On XXXX 18th_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec XXXX ''.
The company responded. on their response, this company claims that they are able to provide validation documents. The statement they sent shows an account ending in XXXX and they are saying on their response to CFPB, XXXX purchased the XXXX XXXX credit card account ending in " XXXX '' on or about XXXX XXXX, XXXX. This proves that this account is unsubstantiated and unverified! What made you and this company claim that you verified this account and investigated it??? Furthermore, the company is reporting the status of the account incorrectly! They are reporting the status as " open '' instead of " collection ''. They have violated the California Credit Reporting Act. These violations had caused my credit to be harmed more than legally permissible. I am more than willing to get my legal counsel involved in this matter if this will not be resolved.
|
| 11/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Portfolio Recovery Associates ( Hereafter PRA ) and I came to a settlement agreement on an account on XX/XX/XXXX. They emailed me the settlement agreement, and I immediately paid the account upon receipt of the email, during the same telephone conversation. I then initiated disputes with the 3 credit reporting agencies on this account.
On XX/XX/XXXX I received the results from my dispute with XXXX on this account. XXXX was updated by PRA to show that it was still an open account with the balance reduced from the initial {$1200.00} to a new remaining balance of {$360.00}. The amount of settlement agreement was {$850.00}. Using rounded numbers ... XXXX.
Rather than updating the account as settled or closed, PRA now lists the difference between the full balance they initially requested and the amount agreed upon by settlement as a past due with balance remaining.
PRA can not claim ignorance as I made the payment in Lump sum. They chose to validate my dispute with the CRA to the balance remaining.
When I contacted Portfolio about these issues, the initial customer service person I spoke with stated that it was correct, but after I persisted transferred me over to the disputes department. The gentleman there told me to call back in a few days after they had a chance to investigate it. I will follow up later, but it should never have been an issue as they chose to update it incorrectly when it was disputed with XXXX.
|
| 11/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio Recovery Assosciates, LLC This is XXXX XXXX, I'm reporting Portfolio Recovery Assosciates several different laws broken against me in result to collect a debt. XXXX XXXX I sent a debt validation letter to Portfolio Recovery Assosciates them to validate a debt allegedly owed, I asked them to send me the following information to verify the alleged debt belongs to me. I asked them to send me the following information : 1. State the money they said I owed. 2. How did they come to determine that amount. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what they said I owe. 4. Show proof that the statue of limitations have not expired. 5. Provide proof that they are licensed to collect in my state ; provide license number. 6. A valid, legible copy of the agreement stating the debt and interest charges. In result, Portfolio Recovery Assosciates DID NOT provide proof that the statue of limitations did not expire, Portfolio Recovery Assosciates NOT provide proof that they are licensed to collect in my state, Portfolio Recovery Assosciates NOT provide information about how they determined the alleged amount owed. Portfolio Recovery Assosciates broken SEVERAL LAWS AGAINST ME!!!! The following consumer laws have also been broken, 15USC 1692 ( J ), 15 USC 1692 ( B ) ( 2 ), and 15 USC 1692 ( E ) ( 10 ), 15USC 1681 section 604 ( A ) ( 2 ) 15USC 1681 ( C ) ( A ) ( 5 ) 15USC 1681 ( A ) ( 1 ).
|
| 10/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from Portfolio Recovery in the amount of {$2400.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, Portfolio Recovery is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
|
| 11/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help ....
Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
1. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692a for the abusive, deceptive, and unfair invasion of my individual privacy for the purpose of collecting an unvalidated debt ( see Exhibit A, B ).
2. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692b ( 2 ) for the obscene and profane language being used against me to collect a debt that is not validated ( see Exhibit B ).
3. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692b ( 5 ) by the use of their company logo within the contents of communication to collect an unvalidated debt ( see Exhibit A, B ).
4. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692f ( 1 ) for stating an amount of debt owed without validating or furnishing an authorized ( signed ) agreement per my request that created such debt ( see Exhibit A and B ).
5. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692c ( a ) ( 1 ) for communication with me, the consumer, at times of inconvenience without prior consent ( see Exhibit D E F G H I ) 6. In violation under the TCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC acted in willfully placing calls to the cellphone of me, the consumer, during times and place of work causing mental anguish and anxiety as a consumer listed on the do-not-call registry ( see Exhibit C D E F G H I )
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| 10/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted CFPB a few months back to try to get this negative account removed from my credit report and the representative from Portfolio Recovery stated that they don't remove tradelines after they are paid in full or settled.
After further investigation and looking on their website, which I have included the link to their website facts : https : //www.portfoliorecovery.com/XXXX It states per their website : Do you remove the account from credit reports after it has been resolved?
Yes. Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
I previously paid off my account with PRA. Are you going to remove it from my credit report?
Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
My account was paid in full for less than the full balance but it was not deleted. I am requesting that this tradeline be deleted from a
ll 3 credit reports. Please reference their FAQ 's link on thei
r website as it pretains to removing tradelines after the account has been resolved.
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| 07/09/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account.
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}.
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest.
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.
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| 07/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am being XXXX with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a XXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike Portfolio Recovery is trying to claim. Regarding XXXXXXXX XXXX that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. XXXX XXXX : XX/XX/XXXX - Present. Portfolio Recovery : XX/XX/XXXX - Present.
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| 03/28/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shock to see it was a collection account from Portfolio Recovery. I discovered this debt by viewing my credit report. This company never sent any correspondence to me for this debt, no validation letter, nothing at all. I have asked for a copy of the singed contract in question with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.
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| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I started receiving phone calls from a collection agency, Portfolio Recovery Associates, LLC. regarding a credit card that according to them was opened about 5 years ago. I informed the collection agency that the debt was not mine and I had no knowledge of the debt they were referring to. I informed them I have no idea who they are and that I never had an account with them. I advised them to send me documentation of what they were referring to. I received info from them that they bought an account in my name from XXXX XXXX. I have never had an account from XXXX XXXX and again they were told that this is not my account and I am disputing this bill. I asked them to provide any kind of information ( check payments, my signature etc. ) to prove this is my account. The only thing they sent were bills in my name. I have repeatedly asked for more proof but have not gotten any. I keep telling them I do not owe this debt and I have no knowledge of this debt -- -- -it is not mine!!!!! I am constantly being harassed by this company after I asked them to stop. I believe based on the FDCPA laws they are breaking federal rules. I am receiving harassing phone calls practically every day. They have put the collection on my credit reports. I have repeatedly disputed this bill to no avail. I need this to be removed from my credit reports as this is reporting negatively against me. Thank you for your prompt attention to this matter.
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| 05/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ].
THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX Portfolio Recovery Associates and account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall NOT furnish any information relating to a consumer to any consumer reporting agency if the consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.
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| 02/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my 5th attempt or more to resolve this issue with PRA. This company has falsified a response in an effort to close out this complain. As a consumer, this is a complete violation of the fair process that the CFPB provides. Additionally the company has sent additional letters to collect a debt that has not been validated and these were sent after I requested all communications to be ceased.
This company has only provided proof of my mailing address, without VALIDATION or competent evidence that I have any legal obligation to this alleged debt.
This office continues to report invalidated information to 3 Major credit bureaus ( XXXX XXXX, or XXXX ) and this action constitutes fraud under both Federal and State Laws : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Now that it is 30 days later, I demand Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) I am invoking remedy as a consumer, deletion of all alleged accounts ( ending in 2682, 5799, 6992 and 3759 ) from all credit bureaus.
I will provide every single copy of letters received, including those received after I requested to no longer be contacted, which is in violation of my consumer rights.
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| 05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Portfolio Recovery Associates and XXXX has continue to break the law knowlly. Portfolio recover associate are suppose to be collecting on a so called debt for XXXX XXXX. I have asked Portfolio recovers for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report.
XXXX does not have the right to continue to report any Portfolio recovery accounts on my credit report.
XXXX deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
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| 11/20/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
Servicemember |
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On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023
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| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt.
15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.
These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
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| 04/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Portfolio Recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC
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| 03/12/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account.
This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account.
Thank you in advance
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| 05/08/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2018 Portfolio Recovery responded to a letter that I sent to them and all 3 credit bureaus certified, to validate the negative item of {$1000.00} that they have been reporting on my credit report. I ask the credit bureaus and portfolio recovery to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. They continued to send me typed letters from their office stating that I allegedly owe the debt along with a contract that was not signed or dated by me. It was literally a blank copy of a contract. I never received notice to dispute the debt, they just went ahead and added without my consent or knowledge to my credit report, with no means of contact. The worst part is during our recent correspondence to validate the debt, despite having my correct address from the debt validation letters I sent certified, they still sent their response to incorrect addresses twice, how embarrassing! I was only made aware of this alleged debt after being denied credit due to this account affecting my score. I have tried my best to resolve this matter with them, now I am forced to file this complaint.
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| 02/17/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
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Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Portfolio Recovery Associates LLC ( PRA ) has been reporting false information to credit bureaus to damage my credit. They have {$33.00} listed in Payment History on my credit report. PRA claims the date they received this payment was on XX/XX/XXXX. I've shown this in an attachment titled XXXX dispute results, XXXX. I've highlighted the date and amount on this page for your convenience. However, this is false and impossible. PRA only received one payment from me on XX/XX/XXXX for {$440.00}. This is also shown in the Payment History section of the attachment.
For further proof, I also put forward the Request and Writ for Garnishment, '' which is dated XX/XX/XXXX. This was the initial judgment for garnishment on my income tax refund/credit. Within this attachment {$33.00} shown as a postjudgment cost. If this is the {$33.00} PRA is referring to in my credit report, they could not have received this payment in XXXX as they claim. PRA would have received it in XXXX because thats when taxes were filed. I've provided validation of this with two more attachments titled Garnishment Disclosure and Notice of Income Tax Refund used for Debts. As you can see in both of these attachments, they were dated XX/XX/XXXX.
In summary, PRA reported fabricated information to credit bureaus to damage my credit. This is unacceptable so I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.
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| 05/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Capital one has shared personal private financial information to a debt buyer in which I have not consented to my information being shared. It is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Capital one is also reporting incomplete and inaccurate information on the behalf of the consumer violating the consumers protection rights and have not shared the right to opt out of reporting. This debt is disputed and I cease and desist all communication from this company and all other companies who have shared my information which is a result of identity theft. the Gram-Leech Bliley Act requires financial institutions ; companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. I have also never received tax forms 1099-C The reporting status violates which conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act.
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| 05/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, I was contacted by Portfolio Recovery ( PRA ) regarding an alleged debt to XXXX XXXX XXXX in the amount of {$270.00}. XXXX XXXX XXXX ceased to exist in XXXX. I have no knowledge or information sufficient to render an opinion on the validity of this allegation. However, to the best of my recollection I have not entered into a contractual relationship with XXXX XXXX XXXX Indeed, since filing bankruptcy in XXXX, I have not sought or obtained any credit cards until within the last year, and only a secured CC.
I have contacted Portfolio Recovery several times to dispute this debt. No validation of the debt has been forthcoming. Demands to remove negative marks from credit reporting agencies have been ignored.
XXXX No proof of the debt has been established by PRA XXXX No contract between myself and XXXX XXXX XXXX or between myself and PRA, exists XXXX Portfolio Recovery states the account age as 1 year, XXXX months ; XXXX XXXX XXXX has been defunct since XXXX XXXX The entry at XXXX shows a reporting date of XX/XX/XXXX, not XXXX XXXX For the above reasons, PRA is in violation of Federal law Portfolio Recovery lacks legal standing for their claim. Their actions also conform to the doctrine of volenti non fit injuria, further invalidating their claim.
Portfolio Recovery must remove negative entries at all credit reporting agencies. This incident has caused an as yet undetermined level of financial harm.
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| 10/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted Portfolio Recovery Associates LLC about a debt from XXXX XXXXXXXX XXXX about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$XXXX} and I DO NOT OWE Them this.
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a 3rd part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
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| 03/02/2016 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements.
I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''.
After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt.
XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely.
There were several violations of the FDCPA here. More than I care to waste time going into.
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| 11/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX.
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies.
since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now.
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.
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| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was not aware i owed a debt on a credit card until it appeared on my credit by way of PORTFOLIO RECOVERY ASSOCIATES. I thought the account had been paid. At any rate, once i learned i owed the debt i wanted to pay it even though PORTFOLIO RECOVERY ASSOCIATES had placed the account on my credit without sending me a notice or to verify the debt.
That said, I was told if I paid the account for the settlement amount they ( PORTFOLIO RECOVERY ASSOCIATES ) would remove the account from my credit because technically they were in violation by not contacting me first. I asked for XXXX XXXX to put it in writing first- he did. To date the account has not been removed as agreed its showing that I made a settlement on the account Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX ....
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement.
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX.
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$310.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Comment Account paid in full for less than full balance
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| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery Associates agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from XXXX XXXX XXXX in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but Portfolio Recovery Associates left a balance of {$1300.00} on my credit report. It appears that Portfolio Recovery Associates is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a Portfolio Recovery Associates representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The Portfolio Recovery Associates representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that Portfolio Recovery Associates is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that Portfolio Recovery Associates is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that Portfolio Recovery Associates is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
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| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio Recovery Associates, L.L.C.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for Portfolio Recovery Associates, L.L.C.
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Portfolio Recovery Associates , L.L.C., has invaded my individual privacy under 15 U.SA 1692 A.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
|
| 12/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}.
They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account.
I contacted PRA through my lawyers.
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA.
PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it.
Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent.
Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later!
I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first.
I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.
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| 11/03/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
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| 07/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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portfolio recovery associates commits FRAUD!! XXXX has charged off my account because the insurance pays it after 90 days, the fact of the matter is PORTFOLIO BOUGHT INFORMATION AND NOT A DEBT!!! if PORTFOLIO would disclose to me what they paid for the information, then it would be lawful for me to pay this amount, but im not going to pay XXXX $ for something they paid XXXX $ for, in other words, I accept payment options on CONDITION that PORTFOLIO RECOVERY ASSOCIATES give me full disclosure in writing what they paid out of pocket for alleged debt, it hasnt even been proven as a " debt '' see below memorandum, this is clearly a misrepresenation of amount and they are in VIOLATION False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they arent ; or indicate that papers they send to you arent legal forms if they are. XXXX : XXXX The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you
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| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/22 at XXXX EST, I received a call from ( XXXX ) XXXX while at work, which was a number I did not recognize. I answered the phone, and there was a woman who asked my name, and I confirmed it. Then she gave me the last XXXX of my XXXX and asked me to confirm it. At that point in the call I did not verify and asked who she was/where she was calling from. She would not answer the question until I asked for the XXXX or XXXX time, and then she finally told me she was calling from Portfolio Recovery. Since I was at work I disconnected the call, as I was familiar with them and was surprised they were calling, as I had asked them to stop calling before and even changed my number. They tend to call from a different number every time they call. At XXXX the same night, I called them back at the number they called me on and told them I would like to make a plan to pay the debt within the next few weeks but they need to stop with the XXXX phone calls, giving them the example of not identifying themselves when they are asked to. The woman on the phone, who sounded like the same woman from earlier, proceeded to tell me that that is her job and this is what they are asked to do in their job, and that the phone calls will continue unless I commit to a payment plan today. I did not commit to a payment plan at that time because I did not want to validate the harassment tactics. That is why I am filing a complaint.
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| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, Portfolio Recovery, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.
|
| 11/01/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The 3rd party first kept calling me without me every, every receiving a 30day notice from them, secondly I did n't recall the account, I kept asking them never received anything from then, I then verbal told them i disputed the debt. I then told them the account wasnt mines, that It probably was a fraudenunt account. I asked for them to send me proof of my signature I took out this account XX/XX/XXXX or XX/XX/XXXX they gave me different dates. They told me they would dispute it, found out they never did. I then looked up the company sent them a dispute letter. They then started sending me an old statement XX/XX/XXXX, i told them that a statement was not proof that this account was proof that i owed it, when this was more of a fraud account, they refused to send me any type of proof. they put on my credit and told me that that statement was proof that I owed it. I asked them not to call me, they kept calling me and kept sending me letters stating that my dispute was invalid and that they sent me a statement back from XX/XX/XXXX that I owed the account. I found out they purchase the account and refused to send me out the correct information not did they ever send me out the 30day letter. The dispute department manager told us that the proof was they sent me a statement and that was good enough I owed the bill and told me do whatever i wanted to do when i told her this was against the law and she hung up
|
| 02/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates allegedly owns multiple collection " accounts '' impacting my credit score. It has been WELL over 30 days since I have disputed the debts, and submitted requests for my original contract with my original signature, an itemization of all billing on said accounts, as well as the the original purchase agreements that show they're the legal owner of the alleged debts, as well as all of the terms and conditions included in their purchase agreements.
None of this information has been provided to me, and it has been several months since I requested the information and disputed the accounts.
I receive well over 100 calls a month from varying phone numbers from Portfolio Recovery Associates. They have been early as XXXX, and late as XXXX. They call me on average 3-10 times a day, and most frequently at obsurdly late and early hours. I received one call from thr specifically at XXXX in this past XXXX. They are harassing me for debts they have failed to provide proof of ownership to, or proof of my responsibility for.
The account totals are allegedly as follows : XXXXXXXX XXXX {$2500.00} XXXX XXXX {$670.00} Their abusive calling tactics are classified as harassment, and their failure to supply the aforementioned information in a timely fashion while said alleged debts have impacted my credit score, warrants a settlement of no greater than {$1000.00} to be paid to me by them.
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| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have no agreement with this company, Portfolio Recovery Associates ( PRA ). Any agreement would be fraudulent, as I have never formed any kind of agreement with PRA. I have repeatedly asked for proof of an agreement between myself and PRA, and for about one year now, and PRA has been unable to provide any proof of an actual agreement, all PRA sends me is a copy of a a sheet showing a balance, they have yet to show me a contract or anything remotely close to an agreement. Yet PRA continues to fraudulently report two accounts that are NOT mine. Simply saying someone or some group of people owe money for an account should not be reason enough to publish on a credit report or such a like. Proof of an agreement should be required, which shows a meeting of the minds to form a contract. None of these requirements have been met by PRA, and furthermore these requirements have been requested and PRA has had approximately one year to provide the requested information and PRA has failed to provide any documentation or a like of any agreements between myself and PRA, as such these two accounts should be removed from all credit reporting. PRA has failed to meet more than two requirements of the FCRA. I will continue to file a complaint every 30 days, and in doing so the law will force PRA to use and lose their assets to try and explain their lie. I do not owe PRA anything and PRA will never get anything from me.
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I never gave Portfolio Recovery Associates ( PRA ) my personal and private information. It is apparent that they purchased an alleged debt from XXXX XXXX ( based on the derogatory information listed on my credit report ). While XXXX is permitted to purchase debts from an alleged creditor, they are not permitted, without the permission of the consumer, to purchase the consumer 's personal information, including but not limited to, the consumer 's social security number and other personal and private information. Not only did PRA violate my right to privacy but they also violated 15 USC 1692d - Harassment or abuse. Additionally, being that I never had a contract with PRA and never gave them permission to communicate with me, they violated 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt There are several other violations that PRA is guilty of, including but not limited to 15 USC 1692f - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
|
| 05/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response.
|
| 09/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PORTFOLIO RECOVERY, LLC is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.
This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied.
This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Portfolio Recovery, LLC has no claim.
I hereby irrevocably refuse to consent/contract to Portfolio Recovery, LLC agency because there is no law required for this consumer to do so. Until Portfolio Recovery, LLC agency can provide a lawful authority by which this consumer is subject to comply with submitting to Portfolio Recovery, LLC or jurisdiction in violation of my rights to be free of involuntary servitude.
This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Portfolio Recovery is hereby warranted to Proof of Claim in Arbitration.
|
| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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To whom it may concern, original creditor XXXX XXXX XXXX XXXX Unlicensed debt collector PORTFOLIO RECOV ASSOC I am writing to file a complaint against Portfolio Recov Assoc. This company is not licensed to collect debt in New York State, and they have been contacting me repeatedly about a debt that I do not owe. I have asked them to stop contacting me, but they have continued to do so.
I am enclosing a copy of the letter from the New York State Department of Financial Services that confirms that Portfolio Recov Assoc is not licensed to collect debt in New York State. I am also enclosing a copy of my letter to Portfolio Recov Assoc asking them to stop contacting me.
I believe that Portfolio Recov Assoc is violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Some of the specific violations that Portfolio Recov Assoc may be committing include : Contacting me about a debt that I do not owe Continuing to contact me after I have asked them to stop Failing to provide me with the required information about the debt Harassing or threatening me I would like the CFPB to investigate this matter and take appropriate action against Portfolio Recov Assoc. I believe that their actions are unfair and deceptive, and they are violating the law.
Thank you for your time and consideration.
Sincerely, [ XXXX XXXX ]
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| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report.
I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies.
I chose the word dispute to validate debts on my XXXX credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. XXXX inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and Portfolio Recovery Association and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do.
Actions Taken : I contacted XXXX on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I filed a dispute with all 3 credit bureaus. The incorrect information was not changed on my credit report. I emailed PRA on XX/XX/2019 letting them know that the account needed to be removed and informing them of the correct information. Still after this the account came back to the credit bureau as correct. PRA is reportint two accounts on my credit incorrectly. One for {$550.00} and the other for {$1300.00}. They are reporting seriously past due as a payment status and they are not an OC. They are a debt collector. Collectors can only report collection accounts. They are reporting a past due amount and they are a debt collector. They are reporting terms of 1 month. I have never agreed to terms with this company as they are a debt collector, no such contract exists and debt collectors can't report open terms. They are also reporting failed payment history. There is no payment history as they are a debt collector not an OC. These two accounts need to be removed from all 3 of my credit reports as I have notified the companies of their violations and they have refused to fix them. They are also reporting that they are correct. They are updating failed payments monthly which is also a violation as they are a debt collector and are causing further damage to my credit. I mailed documentation to them XX/XX/2019 showing the inaccuracies with a letter asking them one last time to correct these immidiately.
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was.
According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PORTFOLIO RECOVERY ASSOCIATES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PORTFOLIO RECOVERY ASSOCIATES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
|
| 02/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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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.
|
| 10/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2017, I was sent a letter from Portfolio Recovery Associates claiming I owe them {$790.00} to which they reported on all 3 of my Credit Bureaus as a collection account. I later contacted the Credit Bureaus letting them know I that this account was not mine, after that I contacted the company directly in written requesting the information that they held to verify that this was an account to which I own. They only sent me an itemized letter that can easily be fabricated, nothing with my signature or an agreement to pay what they are saying I owe. No detailed payment history saying what I own the money for or how they calculated it.
I asked for the statue of limitation on the debt to which they say I owe since they are reporting it in collections, I asked for proof they are licensed to collect in the state of South Carolina along with the license numbers of their Registered Agent or Agent of Service. To which they completely ignored and only sent another bill with the same itemized letter and saying they will no long respond to my request.
They have removed this account twice now and added it back to my Credit Bureaus in different amounts, they are harming my overall credit score and blatant fraud. I wish have this issue resolved and the account removed for good this time. I am prepared to take legal actions if need be but I'm contacting you to see if this can be resolved before litigation.
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| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Within the past few weeks, I have sent two separate letters to Portfolio Recovery Associates asking them to validate a collection they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of this account supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor.
Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested.
I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to.
Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit.
I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that.
The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it.
Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.
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| 04/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Within the past few months, I have sent several separate letters to Portfolio Recovery Associates asking them to validate two collections they have reported to the three main credit reporting agencies as belonging to myself. In both instances, I have asked for proof of these accounts supposedly belonging to myself by sending copies of the alleged SIGNED CONTRACT between myself and the original creditor. Portfolio Recovery Associates has ignored my repeated requests and simply sent bills. A bill is not what I have requested. I am requesting that Portfolio Recovery Associates send proof that the alleged account belongs to me by sending THE ORIGINAL SIGNED CONTRACT or have it deleted from my consumer report by contacting the three major credit agencies they have reported it to. Portfolio Recovery Associates has a history of using illegal tactics and also has several lawsuits filed against them already. I will not hesitate to follow suit. I have a legal right to see a copy of the SIGNED CONTRACT WITH THE ORIGINAL LENDER and I am demanding to see that. The legal burden of proof requires at least a copy of the contract signed with the original company when this credit card was supposedly accepted, and it's the collector 's burden of proof to produce it. Portfolio Recovery must show a SIGNED CONTRACT or delete this collection account from my credit report with all three of the credit reporting agencies.
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| 11/24/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. XXXX with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.
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| 04/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from Portfolio Recovery today XX/XX/2022. I have notified Portfolio Recovery Associates , LLC several times that the account they purchased from XXXX XXXX Bank ( XXXX XXXX XXXX. is not my account. I have attached the letter that they sent me today along with the letter I received from XXXX XXXX Bank. The letter from XXXX XXXX Bank clearly states that " XXXX XXXX Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
PORTFOLIO RECOVERY ASSOCIATES , LLC IS BREAKING THE LAW!
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| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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- UNITED STATES MINOR OUTLYING ISLANDS
- 30260
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Web |
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XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach may have got into the hands of the wrong person. I am begging for help at this point.
I demand these accounts be deleted immediately or I will pursue litigation.
On XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX, XXXX and XXXX upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.
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| 08/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal.
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX.
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed
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| 07/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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i have been harassed by phone and by mail, in which it is mail fraud, they have harmed me and my character financially for several years, this 3rd party debt collector ( PORFOLIO RECOVERY SERVICES ) falsely claims i owe them money b/c they bought several chargeoff accounts, which in fact were paid in full by the previous creditors insurance! they paid pennies on the dollar for these ( XXXX ) paid in full/chargeoff accounts and intends to fraudulently extort money from me, in which i have no contract with them or have never even had any dealings with them ai all!! contractually, one must borrow from that individual a certain amount o money in order to owe tem that amount of money, FACTS!! this company has always operated unprofessionally for a long time, many lawsuits have been filed against them for fraudulent behavior pertaining to their practices within the debt collection industry. i have been held back rom buying a home, getting other credit opportunites, credit offers and my reputation being tarnished only b/c they have constantly been reporting negatively and adversely on my consumer/credit report.i need them to stop harassing me by phone and by mail, i have sent them responses to their false claims and all they do is sell the same assumed debt to another one of their subsidiaries to start the fraud ball rolling again, i want them stopped, i want my credit report to be rid of XXXX XXXX!!!
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| 04/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Affidavit of Truth This is a notice to all that I, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXSC XXXX, swear and affirm the following facts. I invoke my specialized remedy as a consumer under Federal Law 15 USC 1692 of the Fair Debt Collections Practicing Act. As a Federally protected Consumer my privacy has been willfully violated ( 15 USC 1692a ). Portfolio Recovery Associates is willfully attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for Portfolio Recovery Associates to have access to my personal information, nor contact me, 15 USC 1692c ( A ). This is my final attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k. Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692e ( 2-A ). 4 ) 15 USC 1692g. 5 ) 15 USC 1692a. 6 ) 15 USC 1692e ( 5 ). 7 ) 15 USC 1692b ( 2 ). Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ). 2 ) 15 USC 1692c ( B ). 3 ) 15 USC 1692c ( B ). 4 ) 15 USC 1692c ( A ). 5 ) 15 USC 1692b ( 2 ). Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ) ..
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| 03/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Hi, I submitted a request for multiple accounts to be investigated on my XXXX credit report. XXXX will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements.
These statements I have received tells me XXXX has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract.
I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
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| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I called Portfolio Recovery Associates the week of XX/XX/17 to pay a XXXX XXXX credit card that had been charged off. The representative I spoke with gave me only three options : 1 ) Make one payment to pay balance 2 ) Split amount over 3 monthly 3 ) Split amount over 6 monthly payments. I asked the representative if I paid the full amount, would the account be removed from my credit. I was told that it could take the credit bureaus up to 30 days, but that the account would be deleted once it was paid. I gave him my payment information, which cleared my bank a couple days later.
Today I received an alert from XXXX that this account is being reported as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. This was not what I was told on the phone, nor did I agree to this. I was under the impression that I was paying off the account, and was specifically told by the associate at Portfolio Recovery that " once the credit bureau updated '' it would be removed.
I tried contacting them again to inquire about this, and spoke with XXXX XXXX, Operations Manager, who again lied to me and said that I was originally informed they would be reporting it as a settlement. I know for a fact that I was not told this information because I would have paid whatever the full amount they claimed I owed rather than have the account report as " repayed only part of the original debt ''.
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| 03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Portfolio Recovery Agency ( PRA ) is violating my rights. I requested validation of the debt. PRA sent information validating the debt. I disputed the accuracy of the information several times. XX/XX/XXXX PRA submitted information to CFPB that my Date of Last Activity ( DOLA ) is XX/XX/XXXX. PRA sent documentation ( enclosure 1 ). The documentation does not establish the DOLA. The first page from PRA files of the original creditor ( OC ) ( XXXX XXXX ) states that your behind by six payments the due date XX/XX/XXXX minus six payments will place the DOLA XX/XX/XXXX. PRA date of this information was XX/XX/XXXX. ( enclosure 1 ) I made a request to XXXX XXXX. I requested the information transferred and sold to PRA in which included the entire history of payments. The last payment made to XXXX XXXX ( OC ) is XX/XX/XXXX. ( enclosures 2 ) I compared the documentation from PRA and OC. PRA omitted the payment history in which establishes the DOLA. The OC documentation included the DOLA. ( enclosure 1 & 2 ) PRA documentation only show XX/XX/XXXX and no payment history or the DOLA. The OC documentation shows correct payment history without any omissions. ( enclosure 2 ) PRA is reporting to Equifax false information. Equifax is reporting the date of first delinquency as XX/XX/XXXX. The date of first delinquency according the OC is XX/XX/XXXX. Equifax does not show the date of last payment ( enclosure 3 ).
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| 03/26/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.
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| 04/01/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio Recovery put collection listed on my credit report all XXXX bureaus as XXXX/XXXX/XXXX. They have never ever ever contacted me regarding this debt. I have disputed this with the credit bureaus no less than 20 times. I have sent Portfolio Recovery a certified letter.
I dispute the validity of the whole account, I never had an account, I have no knowledge of anything that I owe. They refuse to delete the account. I just received a letter from them stating that in order for them to process my dispute, " I will need to send them information regarding my account so the Dispute Department can process the dispute ''. I have asked for a signed application and date, all statements, chargeoffs, disputes, payment history, authorized users, and other information. They have produced zero evidence, in violation of their consent agreement with the CFPB. I have also just discovered that Portfolio Recovery had filed a lawsuit against me, tried to serve me one time, and then dropped the suit ( premsumably looking for a default judgement ).
They dropped the lawsuit XXXX/XXXX/XXXX. I also had no information, knowledge, of there even being a lawsuit. No one ever sent me a letter or contacted me about anything, just a dump on my credit and lawsuit, and with XXXX disputes they keep dinging my credit report and can not produce anything for a XXXX account, but want me to send them some evidence of some type.
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| 06/09/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you
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| 06/25/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, I have sent several letters to PRA, LLC asking that they provide method of validation for a debt they claim I owe and has been reported to the credit reporting agencies. I have also requested that they send me original documentation that has my proof of signature for such account.
Intern, the company responds back claiming they 'verified ' the debt with the original creditor and it appears to be accurate. They told me that at the time of sale, the Seller provided an electronic file of the business record containing such information concerning the account. All they have provided me is a summary that was hand typed and some old statement from the creditor I would have to assume. There was no proof of the original creditor validating or certifying the debt. Nor did I receive documentation from the original creditor that has my signature on it. PRA has not 'Validated ' that the debt they claim to be mine. I am looking for 1 ) Method of Validation - who certified ( validated such debt ), contact information and the original documentation that has my signature on it. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all
documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. Please find attached responses from PRA.
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| 01/17/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolios failure to provide requested information for the debt alleged. Portfolio has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
On XX/XX/18, Portfolio responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by Portfolio. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
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| 05/02/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me.
XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX
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| 05/31/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Portfolio Recovery Associates has been calling me constantly on XXXX different phone numbers, maybe other numbers as well as my phone never stops ringing. I 've called all XXXX numbers back asking why they keep calling me. They want my name which I wo n't give them. I ask them who they are calling and the woman was very nasty and would not give me a name. She said she had to have my name. I know for a fact that I have nothing in collections and asked again why she was contacting me. She would not give me the name, she kept asking for my name. This company has been calling for months, several times a day. I do n't understand how they can call me and not tell me who they want to talk to. This is my house. I am tired of all the phone calls, they are harassing me and it has nothing to do with me. I never received any kind of letter in the mail regarding collections. I want this stop and do n't know how to get them to stop calling. I had another debt collector who continually called me. When I called them back asking why the calls they said they were looking for someone with the same last name as mine, however no one by that name lived here. They said they would stop calling. I ca n't believe debt collectors are allowed to contact people with the same last name on a constant basis and not even know they live there or not. Could you please assist me with stopping these phone calls.
Thank you
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| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. This debt is reporting in accurate and must be deleted. On XXXX this collection/charge off is reporting as an open debt with no history of payment. On XXXX this collection/charge off is reporting as open but in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX it is reporting as paid on time and then on XX/XX/XXXX it is reporting as 120 days behind. On XXXX this charge off/collection is reporting as closed and has no history other than XX/XX/XXXX and XX/XX/XXXX reporting as a collection/ charge off. You see this collection angency has reported different activity to all three credit reporting agencies and need to be removed for inaccuracies innediately. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
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| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.
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| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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Hello CFPB I was informed by my attorney that I could file a complaint on this site before taking action regarding FCRA and FDCPA violations against XXXX XXXX and Portfolio Recovery. I have the same issue with these XXXX companies. First off, they are both harassing me regarding an alleged debt. I've been getting disturbing calls and its causing me so much stress. Second, I have tried disputing information on my credit report. They are reporting different dates across all XXXX of my credit reports, such as date opened, date last active. Also the balance does not match the amount of the alleged debt they are trying to collect from me. I am tired of disputing these accounts, this is why I am reaching out to you because they claim to update the incorrect information on my reports but nothing has been fixed or deleted. This has been going on since XX/XX/2022 and I need your help to resolve this issue. Please reach out to these companies. I tried but they will not work with me in resolving # XXXX the harassment # XXXX the inaccuracies on my report. I also checked to see if they are licensed to collect in California and it doesn't seem like they are legally collecting here. Can you also investigate this for me? I do not owe this company any money. I have asked for verification with my signature and they have not provided anything that I am asking for. I hope to here from you soon. Thank you
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a aggressive, frightening and threatening notice from the company XXXX XXXX XXXX XXXX this week. Its some kind of fishing attempt to extort money from me. My first name is mis-spelled. And they claim that I owe {$1000.00} to XXXX XXXX XXXX.
I do have a XXXX XXXXXXXX XXXX credit card ( a brand new account opened in XX/XX/XXXX my limit is only {$400.00} and my name is spelled correctly ).
This " fake billing '' has nothing to do with my current/new account with XXXX XXXX XXXX Account.
My husband just bought a house in XX/XX/XXXX. And this is the second fake fishing expedition " bill '' we've received in oddly a version of my name only. Like they are trying to attack the wife/spouse? I cant remember the supposed name of the creditor in that first fake billing sent -- to our old address, and we don't have it either, but it was some place I have never done business with.
Furthermore, we haven't had any credit cards since the year XXXX,XXXX, XXXX. And we filed a Chapter XXXX in XXXX and then a Chapter XXXX from XXXX to XXXX when it closed. We were unable to get any new credit until the year XXXX.
We have just been able to repair our credit rating after 7 very long years, and now this type of XXXX starts to " show up '' attacking us.
We find it extra fishy that they claim to represent XXXX XXXXXXXX XXXX ... .and I just opened a XXXX XXXXXXXX XXXX account in XX/XX/XXXX.
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| 06/10/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities?
XXXX List this as a closed debt while Portfolio list it as an active account.
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
|
| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Date : XX/XX/XXXX Amount : {$660.00} I sent a written response to the collection agency on XX/XX/XXXX. I asked the company with a Section 809 Validating Debts of the Fair Debt Collection Practices Act requesting that the collection agency provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ).
I advised that I disputed this debt ; therefore, until this debt is inaccurate. They are still reporting the debt and have not provided me with the correct documents. I explained to the collection agency that they must immediately inform this debt is in dispute. Also explained that reporting information that you know to be inaccurate or failing to reporting information correctly violates the FCRA 1681s-2.
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I advised them to do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law
|
| 10/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have many issues with this collection agency.
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced.
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information.
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.
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| 06/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.
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| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
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We moved into this area in XX/XX/XXXX. XXXX issued anew phone number, XXXX. During the first six months we received calls from various debt collectors attempting to contact the phone numbers previous owner. After numerous explanations the calls stopped. The callers were apologetic stating that the only contact number they had for the woman, ( i can not even attempt to spell her name ), In the summer of XX/XX/XXXX we started receiving calls from Portfolio Recovery Associates, located at XXXX XXXX XXXX. XXXX XXXX XXXX. Their contact number is XXXX. After calls from several different area codes and numbers, I contacted their corporate office and the calls topped. They stated they would remove our phone number from their list. On XX/XX/XXXXXX/XX/XXXX, we again stared receiving calls from this company. They ask for the same name. I contacted their corporate offices again on that date and the woman stated our number would be removed. On XX/XX/XXXX we received a call from XXXX, one of their offices. This is a company that buys expired debt which has been written off the books of companies. My research indicates that they purchase this debt for pennies on the dollar, and attempt to make a recovery. I am retired from Federal Service and neither my wife or myself have a any debts. I do not understand while they continue to annoy people. Any help you provide is appreciated. Thank you XXXX XXXX
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| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency Portfolio Recovery Associates XXXX XXXX . On my XXXX credit reports ( XXXX XXXX XXXX ) . I have disputed this item many times myself, as well as XXXX XXXX XXXX ( which during this process it WAS removed from my report & placed back on without giving me any notice within 5 days ) only to have it still remain on my XXXX credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when Portfolio Recovery Associates XXXX purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a XXXX XXXX XXXX letter to Portfolio Recovery asking for VALIDATION o f this debt. A contract, signature, amount owed, how much they ( PRA ) purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL XXXX credit bureaus within a timely manner & to NOT be placed back onto my credit reports.
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| 03/31/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.
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| 11/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX is when I first saw Portfolio Recovery show up on my credit reports. I had not received a letter telling me who they were or why they were reporting on me. They continued to report for months to include another time that just showed up this week but shows that they added another account in XXXX?! This is a disgusting company that nobody would want to do business with for a number of reasons. The first is that they report on your credit before you even know we 've m who they are which seems unfair, they have been sued SEVERAL times die grimy reasons, and upon reading reviews when people so agree to pay them they do not send them the proper documentation or follow through on anything on their end. In addition the numbers they call from may them sound like a fake! I attempt to call back and it sounds like fraud. I do n't even know how they got my cell phone number to begin with! I do not have the bad accounts on my credit and have moved on for the better with that company. I have tried to dispute for the same reasons in explaining and all they did was quote a letter that they sent which does not address anything I 've said was n't fair! This company is a scam and I want all history of them removed from my credit report. I 'm young and trying to do right and these fakes are bringing me down with their unfair practices. I 've filled with the XXXX as well but please help me!!!!!
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| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX, I sent a debt verification letter to Portfolio Recovery to verify a debit they are reporting to the bureaus. There was not a inclusion of a written agreement and/or contract, but instead a bill.
On XX/XX/2022, XXXX MST I called Portfolio Recovery. Im expressed my concerns over the documentation I received to a representative. She expressed that she was not able to understand the subject matter and transferred me to and a manager. After communicating my grievance to XXXX ( manager ), he informed me that I was bound by my social number. I told him that they didnt send me any verifiable information other than a bill to link me to the account and it was illegal for them to report to the credit bureaus. He stated 3 times that they would send me more information and documentation. I immediately informed him that we now have much larger /significant issue because they were supposed to send my all of the requested information. I also told him that I wanted a copy of the recorded line for admitting to retaining information needed to prove it was not me. He denied my request and stated we will agree to disagree ; call back tomorrow and talk to the dispute office. And forced an end to the conversation.
This company is violating my FDCPA rights ( 1 ) for reporting to the bureaus without any verifiable proof the account belongs to me and ( 2 ) for withholding requested information
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts.
I have listed the debts below in which the re-aging occurred.
Portfolio Recovery - {$860.00}, last day of activity XX/XX/XXXX Portfolio Recovery - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX.
Portfolio Recovery - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX.
XXXX XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX.
XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX.
The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
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| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Portfolio Recovery Associates has used abusive and illegal collections tactics to collect a debt they can not verify with any documents. There is no contract or record of me signing anything. Portfolio Recovery Associates are reporting I owe them a debt of {$480.00} that has fluctuated in the past. The credit reporting agencies have no record of payment history, date of last payment, date of last activity or any information other than collection opened XX/XX/2018. That date has also changed in an attempt to re-age and extend the time they can report their false claims. Portfolio Recovery has broken the law and violated my rights.. Portfolio recovery has violated my right to choose how I would like to be contacted and violating FDCPA 806. Harassment or abuse.There is no date of last payment or last activity or any information linking me to a debt other than dates that constantly change. This is a violation of FDCPA 807. False or misleading representations and 605c .Running of Reporting Period :. Despite several attempts of reporting these violations to the 3 major credit bureaus. Nothing was done to preserve my rights. XXXX seems to have closed the account, but has not deleted as I requested. XXXX and XXXX are reporting the account in collections despit not having any supporting documents, payment history, signature or contract. I request that this account to immediately be removed.
|
| 04/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Since the shelter in place was ordered in Illinois, portfolio recovery XXXX has called my phone 3x A DAY. I shamed one operator for telling me I should borrow money from my mom, who is elderly and especially during a pandemic. I realize this is a debit to be collected on. However, the next phone call was 2 hours later. I told the next operator the same thing. I told her not to call my phone until AFTER everyone could return to work, that my husband is an essential worker and she is not going to get to speak with him. Now that call my phone just about every 3 hours. How to I know its them? After I hit the ignore button I call the number back. When I ask whose calling they either hang up or say theyll call back later. And they do. They clone XXXX numbers and then later call back on a spam line. I told an operator TODAY ( XX/XX/21 ) that their office has been sent a cease and desist. That someone should check their mail. Theyve told me well if you dont pay your bill your going to jail, and you have kids you dont want to be arrested in front of them do you? This is XXXX XXXX, I paid on that bill for 18 months before they called me and said I was in breach of payment which we never were ( I have the bank statements ) .yes a debit is owed, but this is harassment. During pandemic its illegal. We were in the process of hiring a lawyer to sue portfolio recovery before covid19. Please help.
|
| 10/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company.
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX.
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!!
We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously.
I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!
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| 07/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Have made previous complaints regarding Portfolio Recovery.
They received cease & desist order XXXX/XXXX/16. They violated order twice. Today call I missed ans. machine picked up, hang up.
I called the # back, Phone answered " Thank you for calling Portfolio Recovery, this is an attempt to collect a debt ... an operator will be with you shortly ... '' Spoke with a person named XXXX, advised her that I was recording the call, She informed me that she had no record of my name & ask if I was sure that that this was the phone that I received the call on? She stated that perhaps they were trying to contact someone else ( that is their tactic ) they always ask for someone other than myself ) I informed her that this was the 2nd violation since cease & desist order was in place & to take me off their list, also that I would file report w/ CFPB. Have also filed complaint w/ " Do Not Call Registry '' Since they have no record of me, it is not a debt collect. This is Phone harassment that must not continue! I keep a phone log of my calls & have a sound file of last conversation. The # I was called from was XXXX. Reporting these violations alone does not seem capable of stopping them, they are breaking the law not only w/ me but other consumers across the US ? Stronger enforcement is needed. I plan to seek an attorney to represent me in this matter. Here I am again one more complaint filed.
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| 05/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
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On XXXX at approximately at XXXX. I received a call from XXXX ( which is the name that appeared on my screen ). This man asked to speak to my daughter ( he did not identify himself ) and I proceeded to tell him that she did not live here. He asked if there was a better number to reach her at and I stated no. He paused for a moment and then said " XXXX '', it was very plain and loud. He then hung up. I called the number, XXXX and it was identified as Portfolio Recovery, a debt collection agency. I asked to speak to the Operations Manager or Compliance Manager. I spoke to XXXX XXXX, Ops. Mgr. I told her what had happened and she apologized. She asked that I call her back at her direct line to ensure she had all the info she needed. I called her at XXXX ext. XXXX and she answered and advised me that she had all the info to investigate. I asked if she pulled the call and she stated she had all the info. I asked that my number be removed and she stated that it already had been. At XXXX the same day I received another call from the same number but no one identified themselves and after a moment of me saying hello they hung up. I called XXXX XXXX back and advised her that they had called again and that she did not do what she stated. I advised her that I would need to contact my attorney and also file a CFPB complaint. Not only is this a FDCPA violation, but totally unacceptable behavior.
|
| 10/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX To Whom It May Concern : Portfolio Recovery Associates XXXX LLC/XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Remove/or verify account I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
|
| 02/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This was an XXXX XXXXXXXX XXXX, I placed my the cards which were in a mini case in my jacket pocket after shopping in XXXX XXXX XX/XX/2017. I then went to XXXX where I XXXX I didn't realize that the cards were missing until months later ; approx 5 to 6 months later when I looked in my wallet and they were not there. After rambling, I remembered I put the card wallet in my jacket months earlier to make a purchase. I logged online and saw several charges from XXXX XXXX that were not mine. I contacted the creditor to advise that these charges were not mine and advised why I was stopping the auto pay. I'm not sure if the card fell out at XXXX or somewhere downtown when I was walking to my car. At the time that I viewed the accounts online the amount charged was approximately {$3900.00} with XXXX XXXX, this is what raised a red flag. I never charged that much and had the account set up on auto pay to pay the minimum charge each month. I was basically using tip money to pay for miscellaneous expenses therefore, I wasn't charging on this cards. After no contact from XXXX XXXX when I disputed the charges, the account was sent to Portfolio Recovery Associates LLC. I have spoken with them and advised that the debt was not mine. They sent packet information along with some print out receipts. I must file a report to go along with the information that they sent to me to dispute these charges.
|
| 05/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A customer service agent from the original creditor XXXX XXXX reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
|
| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
|
| 01/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
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After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters.
I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.
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| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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COLLECTIONS {$2100.00} Reported balance PORTFOLIO RECOVERY {$2100.00} This account was in bankruptcy and closed out by XXXX. Once I came out of bankruptcy this is the only account that came after me reopening the account saying it was just opened. had phone calls with Reps at this company and was informed it was paid in full, when I asked for documentation and they sent the email ( not sure I still have ) that the account was paid it full ... they then came back and said oh, no we made a mistake it was a different account that was paid in full. I contacted them multiple times, asked that it be removed after I was told it was removed and paid in full. It is showing paid in full and closed with other reporting agencies. then they told me it was the wrong account that they told me was paid in full and kept it on the report. I also advised that I owe the IRS first with a tax lien of over {$20000.00} and am on a modified payment with them based on income. I have no money to pay that bill before I die, as the IRS has first shot at their money.
Why is the account showing paid in full on other reporting agencies and they are keeping it open on some. Again it was in bankruptcy, they had the chance to appear in Bankruptcy court and stake their claim ( XXXX ) they did not and so account was closed. Portfolio reopened the account and said it was then opened after the fact which is a lie.
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| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am so displeased with the way my information was used by Portfolio Recovery Associates. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same.
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times.
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
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| 06/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/20 I requested ; Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt From portfolio recovery. As of XX/XX/20 I have yet to receive NONE of the requested documentation let alone ANYTHING that could validate this account. If I am indeed the person you seek then providing these things should not be an issue. As you can see it is BEYOND the 30 days allotted by law. I have no problem seeking legal counsel to protect myself from this company. They have refused to validate the account. They also have refused to remove this account from my credit seeing as though they cant validate it. They have chosen to continuously violate my consumer rights. Keep in mind I sent a debt validation letter TWICE. While I prefer not to litigate I will use the courts as needed to enforce my rights.
|
| 09/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report!
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth.
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits.
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!
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| 05/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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|
Web |
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Continued phone calls on personal cell phone and a company issued cell phone. When calling the number I was told it was Portfolio Recovery regarding a " couple '' debts owed. I asked what debts they were I was told a XXXX XXXX account and XXXX account listed under a bankruptcy. I informed them I asked in writing for proof of debt and proof that they owned the debt, approx. 3 years ago, I was told I had to ask for it in writing. I informed them again I did not owe a debt to XXXX XXXX and if I did have a account listed under bankruptcy it was illegal for them to collect. I was then told they did not know what I was talking about, they are not trying to collect on any debt under a bankruptcy, this was all said during the same phone call. Portfolio Recovery was trying to collect on a debt under a bankruptcy until I told them it was illegal. I filled a bankruptcy in 2002, how can this company even have information regarding accounts listed on that bankruptcy. I have been dealing with harassment from this company on and off for over 5 years. How can they be allowed to do this. I ask for validation of this debt in writing over and over. They never send it, then continue to tell me I have to ask for it writing. I do everything I am suppose to do, they do everything they can not legally do, yet I have to put up with the harassment. When will something be done about this company ... ...
|
| 04/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American |
|
After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them.
Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months XXXX. XXXX XXXX XXXX XXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor XXXX XXXX XXXX ).
I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of 07/29/20 provided by PRA, LLC.
|
| 05/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud?
I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them.
This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( partial account # XXXX ) The original creditor XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Portfolio Recovery Associates as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Portfolio Recovery Associates to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Portfolio Recovery Associates. I did not consent to any sale of any information between Portfolio Recovery Associates and XXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to Portfolio Recovery Associates I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Portfolio Recovery Associates threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Portfolio Recovery Associates any monies realted to any alleged debt.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them.
Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months ). XXXX XXXX XXXX XXXXXXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor ( XXXX XXXX ).
I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of XX/XX/XXXX provided by PRA, LLC.
|
| 11/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Portfolio Recovery A {$1000.00} Portfolio Recovery A {$490.00} I challenge the accuracy, compliance and reportability of this listing.
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 06/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.
|
| 01/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I sent a letter to a collection company that is trying to collect an alleged debt of {$1400.00}. I request verification of the alleged debt pursuant to my rights under the FDCPA. I request a copy of a signed contract and I also request the cease and desist of all collection activities including credit reporting and to delete any and all reporting made to any consumer credit reporting agencies. They failed to address my very specific legal request and are in clear validation of the FDCPA.
1st, they failed to obtain and send me verification of the alleged debt by not mailing me a contract or an agreement with all parties involved. Instead they sent me a letter with " a summary of the information listed in the alleged file ''. This is not what I requested and under the FDCPA it is unfair or unconscionable that they attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating debt permitted by law. Also my personal information was released without my consent to a third party.
2nd, they failed to cease and desist and delete the credit reporting of the disputed alleged debt. Under the FDCPA, it is false, deceptive or misleading representation or means in correction with any debt to communicate to any person ( consumer credit reporting agencies ) credit information that is known, or which should be known to be false
|
| 09/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is PORTFOLIO RC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have called these 3 companies over and over again, I do not have a legal debt with none of these companies but they are asking for money. I am not going to verify myself to a stranger. The debts I had was all charged off. I have never did business with them and I have never verbally agreed to paying them anything. What they are doing is illegal and all I want is this mess off of my credit. PORTFOLIO RECOV ASSOC Phone ( XXXX ) XXXX is on my credit report twice with all three credit company 's. They say I owe a balance of {$1300.00}, and {$2200.00}. This has been on my credit report for the last 6yrs, almost 7yrs and I want it off of my credit. XXXX XXXX XXXX XXXX {$3600.00} Phone ( XXXX ) XXXX - Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX. The XXXX has been deleted with XXXX and XXXX. But it stands with XXXX. I have went back and forth with the credit companies and they have advised me to follow up with Consumer Financial protection. Collections agencies buys these debt and buy it in a huge portfolio. I do not have a contract with these companies. All my past credit cards have been charged off, so I want these collections off of my credit.This debit was sold to a collections agencies, I didn't agree for the creditor to sell to a 2nd and 3rd party. Nor did I sign a contract. I have no regulations of what these collection agencies are trying to collect.
|
| 06/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I reporte d Portfolio Recovery bo th here & to the FTC on XXXX / XXXX / XXXX , yet 2 months later, they continue to call constantly anyway. They call daily, sometimes several times a day, using differing phone numbers making blocking these creeps nearly impossible. I have read that this company is a collection agency that fraudulently tries to colle ct debts that are not owed. They purchase accounts that have already been paid, settled or discharged by bankruptcy and illegally attempt to collect a debt that is not owed to them or anyone. I fully believe this because I DO NOT HAVE XXXX SINGLE ACCOUNT PAST DUE! Until recently, I only had XXXX very lo w balance credit card that has NEVER, EVER BEEN LATE, so they HAVE ABSOLUTELY NO CAUSE TO BE CALLING ME! I have repeatedly verbally asked the Portfolio Recovery to stop calling me yet they CONTINUE TO CALL! I have asked nicely and I have told them angrily to stop calling!!! THEY CONTINUE TO IGNORE MY REQUESTS. I dont understand how they continue to get away with this illegal behavior. I will be having XXXX XXXX XXXX next week. If these phone calls continue and disturb me while I am trying to recuperate, I will BE CONTACTING A LAWYER! I am repeating this complaint to the FTC as well. I do not have an account number to provide and I WILL NOT provide my SSN so these frauds can use it for further illegal activity.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XXXX, alleged debt purchaser, Portfolio Recovery Associates, placed a negative collections account on my credit report for {$580.00}. Original creditor is identified as XXXX XXXX XXXX. Last year, I filed disputes with the major credit reporting agencies including XXXX about this account which I believe is the result of a computer error. My dispute requested transaction and payment ledgers, with dates, starting with a running balance of zero to prove the stated balance and date of delinquency. On XXXX, XXXX agreed to delete the account from my credit report with all credit reporting agencies because it was unable to produce the requested debt verification documents. I do not believe XXXX could or would have sold the debt to anyone under these circumstances. To date, Portfolio Recovery Associates has not responded to my requests for the same debt verification documents, the written assignment of rights, bill of sale, credit agreement and all receipts and documents that prove the chain of ownership of this account between XXXX and Portfolio Recovery Associates. My XXXX score dropped XXXX points today after this account was placed on my credit report. As an attorney, I believe PRA 's action of placing this on my credit report today violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act, among other statutes.
|
| 09/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PORTFOLIO RECOVERY, LLC ( " Portfolio Recovery '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character.
1692f ( 1 ) prohibits a collection agency from making any attempts to collect on a debt unless expressed in the original agreement. The credit card agreement, statements, bill of sale and any testimony are general. The company does not possess any account-level documents that would identify me as the debtor.
Portfolio Recovery is attempting to collect an alleged debt in the amount of {$570.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time.
To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account # : XXXX. In the event that Portfolio Recovery does not have the documentary evidence I demand they immediately cease collection, zero out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
|
| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have started receiving excessive collection calls from Portfolio Recovery Services. They used to call and state that they were calling on a recorded line and ask for me. When I identified myself they stated who they were calling from. Now the last several times that they call they ask for me and then state my address and ask if that is correct without identifying themselves. When I ask who is calling they state that it's a personal issue and will not identify themselves. I spoke with a supervisor approx 2 weeks ago after the representative that called became rude when I told them that I had no disposable earnings and that I have told them that several times. The Supervisor that I spoke with ; I have XXXX ( now they tell me there is no XXXX there ) went so far as to harass me about how much money I make, why I can't make a payment or why I haven't been able to make a payment. Since then I have received calls more than once a week. I have told them on a number of occasions that they are now harassing me and to please stop. The last call received was XXXX XXXX today. Unfortunately I do not have any names as they will not disclose their names. This is putting undo stress on me. I also have a medical condition in which I am supposed to avoid stressful situations. I am working diligently on resolving my past due debt and these type of harassing phone calls doesn't help.
|
| 01/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I had originally purchased a set of bar chairs for my kitchen from XXXX ( Creditor : XXXX XXXX ). At the time of purchase I was told that they only had one in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had one of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that XXXX failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency PORTOFILIO RECOVERY ASSOCIATES without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from PORTFOLIO RECOVERY ASSOCIATES and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
|
| 07/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX ( XXXX ) XXXX called and labeled as Portfolio Recovery. The number called a private line of mine that is only friends and family. Looking for someone, that I have no idea who this person is. Since this is a second very private number, the number above has repeatedly called me without permission to my phone number or even access. I am unsure of how would have my phone number and why would call me. It begs the question of how did Portfolio Recovery find a private number that is only given to family and friends? I believe something illegal is being done by Portfolio Recovery to obtain phone numbers and names, in their debt collection process.
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Based on Portfolio Recovery calling my private number, they are engaging in criminal behavior, and attempting to falsely create debts by deceptive practices in obtaining names and information. Theses are deceptive practices, or engaging in deceptive, because private number only given to family and friends. Portfolio Recovery has no business calling me and unlawful way of obtaining my private number while harassing me. This number calls me often and I received a call today mid day on Saturday.
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| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company called Portfolio Recovery has continued to harass me about debts from closed accounts that were the result of identify theft that happen over 15 years ago. A police report was filed when my wallet was stolen and everything had been taken care of at that time and the accounts closed, but in recent months this company seemed to have ran my social security number for debts I have informed them that I do not owe and have possibly put them back on my credit reports which I now need to check. They also made a call to me a few minutes ago which was after XXXX XXXX Eastern time which I know is not legal and made continued calls to me while Im at work and late hours using different phones numbers that show on my caller ID coming from different states. Although I have continued to tell them these accounts are not mine and they could not collect from accounts from thar long ago they have continued to call almost every day and sometimes 2 or 3 times a day from different numbers for over 6 months now. Tonight was just too much and just all I can put up with and I felt I needed to file this complaint. Also there is another account they have been trying to collect from, but their was not a link or room to list an additional account Portfolio recovery is trying to collect for. It is from XXXX that is over 15 years as well. Your assistance would greatly be appreciated.
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| 08/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed said debt via certified mail returned receipt. The company has not validated said debt and proved they are authorized.
Although they ave provided copies of statements it does not prove that this account belongs to me. they have also provided generic terms and conditions from website, but it does not state an account number, name or balance or reference the alleged debt nor any written authorization to me.
They also have provided a generic copy of bill of sale. The bill of sale does not provide an account or reference to the alleged debt. Therefore, I reject this information as valid proof of alleged debt.
I have disputed this alleged debt on several occasions with them and their associates and known associates by way of certified mail, returned receipt. I have requested complete and accurate validation of the alleged debt under the FDCPA 15 U.S.C. 1692 et seq. ( see attached ) Although I continue to dispute this debt you continue to report collection activity and negative credit reporting in relation to this debt and you are in violation of the FDCPA Section 809 ( b ) and the FCRA.
I have asked them to correct this immediately and I have considered to pursue legal action against them, including but not limited to violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character, and Fraud.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody.
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XXXX which is when I was born.
The creditors that show on all 3 reports are : XXXX XXXX for {$3200.00} XXXX Portfolio Services for {$2600.00} Portfolio Recovery for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money.
Please Help as the reporting agencies just get a " verified '' back which doesn't help me.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
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| 04/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello, This company ( Portfolio Recovery ) has been attempting to collect a debt from me and are reporting it on my credit report. I've informed them that they are mistaken in saying I owe them anything. I've sent them disputes asking for records that PROVE I owe this debt, and all they send me in return is a billing statement summary with a one time transaction for {$1100.00}. I've even given them the benefit of proving this by sending me something that I signed that shows this to be true. I've also asked for various means of proof that they did an investigation, including names and dates, and they refuse to provide me with any. I sent a dispute informing them of my rights under the FDCPA in response to a letter I got from them dated XX/XX/XXXX on XX/XX/XXXX asking for the above items, and they sent me this generic billing statement dated XX/XX/XXXX. I sent another on XX/XX/XXXX, and they still didn't provide me with anything I requested under the FDCPA, again sending me only the same statement as before dated for XX/XX/XXXX. I sent one final letter on XX/XX/XXXX indicating that they were violating the law by not providing me with the requested items, even citing case law, and they sent me the EXACT same response as the former, but dated XX/XX/XXXX. This company is impeding my opportunities to advance financially by flagrantly breaking the law.
Thanks in advance
|
| 09/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 I ( 5 ) they are supposed to modify accounts that isnt reporting correctly.
15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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| 09/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
|
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Portfolio Recovery has been repeatedly calling me for several years now from the number XXXX, which shows in called ID as XXXX.
The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a student who suffers from XXXX, and these calls cause me constant anxiety to the point I turn my phone off or mute it, which disrupts my day.
Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.
Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are.
Portfolio Recovery has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
|
| 12/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), Portfolio Recovery Associates ( XXXX account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, Portfolio and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, Portfolio and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore Portfolio Recovery is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
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| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Creditor : XXXX XXXX Nevada XXXX.
Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia.
Information from XXXX : On XX/XX/XXXX, XXXX XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX.
Despite my repeated requests for ORIGINAL XXXX XXXX credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX.
The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX.
I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX XXXX XXXX account XXXX
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| 08/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates never send me a notice of the debt. I wasnt notified about this debt in a timely manner. I wasnt aware of collection activity that can be addressed promptly. I found out about this debt ; I have questions about. I dispute the debt. However, Portfolio didnt notify me in a timely manner. The original creditor was provided with an updated address in the XXXX however no notice was sent. Which, I know that FCRA 809 ( a ) was violated.
I contacted Portfolio Recovery Associates on XX/XX/2021, to inquire about the entry list on my credit report. I asked the man for a statement on the debt. He told me the balance of {$1400.00}. He offers a settlement of {$980.00}. I told him this is high. He asked what I can afford $ XXXX for settlement with payment installments to satisfied this debt. He said cant do that. He stated they offer a payment plan. My medication is XXXX per month plus doctor visits per month XXXX. Rent is XXXX not including food. I only receive is SSA of {$1200.00}. I told the collect rep the information about the health issues. I also told him about the XXXX XXXX and had to moved away from XXXX. Im just try to recovery from all these surgeries. Portfolio Recovery Associates is hard to work with. They not providing information regard to the account. I dont even know account number. Lastly, we have global crisis with COVID 19.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit.
This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtai
ned directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX XXXX trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.
|
| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
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I have disputed the following with XXXX and the creditor directly.
I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting.
XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue.
XXXXXXXX XXXX XXXXXXXX Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened.
Also was not opened by me and the original creditor can not provide proof upon request.
PORTFOLIO RECOV ASSOC Collections XXXX XXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened.
Also was not opened by me and the original creditor can not provide proof upon request.
PORTFOLIO RECOV ASSOC Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened.
Also was not opened by me and the original creditor can not provide proof upon request.
|
| 09/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
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I was contacted by mail by law firms that will represent me in a lawsuit brought on by Portfolio Recovery Associates. I was n't aware of any lawsuit against me by Portfolio or anyone. I called Portfolio Recovery and they do n't have any records on me by searching my name or full ssn. The lawsuit claims I was in default XXXX. I called XXXX XXXX and they do n't have a record of me opening an account XX/XX/XXXX. They have no records of me at all. I researched the XXXX XXXX XXXX public records for a case against me. I found where Portfolio filed on me XX/XX/XXXX. I called the court house and they do n't have anything else but a case file. I was never served and the court does n't have any court dates scheduled for the future. I have court papers I got from the XXXX XXXX XXXX courts and the papers say unofficial. I also tried to contact the Attorney that Portfolio hired, but she never returned any calls. I found an article on XXXX XXXX about Portfolio stating the CFPB filed against them for pressuring consumers with false statements and churning out lawsuits using robo-signed court documents by the Consumer Financial Protection Bureau. I believe that is what happened to me. It 's a false judgment, neither company has any information on me. I feel harassed by them, spent a lot of time and effort trying to figure if this is a legitimate case and lost a lot of sleep.
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2017, I received a letter from XXXX XXXX, XXXX, Fl XXXX saying that they sold an XXXX XXXX XXXX XXXX account to Portfolio Recovery Associates, LLC. This is the first time I learned to have an account with them. I live in XXXX XXXX, XXXX and I never heard of a XXXX XXXX before.
On XX/XX/2017, I received a letter from Portfolio Recovery Associates, LLC. They want to help me resolve the issue.
On XX/XX/2017, I wrote a letter to Portfolio Recovery Associates, LLC, explaining my concerns about the credit card issuer.
On XX/XX/2017, the PRA Disputes Dept. said a review of documents related to the account in question was made. It said the documents were enclosed but I did not receive such documentation.
Then, threatening phone calls followed. The collector 's agents used foul language to persuade me to pay. I was even told that they could damage my credit record if not pay as soon as possible.
Because of my previous encounters with the collection agency, I ignored the issue and avoided their calls.
On XX/XX/2017, I finally decided to submit a complaint to Federal Trade Commission, consumersentinel.gov with reference no. XXXX.
To this date, that complaint remains unresolved. I am submitting this second complaint because Portfolio Recovery Associates, LLC has submitted another adverse issue to my credit report and has doubled the amount owed.
|
| 07/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I 've disputed this debt several times with this company and this is the second complaint through CFPB. After you contacted them the company took 2 almost 3 months to sent me copies of statements of charges every month with an address consisting of PO Box that I 've never had! I asked for signed documents from original creditor and also the contract between the two companies agreeing to transfer the debt and the amounts purchased on the dollar or cent. Their surety bond number for the state of Louisiana to collect the debt. Im asking for all documentation because otherwise I cant get any justice! And by law they have to provide it if they are saying the debt belongs to me and reporting it as mine. I 've filed a report and a report with FTC pertaining to my stolen identity.
The address that 's on the statements provided is the same address that someone tried to use to obtain credit in my name 2 months ago with XXXX XXXX. They sent me some statements and claimed that was verification that the debt was mine but it did n't prove anything but they have some statements from an address that 's not mine! And has never been an address of mine. They have to verify that it is my debt not that the debt exist! That 's why it 's called Identity Theft! This is my 3rd attempt in writing to solve this matter and I want notation of the matter before I can seek farther action.
|
| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Portfolio Recovery Associates.
Reporting Opened XXXX.
Account was charged off By XXXX XXXX XX/XX/XXXX.
Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting.
I called Dispute department at Portfolio on recorded line. Told he the issue.
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt.
She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong.
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job.
Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
|
| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX i tried to settle a debt with portfolio recovery for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company.
After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of XXXX. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount.
I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.
|
| 08/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a complaint against a collection agency that, to my knowledge, is not licensed in my state of residence, yet is attempting to collect a debt from me. The debt in question was originally from a bank and is now being managed by the collection agency.
I have received numerous letters from this agency attempting to collect this debt, despite never having directly communicated with them or authorized them to collect any debts on my behalf. The date of last activity on this debt was XX/XX/XXXX, and it was reported on XX/XX/XXXX.
Upon receiving the collection letters, I disputed the debt. The agency responded by sending documents claiming that the debt was mine, but they did not provide a contract with my signature or any concrete evidence proving that I owe this debt. Therefore, I believe this is an attempt to collect a debt that has not been properly validated.
Moreover, I conducted research on a public licensing website and found that the collection agency is not licensed to collect debt in my state of residence. This leads me to believe that their attempts to collect this debt may be in violation of state regulations.
I request that this matter be investigated and that the collection agency ceases all collection attempts until they can provide proper validation of the debt and obtain the necessary licensing to operate in my state.
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio is reporting a debt that can not be verified as mine. I have asked this company to provide details of previous payments and original contract showing my signature which they have failed to respond to and or provide to verify the debt. I sent the credit bureaus a letter on XX/XX/XXXX, and the information was never verified, and I was never sent the proof of anything.
They are reporting 2 accounts FALSELY on my credit report causing severe damage to my credit and finances. I will also be in touch with XXXX XXXX XXXX XXXX to fight this and continue to pursue damages if this is not removed immediately.
Portfolio also made an ILLEGAL attempt at reaging an account and reporting last activity as XXXX/XXXX/2023 which is FALSE. They are doing this as an illegal attempt to fraudulently continue to try to collect a debt they can not verify. I have never made any payments or taken any ownership of any collection with this company.
Portfolio is in clear violation of The Fair Credit Reporting Act and is acting illegally as I have the right to an ACCURATE credit report and the burden of proof relies on the debt collector to verify to the person, they claim owns the debt and also report it CORRECTLY. They have never provided my original contract with this company, any payment records or any other proof of what this account is and that it is actually mine.
|
| 11/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled my credit report on XX/XX/2019 and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/2019 I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters
|
| 05/10/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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* Dates are estimated* In XXXX XXXX I made an arrangement with XXXX XXXX to pay {$2400.00} as a settlement for my XXXX XXXX XXXX XXXX XXXX XXXX credit card. I made three payment of {$400.00}. XXXX - XXXX . In XXXX there was some confusion. My bank returned the original check but XXXX made a second attempt ( redeposit ) that the bank cleared. I made a total of {$1600.00} of payments. In XXXX XXXX the ACH did n't show up automatically so I tried to make a payment by phone. I was told XXXX XXXX had pulled the account back and they could no longer accept payments. In XXXX XXXX I was contacted by Portfolio Recovery and told the settlement offer of {$2400.00} would be honored but they did n't have any record of previous payments. I contacted XXXX XXXX but never received any additional information or closure. I also made calls to XXXX XXXX who said all files were sent back to XXXX XXXX . In XXXX XXXX I contacted both Portfolio Recovery and XXXX XXXX k. Portfolio Recovery is asking for a settlement amount of no less than {$5000.00} - greater than the original balance. XXXX said the payments I made to XXXX were not applied to my account and can not verify the settlement agreement. I have been going back and forth with XXXX Bank and Portfolio Recovery since XXXX XXXX .
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| 08/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent Portfolio Recovery Associates, ( PRA ) a letter a few months ago. In part, it reads ; I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof of full history of the account.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
Any attempt to collect this debt without validating it violates the FDCPA.
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
PRA in turn sends a 1 page letter. No history of anthing for me to validate.
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| 09/10/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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This company, Portfolio Recovery Associates, has been calling our phone number repeatedly, every day, for the past 3+ months. After the first several weeks of allowing our call-screening to ignore the calls, my wife answered the phone once, and the " agent '' asked her to confirm her name, her address, and then asked for her age, whereupon my wife insisted to know exactly who was calling and why they were calling. The person said that they could not divulge any specifics until she answered all of their personal data questions. My wife refused to do so and told them to stop calling. Yet, we continue to receive daily calls ( sometimes waking us in the morning ) which now come from different area codes and numbers each time ( circumventing our call blocking ) and never leaving any message or details on exactly who is calling, why they are calling, or how to stop the calls. I have the Caller ID report identifying " Portfolio Recov '' with the number that they used for at least the past 10 calls. This is harassment. We have no unpaid debt, as a review of any bona-fide credit agency report strongly confirms. Please force this company to stop harassing us and apply whatever punitive measures are available to ensure that they comply with all consumer protection laws.
P.S. They just called again ( from XXXX this time ) while I am writing this at XXXX XX/XX/2019.
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| 01/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX purposefully held my account longer than 120 days before it was sold off. They kept my account and reported negatively for THREE YEARS before they charged it off.
Generally its supposed to be 120 days. By delaying the charge off, they unnecessarily caused more damage to my credit than was necessary. On some level, it feels like it was personal.
To wait that long, knowing I was fresh out of school. Knowing I was looking for work. Knowing I had difficulties and to pile on with a charge off and then sell the debt 3 years later to extend the damage they, and their business agent Portfolio Recovery Associates could do to my credit history.
I am never, ever, going to pay 3 times to two different entities regarding the same transaction.
There is no way this is okay. It feels like a Pre Obama era attempt to get low income minorities to falter on their debts. A consistent issues with XXXX XXXX and other banking institutions.
I am not going to pay XXXX XXXX for that card again. I already have another card. With them. The payment history is immaculate.
Portfolio Recovery Associates should inspect each debt they acquire. Before committing fraudulent, or at least malicious actions, to ruin my credit and ruin my chance to get the most out of my law degree.
They should be ashamed of themselves for such sneaky and underhanded collection tactics.
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| 01/26/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a XXXX account that was paid off in XXXX and closed and a XXXX account I paid off in full in XXXX. In the year XXXX I began receiving phone calls from PORTFOLIO RECOVERY saying I owed this money and they wanted a payment or bank info THAT DAY. I refused. I asked them to send me the information they had and they REFUSED. They would n't even verify my SS # or birth date over the phone. There is NOTHING on my credit report for XXXX XXXX and the XXXX XXXX account says balance is XXXX and account closed. These people have completely destroyed my credit. I REFUSE to send ANYONE money just because they call me and tell me I owe them and they want a payment today. I have tried talking to them, explaining the situation, and they tell me they want me to send them proof that I paid these off? This is at LEAST XXXX XXXX XXXX. I did n't save anything. Once I paid off my cards, closed my accounts I through it all away thinking I would NEVER need it again. I 'm at my wits end. I sent them a letter, but they are relentless and going online I have found hundreds and hundreds of people going through the same thing as I. I can not rent an apartment, buy a new car, or do ANYTHING I need credit for. I do n't know what else to do. I DO NOT OWE THIS MONEY and I believe they badger people like me to pay AGAIN knowing we can not do anything without credit. Please help me.
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| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their response to a complaint and their credit reporting practices. I believe that PRA has not adhered to proper verification procedures as required by law and has reported inaccurate information to credit reporting agencies.
Verification Procedures Issue : In response to a complaint, PRA stated that they had verified the accuracy of the information they furnished to consumer reporting agencies, but their response lacks transparency and does not clearly explain their verification process. They have not provided an affirmative averment of truth, as required by legal standards. Additionally, they did not detail the steps taken to verify the accuracy of the allegations in question. This lack of transparency raises concerns about the validity of their verification process.
Inaccurate Reporting of Balance : PRA claims that the balance owed on the account is {$1000.00} ; however, they are reporting to credit reporting companies that the balance is {$1000.00}. This discrepancy of {$0.00} is significant and constitutes inaccurate reporting, which has had a detrimental and negative impact on my creditworthiness. I request that this inaccurate reporting be rectified and the record is removed from the credit reports.
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| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Portfolio Recovery XXXX.
Reporting Opened XXXX.
Account was charged off By XXXX XXXX XX/XX/XXXX.
Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting.
I called Dispute department at Portfolio on recorded line. Told he the issue.
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt.
She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong.
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job.
Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
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| 03/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, Portfolio Recovery Associates LLC sent hearsay statements on an alleged account that was not owed. PRA is failing to cooperate with me in providing the proper documentation I have asked for. As asked for with my original complaint here and with my complaint with the Tennessee Department Of Commerce and Insurance ( Collection Board ) They have failed to provide a contract with my signature consenting that I have allowed to conduct business with them, they have failed to provide an original purchase agreement with my signature on this alleged account, they have failed to provide a cardholder agreement signed on this alleged account, and failed to provide a sum certain showing how this alleged amount was arrived at. PRA has failed to show proper verification as " Verification '' is defined in XXXX XXXX XXXX ( XXXX XXXX ) as " Confirmation of correctness, truth or authenticity by affidavit, oath, or deposition ''. I demand this to be verified by an affidavit from a competent person. If PRA can not verify or provide the proper documentation on this alleged account I demand PRA to close this file within their office, cease collection activity, and do not report to ANY of the credit bureaus. I will not tolerate PRA unfair business practices and I will not engage in any business activity on an alleged account with PRA that I did not consent to.
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| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I disputed this debt with Portfolio Recovery about a credit card that was discharged by XXXX. I sent statements that stated that I owed less than the amount that was noted for the debt. In return they sent the debt to be collected by a law firm, XXXX XXXX XXXX. We came to an agreement to settle the account for {$2000.00} since thats what I actually owed and not the {$3900.00} they were trying to collect. When calling or even using the chat line they refuse to even tell me if they received payment or anything regarding the account. So why is Portfolio Recovery reporting on my credit report and they cant tell me absolutely nothing about a debt they are trying to collect? If Im only to speak with the Law firm then they should be the ones reporting and not portfolio. They even locked me out on my account on their website so I cant even see if they received the payment I made a few weeks ago. Still shows {$3900.00} and I cant speak to anyone about this manner because Portfolio will not speak to me about it and the Law Firm has to ask Portfolio about anything with the account and when I call to speak to the lady handling the account, she doesnt return my phone calls for days at a time. Also upon payment they have on their website and made a statement that they will delete all information off anyones credit report when debt is paid, full or settled for less.
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| 03/29/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted.
I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly.
I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections.
Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter.
Judgment # XXXX
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| 09/20/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 02/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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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}
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| 07/01/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
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| 06/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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There were fraudulent charges on the XXXX account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( XXXX ). They continued reporting and responded XX/XX/XXXX with a resolution. XXXX concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by XXXX, XXXX XXXX, and finally Portfolio Recovery Associates. I received a letter from XXXX on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to Portfolio Recovery Associates on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. XXXX informed that I had to contact the new company Portfolio Recovery Associates to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
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| 03/01/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter stating that this account would be removed directly from PORTFOLIO RECOVERY # XXXX they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, PORTFOLIO RECOVERY, or any third party law firms and collection agencies are in accordance with the Georgia law. 7-3-8. License required ; application ; fees. Rule 120-1-2-.07 Procedures for the Licensing Process,7-3-8. License required ; application ; fees.
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| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX I mailed letter to XXXX with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against Portfolio Recovery. Portfolio sued me for {$5.00}. The Decision was against Portfolio Recovery. I requested Portfolio be removed from my XXXX Credit report. XXXX claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that bos Certified this time. They say they still didnt receive it. I made More than 30 phone calls to XXXX to solve this.
XX/XX/XXXX through XXXX own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from XXXX stating that they are not removing Portfolio from my Report, because Portfolio certified they are right. XXXX is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted Portfolio from my Account with them. XXXX has a major problem. They cant read XXXX. A simple phone call to the Courts would verify the Award and they would delete Portfolio.
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| 09/14/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recently discovered that PRA is reporting inaccurate information on my XXXX report, which is negatively affecting my credit. According to my XXXX report PRA is reporting the collection account as the original creditor XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as an open account with a past due balance as the payment status. I never opened an account with PRA. The terms of the account is listed as one month although I have not entered into any terms with PRA regarding either account. PRA list the accounts with a credit limit/Original amount as if they are a creditor that extended credit to me. In addition, PRA list payment and balance history for both accounts monthly, which debt collectors are not allowed to do. PRA updates the " Date Reported '' date monthly, and with a Payment Status of " Collection Account '', and with no " Date Closed '' Date. I believe these are all violations of credit reporting of a collection account.
I have also, on numerous occasions, provided proof that I did not receive any kind of notification of the debt, which CFPB and PRA continue to ignore. I have provided a copy of my DL that states my address at the time PRA said they sent a dunning notice.
The choices given by CFPB for issues with a company are so limited and narrow and I am forced to make a selection that may not adequately identify my issue with PRA.
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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I have tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect!
XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount?
XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept?
Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING!
If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!
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| 05/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called XXXX XXXX XXXX Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names.
I have tried to explain that I have never had any type of credit card, in my name, in my entire life.
But, after this XXXX BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.
My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for.
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
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| 10/26/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I disputed an alleged debt with Portfolio Recovery Associates to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus provide verification of validated on the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting they validate the debt ( per the FDCPA ) by providing the following information : -an explanation of the alleged debt -a calculation of the alleged balance -documentation that shows I agreed to pay this debt -the agreement that grants them the authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 Portfolio Recovery Associates mailed a letter back providing on 2 out of the 5 items requested during the validation letter. The collection company only provided an explanation of the alleged debt and the calculation of the balance. However, they did not include documentation that I agreed to pay this debt, the agreement that grants them authority to collect on the debt or a copy of their state license including the license number. By not providing all of the requested information, they are in violation of the FDCPA.
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| 04/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have a derogatory remark just on my XXXX credit report from Portfolio Recovery Associates, LLC that I want removed immediately. XXXX and XXXX removed it due to is being a lie once I disputed it. For some reason XXXX will not remove it and I have filed a dispute 3-4 times. The original debt was with XXXX XXXX for {$190.00} with a credit limit of {$200.00} and that was a secured credit card with a {$200.00} limit that I paid for before even getting that card. So once I closed that account that {$200.00} I gave them for a secure line of credit wiped that debt out. They actually owe me money, {$7.00}. Portfolio is saying I owe them {$190.00} which isnt even the same as the XXXX XXXX balance which also says I owed them {$280.00} from the letter Portfolio sent me and they also claim I only had a {$99.00} security deposit and once they took that off it too my balance to {$190.00} which is less than what Portfolio says I owe them. Its all a lie to collect money that I already paid. There is a lot of discrepancies in their letters. I know I paid this account off and I want it removed from my XXXX report ASAP. Also, once Portfolio Recovery bought this account my contract with XXXX XXXX was voided. That alone should be grounds for removal immediately. Either way, debt was paid with deposit and my contract with XXXX XXXX is voided. Thank you so much.
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| 11/24/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.
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| 05/22/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to Portfolio Recovery. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( XXXX XXXX XXXX ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, Portfolio Recovery and XXXX XXXX also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now Portfolio Recovery is demanding the balance of the debt.
|
| 09/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.
|
| 04/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX I have reached out to this company several times to send proof of the accounts it claims I owe. They are reporting on my credit report nine time with duplicate and various account, that I have no record of. I haven't received a response even though I have sent multiple. They had thirty days to reply which they haven't, I have even disputed with all three bureaus. I have " No Contract '' nor have I signed any paperwork agreeing to pay any loans made or financed by this company.
They continue to report fraudulent information, I have read multiple threads online by millions of consumers who are also victim to this same company.
Something needs to be done, they can't prove a validity of the accounts owed, yet they are still able to report inaccurate information, that results in direct harm to consumers credit reports, in an attempt to forced consumers to pay them monies that they have no right to receive.
This company is a " Fraud '', but because they buy debts from multiple banks and finance companies, and they are publicly traded ; that doesn't make that the illegal practices they do valid.
I want immediate action taken, and all negative marks deleted from my report from this company. I would also like a written letter with the details of the removals sent to my by mail for my records.
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| 07/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Portfolio Recovery Associates , LLC Account # XXXX for {$640.00}, Date of first delinquency : XX/XX/2018. Five years in Kentucky.
I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in Kentucky has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.
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| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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On XX/XX/XXXX I submitted a complaint about Portfolio Recovery Associates. In the complaint I stated how Portfolio Recovery Associates failed to provide the validation I asked for numerous times. And again, on XX/XX/XXXX I received XXXX letters that were identical. In the letter they state " We have completed our investigation of your dispute concerning this account, XXXX, XXXX has obtained and reviewed the attached documents related to this account, which established its validity.
I disagree for the simple fact that Validation of the debt can either be a signed judgment order or an accounting which is signed and dated by the person responsible for maintaining the account general ledger.
See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
As I stated in previous complaint, a copy of consumer credit statement is NOT sufficient evidence to validate the debt, yet Portfolio Recovery Associates ignores this and continues to violate my consumer rights.
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
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Web |
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I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove.
2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove.
3. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed.
4. PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account.
5. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Please investigate the validity of this account and delete.
6. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Please delete and remove this account and investigate.
|
| 06/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Portfolio Recovery has engaged in a relentless pursuit to collect a debt already settled.
On two occasions Portfolio Recovery was notified that the credit card debt they seek to collect was settled more than three years ago. Furthermore, I am currently in good standing with that credit card company.
Calls are at random hours and often well before XXXX XXXX. On two occasions calls were received after XXXX midnight. In these instances their number was entered on a police complaint hotline.
Moreover, several of their numbers have been entered on the national do-not-call list.
Apparently, this collection agency has found a way to completely ignore the do-not-call list by using other random numbers. Also, written notices, and requests to cease and desist have also been ignored.
The ongoing abuses include : ( 1 ) failure to leave a message and causing frequent crowding of the home answering machine ; ( 2 ) quick re-calls are relayed to personal cell phone when home phone calls are blocked ; ( 3 ) overload to call blocking is created by randomly using in excess of 140 different numbers ; ( 4 ) random calls are also made via unavailable, unknown, or invalid numbers to avoid call blocking of numbers identified as Portfolio Recovery.
A list of the random numbers used by this collection agency can also be sent at your request.
XXXX XXXX XXXX XXXX
|
| 03/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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Hello, On XXXX XXXX XXXX I received a phone call from Portfolio Recovery Associates LLC. In reference to an Account from XXXX XXXX Bank. I notified their office I had been in communication with XXXX XXXX XXXX for over 6 months disputing this account as this account was closed back in XXXX. XXXX XXXX bank could not verify these records and the account was removed from my credit file. I requested Portfolio to send validation/verification of this account on XXXX XXXX XXXX, On XXXX XXXX XXXX I received a letter requesting I send them all of my information? I have no idea who Portfolio Recovery is and quite frankly it is not my obligation to provide personal information when they are required to validate the account within 30 days. I sent another letter dated XXXX XXXX XXXX again requesting validation/verification of this account ( I just months 6 months with XXXX XXXX over this process ) and on XXXX XXXX XXXX Portfolio Recovery sent a letter stating they terminated my investigation. I did n't ask for an investigation I wanted validation/verification from their records. This account has NOT been verified yet when I dispute it with XXXX, XXXX, and XXXX, Portfolio verifies the account as valid and continues to report this account each month.
I have sent a format request for validation in return nothing has been sent and collection attempts continue.
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies Portfolio Recovery Associates, LLC XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX and XXXX ). All the 4 collection accounts where deleted by XXXX but XXXX XXXX and XXXX continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on theXX/XX/XXXX and i did not get any reply from them ( XXXX XXXX and XXXX ) and i sent a second follow up letter on the XX/XX/XXXX and still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed Portfolio recovery associates, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.
|
| 06/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
Back in the beginning ofXX/XX/XXXX both XXXX XXXX, and XXXX XXXX have been receiving harassing phone calls here at our employers phone. They know this too because the number they call is not only registered as a business, but as an employee the phone is answered in a business manner. Portfolio Recovery ruthlessly has called here twice each day. After we found out a week ago that Portfolio Recovery has called here since the beginning of the month, talked to several colleagues about both XXXX and XXXX XXXX, XXXX XXXX has spoken too, and asked Portfolio Recovery to stop calling here at our place of employment. Portfolio Recovery repeatedly calls here looking to collect on some kind of debt that both XXXX and XXXX XXXX have no Idea what debt this is in reference too. This morning XXXX XXXX asked Portfolio Recovery again to stop calling here at our place of employment. With just receiving the second call of the day from them, the calls do not stop. Portfolio Recovery has a reputation of illegal collection practices. This company should be shut down for repeated violations and offenses. XXXX and XXXX have already been included in the class action lawsuit that Portfolio Recovery chose to settle from California out of court, and yet again, Portfolio Recovery is falling back to their illegal collection practices. Please put these guys out of business.
|
| 04/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.
|
| 08/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have by way of mail, phone, CFPB tried to get PRA to cease all unlawful collection efforts, and to cease unllawfuly furnishing my private information to credit reporting agencies. PRA has practiced this deception for months! Portfolio Recovery Associates has used abusive, unfair and deceptive practices in an attempt to collect a debt in which I do NOT owe, violating 15 USC 1692e. PRA has caused my telephone to ring multiple times violating 15 USC 1692d, harassing me. PRA has NOT provided ANY substantial proof that I owe them a debt. PRA has NOT provided ANY substantial proof that I owe a debt to XXXX XXXX XXXX in which they have right to collect from me.PRA indeed has admitted to conspiring with with XXXX XXXX XXXX to injure, oppress, intimidate me in my enjoyment of my right of privacy and my XXXX Amendment right, violating 18 USC 241. This is evidenced in PRA response in CFPB Complaint XXXX. PRA alleged that through the unlawful purchase of my private information, from XXXX XXXX Bank that PRA has a right to collect a debt from me, in which PRA paid for, in which they can't verify belongs to me, a debt in which XXXX XXXX Bank admitted can NOT verify, while ignoring federal and state laws to do so? Please me assist as many consumers are affected by the extremely predatorial PRA! PRA has violated many of my rights! PLEASE SEE ATTACHMENTS
|
| 12/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor.
As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.
|
| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have fallen under the FDCPA, FCRA, and Regulation V obligations that Portfolio Recovery Associates , LLC has criminally failed to adhere to.
They took or threatened to take negative or legal action against me.
Portfolio Recovery Associates Continues to make monthly negative reporting on my 3 Bureau reports thus poisoning my credit scores for a few years now. They have made false or misleading representations concerning the debt, and continue to attempt to collect on debt that was outside the statute of limitations and was time-barred debt without making required disclosures during their process.
They have Violated : I. New Mexico Debt Collections Laws a. Statute of Limitations NMSA 1978 37-1-1 et seq. governs New Mexicos statute of limitations for the collection of open accounts, written contracts, and judgments entered by the Court. In New Mexico, the statute of limitations for open accounts is four years, while the statute of limitations for written contracts is six years. In New Mexico, if a creditor can provide a signed credit card agreement, the SIX YEAR statute of limitations applies. The cause of action accrues on the last item therein, which can either be the last payment made on the account or the last statement sent to the debtor. Once entered, a judgment is enforceable in New Mexico for fourteen years and can not be renewed.
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is an update to an unresolved issue!!! I just received my reinvestigation back from XXXX XXXX They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # PORTFOLIO XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report. Nothing of what they sent is accurate. The addresses on file are also inaccurate which is still a violation of 15 USC 1681 ( a ) ( 4 ) because they did not exercise their responsibilities with fairness. They are also in violation of 15 USC 1681 ( b ) because their investigation was not completed with accuracy nor relevancy nor proper utilization of such information.
|
| 02/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company.
On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.
|
| 10/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX.
I was contacted about two months ago by Portfolio Recovery Associates , LLC ( a collection agency who purchased someone's debt from XXXX ) regarding a delinquent XXXX credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from XXXX credit from XX/XX/20 with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.
|
| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.
|
| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
|
| 03/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/21 I called Portfolio Recovery Associates at XXXX as advised on their website to negotiate a settlement amount for a one time payment. I owe {$580.00}. The representative advised she was recording the call. I offered to make a one time payment of {$300.00} to settle and close the account. The representative accepted the offer. I then gave her my bank routing number and account number. She could not get the transaction to go through and asked me to repeat my banking information several times, which I did over the course of the 18 minute conversation. There is nothing wrong with my bank account so this is an error on her end. She eventually hung up on me. I called the same number back immediately and explained what happened. The new representative I spoke with said there was no record of the call or notes in the account about a {$300.00} settlement offer. She said they wouldn't have been able to offer me such a low amount anyways. She claimed there is no way for a representative to delete a call log. I am extremely concerned that I gave my banking information to one of their representatives repeatedly and they have no record of an 18 minute phone call.
Attached to this complaint is a screenshot from my cell phone showing the original call at XXXX on XX/XX/21 for 18 minutes, and then the 2nd call at XXXX on XX/XX/21 for 22 minutes.
|
| 11/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.
|
| 07/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}.
I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX.
Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago.
From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit.
|
| 03/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Portfolio Recovery Associates filed a Summons And Complaint against me. The complaint stated I owed them {$670.00}. The case number is XXXX in the XXXX Judicial Circuit Court located in XXXX, MI.
During pretrial the lawyer representing the law firm attempted to use computer generated statements and I stated they were hearsay. The lawyer then produced an affidavit.I can not remember the Affiant 's name. I asked the plaintiff ( PRA ) if I could question the affiant and also requested the original assignment agreement between the original creditor and PRA.
The judge allowed it and set a trial dated. Shortly thereafter I received a dismissal filed by PRA.
My complaint is this. They dismissed the case because I believe they did not have the legal right to sue for the full amount. Which is why I asked for the ORIGINAL assignment agreement. This agreement typically says how much the assignee can sue for. Never the full amount. PRA is still reporting this on my credit reports. I believe this a violation of The Fair Credit Reporting Act.
I also believe their Affidavit process needs be investigated. In 2010 they had an employee signing a deceased woman 's name ( XXXX XXXX ) and had been for over 15 years.When the person who signed the affidavit was questioned. She stated that they signed so many affidavits she didn't think anyone would notice
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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During this week alone, I have had XXXX phone calls to my cell phone from XXXX, XXXX, and today XXXX. All are identified as Portfolio Recovery Service licensed to do business in XXXX VA. There is never a message left. I never have gotten any formal written communication from this company. We do not have a mortgage, car loan, student loan or unpaid medical bills. We pay the balance of our credit cards each month. If this was REAL instead of a robo call or scam, there would be written communication. I see in 2015 there was a formal filing against this company. Why are they still in business? Why would any governmental body allow a company like this to get a license to operate in their jurisdiction?
What do they expect to get out of a call if I did pick up the phone? Do they target people of a certain age, i.e., XXXX? Yes is the answer to that. I want the calls to stop. That is the resolution I want and my second request is that the federal government put a stop once and for all to these practices. I reiterate. If they had a reason to be calling me, I would have some sort of written communication as to the supposed debt.
Lastly, I'd like to say XXXX things. My husband was a XXXX XXXX XXXX XXXX XXXX and he would like to see all the companies that operate in this fashion, prosecuted. Second, by all means, please publish this complaint.
|
| 09/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX, I received a call from XXXX XXXX XXXX the caller claimed to be from " PRA ''. The re caller requested identifying personal information from me ( SSN #, DOB, etc ), I refused to provide the requested information. The caller said " I'll refer this to our lawyers as you are not cooperating '' and hung up. I searched for the number ( https : XXXX ) and found that it was PORTFOLIO RECOVERY ASSOCIATES.
On XX/XX/XXXX I sent a letter via certified mail demanding information about the allesged debt as is my rights as defined by the Fair Debt Collections Practices Act ( attached Letter A ) & ( Attached USPS form ) which shows delivered on XX/XX/XXXX according to the USPS Website " Delivered XXXX, VA XXXX Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, VA XXXX. '' I have received no written communication from PORTFOLIO RECOVERY ASSOCIATES as of the filing of this complaint.
On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX XXXX XXXX, caller hung up. Called back as was connected to Portfolio Recovery and the call was taken by a " XXXX ''. XXXX ( declined to give further info ) asked for DOB, I declined. She asked for the information multiple times. I ended the call As per the Fair Debt Collections Practices Act, PORTFOLIO RECOVERY ASSOCIATES is violating several laws and needs to be held accountable.
Thank you.
|
| 11/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
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On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX.
I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score.
I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX.
In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance.
Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week.
XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I have received repeated calls from many different phone numbers with the ID of " Portfoliorecov ''. I am not certain but I think these could be calls from a company called Portfolio Recovery which, according to the internet, has been implicated in collection scams.
First I want to make it clear that my only debt is my mortgage. I always pay this on time, and pay-off the balance for credit cards at the end of the month. I have never received a notice of an unpaid debt from this company ( which I believe is required by law, and absence of such is a warning flag ).
I have tried to remedy the situation by answering the phone in order to provide corrective information, but there is never anyone on the other line. I have concluded that, rather than legitimately trying to contact me, they are ( 1 ) trying to harass and intimidate me, or ( 2 ) are trying to determine when I am home so that they can rob my home or otherwise target me for other telemarketers.
I have made numerous complaints to the donotcall.gov website and no apparent action has been taken. So I started blocking calls on my landline. Unfortunately, they always seem to be able to cough-up another number I have not yet blocked. Since XX/XX/XXXX, calls from Portfoliorecov have been received from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Portfolio Recovery has been trying to collect an ALLEDGED DEBT from me. I requested a debt validation from them. They did not provide me with any information with my signature providing that it is me. Even if this was provided to me, IM the only person who can validate and verify this debt which I DO NOT VALIDATE! Anyone can say that a consumer owes a debt but they have not proved that this debt was mine. I do not validate this debt and I have told them this is not my debt multiple times an even requested a cease and desist. They are continuing to violate multiple consumer laws such as : 15 U.S. Code 1692f.Unfair practices by trying to collect a debt that is not owed by me and by communicating through post card. Many people know the name of this collection agency so anyone who delivered the mail thinks that I am in debt which is a violation of this law and my right to privacy, 15 U.S. Code 1692g - Validation of debts, I was not given enough evidence to verify this debt yet this ALLEDGED DEBT is still being furnished on my report and is preventing me from obtaining new credit, and 15 U.S. Code 1692j - Furnishing certain deceptive forms because these are false forms being furnished on my report and it has created false belief in my consumer report. These are all violations under the FDCPA which this company needs to be held liable for.
|
| 01/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I reviewed my XXXX credit reoport on XXXX XXXX, XXXX. Their was " Charged-off " account from XXXX XXXX in the amount of {$1700.00}. I wrote to XXXX to provide me with information regarding the balance and supporting documentation. I sent them a letter via certified mail on XX/XX/XXXX. I never received any communication from them. In XX/XX/XXXX I reviewed all three ( 3 ) credit reporting agencies and the " Charged-Off '' account had been removed from all three ( 3 ) bureaus.
I reviewed my credit file again in XX/XX/XXXX and noticed a collection place on all three ( 3 ) credit reporting agencies from a " Portfolio Recovery Associates , LLC '' with an open account date of XX/XX/XXXX. I do not know who this is and why they would place a " Collection '' account on my credit file. I had already contacted the original creditor and settled this matter with them directly!
I also noted that they had violated the new FDCPA law implemented on XX/XX/XXXX, dealing with Regulation F. They are suppose the make contact with a consumer before they are allowed to place a collection on a person 's credit file. They did not, nor have they spoken with me regarding this matter.
The original creditor had removed this debt off of my credit reports back in XX/XX/XXXX. Why is this Portfolio Recovery not abiding by the Consumer laws that are implemented?
|
| 02/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX close my account in XX/XX/XXXX and i tried to pay it current. XXXX XXXX Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number.
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the XXXX XXXX account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved.
I talked to them again today and still nothing. I talked to XXXX to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from XXXX. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.
|
| 07/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
PORTFOLIO RECOVERY ASS has been trying to collect an account for XXXX XXXX Credit card that does not belong to me. They have been sending me letters and placing threatening phone calls to me trying to force me to pay a debt that XXXX XXXX turned over to them that is fraudulent and that was opened in my name as a result of identity theft. I have made them aware that this account was fraudulent and I have made XXXX XXXX aware as well, however they continue to contact me and continue to make threats against me. They have told me that I could be arrested for not paying this account to them even though they are fully aware that this is a fraudulent account just the same as XXXX XXXX XXXX is aware that this is a fraudulent account. I have supplied both XXXX XXXX and Portfolio Recovery ASS copies of my police report, and identity theft Affidavit, but they continue to refuse to close this account from my name and continue to try to force me to pay this fraudulent account by telling me that I can be arrested even thoug the account does not belong to me. The partial account number for the account is XXXX . They have this account placed against all XXXX of my credit reports and are defaming my character by continuing to report this fraudulent negative account against me which is both willful and malicious.
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been receiving harassing phone calls from Portfolio Recovery for over a year. I have written them requesting that they do not call, I have verbally requested that they do not call, and they continue to call. I also get calls several times a day from their many phone numbers. Here is a partial list of the calls ( all calls are CST ) : XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling and send information regarding debt. I have never received information.
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX a man named XXXX called. Again requested they stop calling. XXXX informs me that they can call as often as they like and that they do not have to send confirmation of debt.
XXXX/XXXX/XXXX XXXX and XXXX XXXX Again requested they stop calling XXXX/XXXX/XXXX XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX did not leave number. Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX Requested they stop calling XXXX/XXXX/XXXX XXXX and XXXX XXXX Requested they stop calling.
Please note that all of the above calls are asking to talk to a married name that I have not had in over 15 years. They have also started calling me on my secondary ( business only ) and cell phone number.
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Portfolio Recovery Associates/Services ( goes by either name ) has been illegally re-aging a collections account on all three of my credit reports ( XXXX, XXXX, and XXXX ). Although I dispute the validity of the underlying debt ( related to an old incident of identity theft ), I note that the underlying account 's date of first delinquency was some time between XXXX - XXXX, and therefore rapidly approaching the point at which it would be removed from my credit reports regardless of its validity.
Portfolio Recovery has re-aged this account to reflect it as having opened in XXXX, thereby extending the credit reporting time limit by 3 - 4 years -- effectively doubling the legally allowed credit reporting time limit. I have repeatedly requested that Portfolio Recovery rectify this matter to no avail ; Portfolio Recovery has ignored my requests and continues to fraudulently misrepresent my account information.
IN ADDITION, Portfolio Recovery represents this account as an " open '' installment account. This is patently untrue. It is a severely aged charge-off that Portfolio Recovery purchased the rights to.
Portfolio Recovery is grossly non-responsive to requests to remediate the matter and is only reachable when they are harassing myself or family members and associates in aggressively attempting to collect on this alleged debt.
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
NAME OF CURRENT CREDITOR : PORTFOLIO, ACCT NO : XXXX, PURCHASED ACCT XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ACCT NO : XXXX Portfolio Address : XXXX XXXX XXXX, XXXX VA XXXX Date XXXX XXXX To whom it may concern : I have sent to the Creditor Portfolio and XXXX several letters asking for validation of this account on XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am, XX/XX/XXXX first class electronic tracking delivered on XXXX XXXX pm, and XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am.
Today is XX/XX/XXXX at XXXX almost 5 months later from when I first submitted, and I still haven't received a response back from Portfolio or XXXX XXXX I requested to be provided proof of the alleged debt specifically the contract, bearing my signature ( I am not requesting a statement for a statement is not considered as validation ) The FCRA says I should only have to wait 30 days for an investigation, and I feel 5 months is far beyond its statue of time.
I feel that I shouldn't have to wait any longer to have my request granted. I am respectfully asking that this debt be removed from credit report asap especially since Portfolio purchased this account from XXXX XXXX XXXX and I have given permission for my information to be sold to anyone Thank you and hope to hear from you soon
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}.
I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.
|
| 11/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud!
I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.
|
| 11/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I entered an agreement last year with portfolio. The amount paid ach month is {$32.00}. I recently made my payment on XX/XX/XXXX in the amount of {$32.00}. The balance at this time should be {$2700.00}. The amount of {$32.00} paid and taken amount of my bank account was not credited to the account. The balance is still showing the amount of {$2700.00}. Where is the amount that I paid of {$32.00}??? I contacted the customer support line and was told that I made 12 payments but no reference to the amount of {$32.00}. TH rep then proceeded to cancel my agreement. I did not ask for the agreement to b canceled. I want to know where did that money go and why was it not credited to my account. This is extremely frustrating and disturbing. This is causing me extreme stress since I have been paying this debt collector in good faith and now this. I have had numerous issues before with this company. Please help me.
Status : No pending payment or plan Your payment plan for this account was cancelled on XX/XX/XXXX Account Number : XXXX Account Balance : {$2700.00} Seller : XXXX XXXX Merchant : XXXX XXXX XXXX Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX Acquired On : XX/XX/XXXX Original Creditor : XXXX XXXX Account Open Date : XX/XX/XXXX Last Payment : {$32.00} on XX/XX/XXXX Original Account Number : **** Charge-Off Creditor : XXXX XXXX
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Portfolio Recovery Associates is an unlawful organization that frequently is sued for violating the FDCPA and The FCRA. Please not in 2015 the CFPB sued Portfolio for several violations resulting in a {>= $1,000,000} settlement. In my case I have asked for and NOT received required documentation under Section 609 FCRA, which requires certain documents to be provided to a consumer in the case of identity theft. Portfolio despite being notified in numerous occasions has failed to provide the required documentation under Section 609 FCRA to me at any point. The only thing they sent was a manufactured letter to an address I have never lived at.
Please find a copy of my notice to XXXX, XXXX and XXXX that was also sent to various creditors where my identity has been assumed and derogatory items placed against my credit report. I am also attaching notices of various lawsuits filed against Portfolio for engaging in the same misconduct they are currently engaging in with regard to my personal credit file.
Portfolio buys debts, they obviously can not produce the required documentation because of two reasons : I did not open this account and Portfolio does not have the required documentation under Section 609 FCRA and therefore the item must be deleted from my credit report since they can not and have not produced this information.
|
| 03/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC to resolve ( 2 ) accounts showing in collections. The first account was paid in full of {$620.00} for XXXX as no settlement could be reached. The second account was with XXXX XXXX acct # : XXXX original debt owed was {$1100.00} requested for settlement of debt and was advised if I paid {$840.00} that would resolve the debt. I sent in payments via check as debt could not be paid over the phone with XXXX XXXX. I was told once payments were received it would take 30-90 days to come off credit report and I would receive a letter from the creditor ( Portfolio Recovery ) that both accounts were satisfied. As of XX/XX/XXXX I have not received any letters from company. I received a call from them on Thursday XXXX attempting to collect on the difference {$330.00}, I contacted vendor today who advised me that I did not satisfy the debt and this was new debt even though I verified the same account number listed above. He told me I did not have to pay the remaining debt however it will show on my credit report till XX/XX/XXXX. I'm confused as to if I was offered a settlement of the debt why my credit report is still showing an unpaid part in collections. Why offer a settlement if it doesn't satisfy the debt. I feel I was mispresented on XX/XX/XXXX and XX/XX/XXXX by this company.
|
| 08/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially.
In an effort to lower my debt and be current with all debtors i contacted Portfolio Recovery Associates LLC about a debt they reported in my Credit report.
I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier.
And that on that date, i was not in The USA, i was overseas doing some work.
So i ask them to verify where the merchant sent this order and verify it was not in XXXX Address.
i received a document from XXXX XXXX, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of 96 GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months.
I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce.
Please i request your assistance removing this from my credit reports.
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX| Account Number XXXXxxx XXXX / XXXX / XXXX Account Number XXXX PORTFOLIO RECOVERY ASSOCIATES| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX| xxxxxxxxxxxx XXXX XXXX xxxxxxxxxxxx XXXX I have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX, XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX**** over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
|
| 10/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Hi, I had a XXXX XXXX credit card with a small balance of roughly {$600.00}. The balance was not mine and used by the ex husband to credit debt for me so I would struggle as time marched on - we call this fraud.
Subsequently, and conveniently, my identity was stolen forcing to close my accounts and put stop payment on bills - one of which to XXXX XXXX for this balance. The debt collector, several years later, still had the payment owed on my credit - even after attempts to clear this balance in the divorce.
I called to settle the payment issues and explained my circumstances with the abusive ex husband and identity theft issues to which the woman said Im not sure why your calling - you have a XXXX balance. She sent me a letter stating I had a XXXX balance with a balance summary showing a XXXX balance.
Now, almost 5 years later, the item is still sitting unpaid on my credit and when I call they state that I lied and never paid it.
No one in their office ever said or did that and I must be making it up so I dont have to pay. And then raised her voice at me to intimidate me into paying the bill which I previously called to do almost one year later and was told it was cleared.
I feel this is an abuse of power and need my credit cleared up so I can a ) have a home b ) support my families needs c ) be a reliable consumer
|
| 01/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group.
I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.
|
| 01/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.
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| 09/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Older American |
|
Portfolio Recovery Associates filed a lawsuit against me in XXXX State Court in XXXX of XXXX, without contacting me. When I found out about the lawsuit in early XXXX, I submitted a request to produce documentation and evidence supporting their claim, and I notified them that there had been a dispute filed by me against XXXX XXXX in the XXXX timeframe regarding " over-limit '' fees charged as a result of late fees that raised the balance above their own limit - in direct violation of the congressional CARD Act of XXXX. Portfolio Recovery Associates refused to provide the documentation I requested, and as a result XXXX State District Court Judge XXXX XXXX dismissed their lawsuit in XXXX of this year, XXXX.
I submitted a recent dispute to XXXX when I found that the XXXX accounts were still listed as negative items in my credit report, but Portfolio Recovery Associates has denied the dispute, and continues to have a negative impact on my credit report, which has now resulted in continued damage and a rejected mortgage loan application.
I now know that PRA has a history of doing similar damage to other individuals, that has resulted in action on the part of the CFPB in XXXX and early this year. If I would have known that earlier I would have contacted CFPB before the most recent action against Portfolio Recovery Associates.
|
| 08/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
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Web |
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Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.
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| 10/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
|
This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of this account. And when I challenge this account, its called opening a dispute. The reporting this account, on my credit report, please must provide documented proof, for example, a document with my signature on it, that I authorized and provided consent for this account. This is a violation, if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I also request that this account that Portfolio Recovery Associates LLC be moved to arbitration, I have not been served documentation to appear in court, but counsel was notified of a docket numbers XXXX and XXXX in the XXXX XXXX XXXX XXXX for XXXX XXXX to be cease at once, and proper paperwork file and deliver to my address so I can appear.
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| 03/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To whom it may concern, On XXXX XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ).
After opening XXXX disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ).
To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint.
Thank you for your assistance in advance!
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| 03/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XX/XX/2020 I received a call ( one of the worse ) from portfolio recovery. I was already pretty agitated because they call often and I explained I dont have the means to pay that debt off. She began to ask invasion questions about why I dont have income, if Im getting unemployment and why my spouse couldnt pay the debt or give money to help, she was very aggressive which caused me to equally as aggressive. Finally I just hung up. I received another call the next week asking the same questions BUT not as aggressive however, I explained to her Ive already spoken with someone and she said we will call until the debt is paid. I explained that is harassment to call every week about the same issue she stated they Dont have a way to see who called or when they called until they actually call the person. To me this makes no sense but Im tired of the calls, Im tired of this company making me feel worse for not being able to pay back a debt at this time. Even after I explained my son an myself have bad health issues right now they still kept asking when I would pay. At what point do these collection agency have to take responsibility for their actions? The calls I listed are the most recent but this has been going on for at least a year. If I block their number they will just change it an call from a different number. They wont stop
|
| 12/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request.
In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.
|
| 10/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
In XXXX spousal support {$500.00}. for 9 years. End of XXXX ' that ceased and I tried to work with creditor for the {$3000.00}. I owed. But they kept adding fees and continuing calls some XXXX x a day. I filed bankruptcy in XXXX that got lost. My kids unknowingly paid them in XXXX. I again tried to work with them to no-avail. Every time they sell the loan I get harassed. I explain everything XXXX times. The last company every day, threatening to come after me or take me to court. Which I am all for! Then I learned about Cease and assist no communication.so each time in writing I give it to the people. The last time was maybe 6 months ago. Today I got a phone call from the same number XXXX XXXX from a XXXX XXXX from XXXX Recovery. He said my balance was $ XXXX on a {$3000.00}. debt. In XXXX every day multi calls they harassed me so much I had a nervous breakdown. I did everything in my power to work with them to no prevail. My credit in XXXX was XXXX I paid my bills. In XXXX ' I lost my ; spousal support, lost my business, had my regular job cut, was paying {$1200.00} a month on health benefits and my son XXXX while living with he dad. I am a XXXX senior on {$1500.00}. a month. I make too much to get any benefits. I have no credit cards since XXXX ' I owe nobdy nothing and my credit score is XXXX all debts are over 7 years.
|
| 10/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
|
| 09/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has and is currently using abusive, harassing language almost on a daily basis. They have gone as far as to use other phone numbers, names and other telephone numbers in order to disguise who they really are. When they call they never leave a message and or when you answer there call they immediately tell you they are going to sue you.
Other telephone numbers XXXX XXXX XXXX has used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and there are a few more. This doesn't appear to be a reputable, or honest company.
They persistently call 5-8 times a day, and even on Saturdays and late evening Sundays at XXXX. On Saturday XX/XX/2018 at XXXX they called. They will call never leave a message. The few times I have answered they will never identify themselves and or will start telling you that their going to sue you and take you to court. The only reason that I know it is Portfolio Recovery is my caller ID on my phone will pick up their name.
They are using illegal measures to collect on things that I have no information about. Debt that I am not aware of. Several years they did take me to court trying to say that I had never paid a credit card off when in fact I had. When it went to court the judge removed their claim citing that I had a receipt for the amount owed. They are criminals, that lie and abuse the law!
|
| 06/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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This debt was incurred by XXXX XXXX one the year XXXX and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) XXXX XXXX is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.
|
| 08/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification.
They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX.
Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action.
They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ).
Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ).
Thank you for your help in this matter!
XXXX
|
| 09/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.
|
| 03/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
In XX/XX/XXXX and XX/XX/XXXX XXXX collection accounts XXXX for {$3500.00} and XXXX for {$5200.00} respectively were placed on my credit reports by Portfolio Recovery Associates. I had never received any notice in regards to these two accounts and know nothing of their existence until they appeared on my credit reports. I requested numerous time over the past three years for the collections to be investigated with the credit reporting agencies and never got any resolution. On XX/XX/XXXX, I certified mailed this company Debt Validation request letters with return receipts. To my knowledge they received the requests but never bothered to send the return receipts back. I know they received my requests because on XX/XX/XXXX I received responses to my debt validation requests with information from the company showing credit card statements and a letter stating that they will not do an investigation for lack of information. This does not satisfy as being debt validation. To this day Portfolio Recovery Associates has yet to properly validate these two collection accounts. I have uploaded the validation requests that were sent certified mail on XX/XX/XXXX along with correspondences from Portfolio Recover Associates with an Address I have never lived at. For the record I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
|
| 06/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I previously filed a complaint against this comapny wit the consumer financial protection bureau. The complaint number assigned was XXXX. After the company sent a response, you closed this complaint. However since their response is missing information I need to file a new complaint. Portfolio recovery attached copies of credit card statements that have two addresses that I never lived at. The first address they have for me is XXXX XXXX XXXX, XXXX XXXX. XXXX, FL XXXX. The other statement shows this address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX. None of these addresses are mine, and this is the reason why I previosuly requested from Portofolio to get me a copy of the signed credit application. And instead they sent me statements. Statements ca n't help me get to the bottom of this and this is why I demand that Portfolio Recovery requests the original creditor to provide the copy of the signed credit application. I see on those statements that there appears to be payments made to that credit card. Portfolio should also ask the original creditor to provide copies of the forms of payments received such as copies of the checks received, copies of any money orders they received or copies of online forms of payment which eventually contains the bank account name and address of the person that made those payments.
|
| 04/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/2019, a person called asking for " XXXX XXXX. '' I informed the caller, that is not my name. She asked if she was just pronouncing it wrong ; to which I responded, " No, that's not my name. You are calling my phone number, but you have the wrong person ''. She continued talking stating she needed to verify that she was calling the correct number. I continued to inform her the name she is inquiring about, is not my name and to please take me off her call list. She refused stating she needed to verify who she was speaking to. I told her she never verified who she was ; not even at the beginning of the phone call, so I'm not going to give her any information. I said, " You called my number lady, I didn't call you ''. After a few refusals of identifying herself, she said her name was XXXX or XXXX XXXX ; some name starting with an " XXXX '' from Portfolio Recovery. I told her that I know Federal and State laws and how she was calling and I had already informed her she had the wrong person ; was illegal debt collection practices. I told her I no longer wish to receive phone calls ; if she has something to say, the company may send a letter. She then asked, " so do I have the wrong person because we will keep calling looking for our customer? '' I stated, " Clearly, you have the incorrect person. '' Then she hung up.
|
| 03/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Over the past several years, Portfolio Recovery Associates, LLC has been calling me and sending me my personal information ( name, social security number, bank account numbers ) by mail. I have sent two cease and desist letters. I have also made numerous attempts and requests to not be contacted further via phone and email. They have attempted to call me while driving, at work, and at home. They denied receiving any cease and desist letter. I believe that they are trying to get me to send a letter that might re-open their statute of limitations on collecting this alleged debt. The statute of limitations should be over ( the debt originated sometime betweenXX/XX/XXXX-XX/XX/XXXX, as far as I recall. ). I reported this as fraud. It has been removed from all credit reports. The alleged debt amount is unable to be collected otherwise ( IRS, small claims, etc. ) since it is extremely small. I feel I have been harassed for years over a fraudulent claim and an alleged debt that is less than {$200.00}. I will be contacting Consumer Financial Protection Bureau and the California Attorney General 's Office to make a formal complaint and ask for an investigation as to whether Porfolio Recovery Associates, LLC is abiding by The Fair Debt Collection Practices Act. Thank you for your time and consideration in resolving this matter.
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint submission is in regards to a false credit report by Portfolio Recovery Associates LLC, XXXX XXXX XXXX, XXXX, VA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's email so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2020. At this point in time Portfolio Recovery Associates LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of XXXX {$2800.00} XXXX. I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting Portfolio Recovery Associates LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Portfolio Recovery Associates LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have sent multiple letters to Portfolio Recovery Associates asking them to validate a debt they claim I owe in the amount of {$11000.00}.
The first letter I sent was on XX/XX/2022 via tracking # : XXXX XXXX XXXX XXXX XXXX. They responded to me with a bank statement. Which is not proper validation of a debt. I then sent them another letter via tracking # : XXXX XXXX XXXX XXXX XXXX on a second attempt for them to validate this alleged debt. They again responded with a credit card statement.
They have not provided me with the required documentation they are supposed to have.
They have not provided me with what the money I owe is for, a detailed explanation of how they calculated what they say I owe, any documentation bearing my wet ink signature that binds me to pay them, Proof that they are licensed to collect in my state, or their license and Registered Agent numbers.
Not to mention I did not give them any written instruction to place this account on my consumer report and they have violated my privacy rights.
As far as I am concerned, I do not owe this debt to Portfolio Recover Associates because there is no contract bearing my wet ink signature that I signed. This account needs to be removed from all of my consumer reports immediately.
Account Name : Portfolio Recovery Associates Account Number : XXXX
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well.
please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, INTERENAL REVENUE SERVICE PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - XXXX REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
|
| 10/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus 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 correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
|
| 07/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had know ideal I had this account with XXXX XXXX Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.
|
| 03/22/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX.
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account.
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.
|
| 06/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle.
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.
|
| 04/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio Recovery services is attempting to collect an unverified invalid debt that has been disputed and never validated. They have done a inquired check of my credit report with out my permission and without written communication and a opt out in writing.
debt is alleged until proven 15 USC 1691.
Fraud Alert. This account does not belong to you.
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.
Provide me with certified copy of the written permission that you have from me to report anything.
Provide me with all of the written communication with me with my opportunity to opt out.
Provide me with the bona fide evidence that i am all four of the entities on the report.
Provide me with bona fide evidence that you have abided by the law.
|
| 09/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
once again XXXX has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that XXXX the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from XXXX bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the XXXX department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from XXXX bank said there was no other accounts under the XXXX store that she thought maybe they went to the XXXXXXXX department at the bank .there foe she told them and I that there was no way of tracking it down.
then today XXXX/XXXX/XXXX I get this from protfolo recovery associates llc. XXXX bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX
|
| 08/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I owe a debt to XXXX XXXX credit card. The debt was sold to an organization called Portfolio Recovery Associates, LLC. I have been making XXXX dollar payments each two weeks however the organization continues to call me at least two times per week trying to collect the debt. I have received calls from XXXX XXXX XXXX, XXXX ga, XXXX Fl and other unknown locations and it is always the same collection agency. I explain to them I have been making payments and they can stop calling me if I am paying them every two weeks to resolve, but they continue to call. I wrote the customer service dept of this agency and requested they stop calling, still they continue to call. Each time I speak to them the say " yes I see you are making payments, but you have no set payment schedule on file which will stop us calling you. '' I do not feel I should have to put any information on file with them. I do not feel I need to make any type of agreement if I am paying the account. I do not feel I should be called numerous times when I am making payments. This is harassment. I especially feel uncomfortable providing any information with callers from numerous states. I have received callsXXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX in 2017. This is ridiculous please make them stop harassing me.
|
| 12/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon review of my Credit Report I noticed company name : Portfolio Recovery has reported 3 collection accounts under my name. I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. This company also failed to validate this debt. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name.
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
PORTFOLIO RECOVERY ASSOCIATES INC I continue to dispute the accuracy of the two debts you have in your office. In every complaint I have asked over and over that you please provide me with a copy of the contract with my signature on it that shows the legal obligation that I have to pay you Portfolio Recovery Associates INC the amount you say that I owe. Since XXXX XXXX 2017 you have been reporting derogatory information to all three credit reporting agency and even though these two account were in direct dispute rather then halting collection activity during the dispute process you continued to collect and report this information to the credit agencies with the direct attempt to damage my reputation and finances. I would like to point out the follow under the FDCP 809. ( b ) and 812 section ( a ) Based on validated information from all credit reporting agencies and copies of my reports along with the certified letters that were sent to you disputing this information you clearly continued to collect during the disputed process time frame by reporting and continue to report the invalidated derogatory information even though it's still disputed to this day. The only thing that you have provided is photo copies from another company, that is not even your own in a pdf format that can easily be modified or changed.
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit bureaus.
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
My debt consolidation company XXXX XXXX XXXX settled an account for me, completed in XX/XX/XXXX. In XX/XX/XXXX I found a new derogatory account on XXXX listed on my credit report. The account is listed as being acquired XX/XX/XXXX. There are no identifying names to identify who the original account was with, but that this was a debt collection agency called Portfolio Recovery Associates XXXX, XXXX ; ( XXXX ) XXXX. Because I had no idea who they were reporting that I owed {$1400.00} to I was forced to call them. Portfolio recovery Associates said they were collecting on my XXXX account ( settled and resolved in full in XX/XX/XXXX ) and told me that my debt consolidation company XXXX XXXX XXXX was trying to contact them to settle the {$1400.00} and that they weren't going to settle. I informed them they were incorrect, they proceeded with nasty rude unprofessional comments so I ended the call. XXXX XXXX XXXX confirmed that the statement was false, XXXX was NOT contacting anyone about any accounts from Portfolio recovery Associates and that the XXXX account was indeed settled and resolved.
Portfolio recovery Associates have not responded to my emails disputing the {$1400.00} amount wherein I provided, both screenshot and pdf format, the settlement statement from XXXX to XXXX settling the account in XX/XX/XXXX.
|
| 09/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Portfolio Recovery Ass has violated my consumer rights.
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.
15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish an account without my written consent. And i have no contract with this debt collector so how did they get my consent?
15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to buy, sell or report misleading representations of myself, the consumer. Please ensure this creditor and credit reporting agencies correct any and all errors relating to payment history, late payments, for I have never consented to any such terms of agreement. Provide Geo-Location for debt purchase, copy of original contract bearing signature and proof i agreed to deal with any third party.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX .
Date account opened : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX # of Month of terms : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!!
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!!
Please examen their own ledger.
Date of Last Payment : Different Dates and even years!!!!
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger.
Last time reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX and XXXX
Now its even more understandable why all dates and dollars mismatch.
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX refers to!!!!! How do I even know who this account number belongs to???????
Immediately delete this account from my credit report according to
|
| 07/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was served a lawsuit summons on XXXX XXXX, 2016 by Portfolio Recovery Associates. I do not recall ever having any form of contact with PRA prior to receiving the notice to appear for the pre-trial hearing, and had about 2 weeks to draft a response and prepare. I filed an answer and was present at the pre-trial conference/mediation and ended up signing a settlement agreement with monthly payments beginning in XXXX. I brought up some issues I had with many of the false allegations they made in the lawsuit document, as well as their failure to comply with XXXX, but my mediator suggested that despite all these valid points they would n't hold up in a court case. I felt very overwhelmed and coerced into signing a settlement agreement that I particularly did n't agree with. I am not at all satisfied with the settlement amount -- which is much higher than the amount they said I initially owed -- and am having some doubts on the legality of this entire situation. Before I make any payments I would like to know for sure if PRA is truly the owner of the debt they allege is mine. I would also like to potentially have this entire case dismissed due to a lack of standing and failure to provide notice of assignment -- which is a condition that must be met before any attempt to collect on a debt. Thank you for your time.
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received multiple calls from Portfolio Recovery Associates starting XX/XX/21 and each phone call is from a different number. The last phone call was on XX/XX/21 from XXXX.
On XX/XX/21 I answered the line the individual wouldn't state who they were or why they were calling but wanted me to provide information confirming my identity. I refused and the call was disconnected.
I declined the incoming call on XX/XX/21 and called back to discuss why I keep being called. The individual stated that they could not review any information until I confirm my identity. I refused and explained they were calling me no left a message in regards to who they were trying to contact or why. The lady became rude and disconnected the line. I called back and the next gentleman I spoke to I explained that I do not have an account with their company and if they wanted me to provide my information over the phone they would need to provide me with physical documentation before I provide identify information over the phone or they can remove me from whatever call list they have. The gentleman stated he was not going to provide me with information through the mail as I have not confirmed my identity and disconnected the line.
This company is rude and unprofessional and may be collecting information falsely from individuals.
|
| 01/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Portfolio recovery Systems sent me a letter dated XX/XX/XXXX which I just received today XX/XX/XXXX. This is not a refusal to pay a debt, but a request for validation of the said account. Which I have asked for repeatedly over and over again. As per my conversation with one of your representatives ( that i recorded ), I requested that she send me ALL the information about this account so that I can dispute it, I have no knowledge of this account. You have not complied. She warned me that if this debt was verified using my name and Social Security which you already have, that you would still considered this to be my bill. I am sending an official request in writing for ALL records of this account, so that I may do my own investigation. Send me ALL documentation you have, other then when the account was opened and when you received this account from XXXX XXXX XXXX, and by ALL information I am asking for payment records as well as detailed billing of the account. Your letter is somewhat confusing to me, Did you purchase this account, Was it assigned to you to collect, or was it transferred to you? I would also like that documentation as well. Also I would like proof that you are licensed to collect a debt in the state of NY. At this time I would also request that any correspondence to me be done by mail only.
|
| 05/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.
|
| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2016 I went to XXXXXXXX XXXX for lXXXX XXXX XXXX under my XXXX. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the XXXX hairs on my XXXX I was told laser or remove XXXX hairs, and for the XXXX hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my XXXX are XXXX, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to Portfolio Recovery. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporing Act, Portfolio Recovery has violated my rights.
15 U.S.C 1681 section 602 A states I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
With regard to Portfolio Recovery, who is the collection agency responsible for an original debt owed to XXXX XXXX XXXX.
First and foremost, Portfolio Recovery furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2.
Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with Portfolio Recovery in an attempt to rectify the incorrect dates appropriately, however, Portfolio Recovery continues to knowingly report false information on my credit report.
Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that Portfolio Recovery is reporting incorrect information as Portfolio Recovery, themselves, can not even keep the information straight.
|
| 10/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation
|
| 04/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On/around XX/XX/XXXX, I a settlement was made. I called repeatedly requesting the settlement to be in writing.
On XX/XX/XXXX, the company sent an agreement in writing via email, however, it did not state the payment would be final and resolve. On the same day, I replied requested to modify the statement, no reply.
On XX/XX/XXXX, I called and request the same agreement and detailed it should include " once paid, matter considered resolved ''. Representative stated she would get the letter sent.
On XX/XX/XXXX, I called and requested the same.
For about a week or so after, I called almost everyday asking the same.
On/around XX/XX/XXXX, a representative called me asking to resolve matter. I explained the situation and she, again, promised to get agreement sent via email.
On/around XX/XX/XXXX, same representative called stating that the agreement was sent. I informed her I did not receive it, additionally, she insisted that it was sent. But when asked for the same email to be forwarded, she refused.
Finally, she stated that since it is not past the " agreement '' date, the full amount is due.
It seems the company purposely did not send me the agreement in order to make it look as if I missed the agreed date. I stressed how often I called to ask for the agreement, but every time they failed to sent it.
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Portfolio Recovery has continued to report an account on my credit file without verifying with me if the account is mine. This reporting has caused me tremendous stress and resulted in denials of credit. I demand to see a contract that I have signed with Portfolio that proves I have a legal obligation to pay them anything. I also want to see proof of their agreement with XXXX XXXX that gave them authority to obtain my personal contact information and allege I owe a debt to them. I have never done business with Portfolio Recovery and according to federal law, they were to notify me that they were placing this negative information on my credit report 10 days before doing so, and they did not. They also can not provide proof that they have. This company has called and harrassed me constantly. I never gave Portfolio Recovery permission to report to provide any credit reporting agency ANY information about me, especially any negative information. In addition to reporting the negative info, they are reporting different info to each agency. No dispute was EVER resolved with me contrary to this lie Portfolio has communicated. There has been NO activity on this alleged account so how are there any recent reporting dates on it? I am in position to pursue Portfolio legally if they do not remove this from my report
|
| 06/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Portfolio Recovery has shared my personal illegally with the scam company XXXX XXXX without notifying me of selling my information. XXXX XXXX has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched XXXX XXXX in my state and they don't even have a collection license. Portfolio Recovery has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to Portfolio Recovery. What kind of racquet are they running? Create a strawman, make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like XXXX XXXX which has a website with no information that could've been made by a XXXX year old. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
|
| 12/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I was sent via XXXX a letter from XXXX XXXX XXXX for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for XXXX XXXX XXXX stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called XXXX XXXX XXXX and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at XXXX XXXX XXXX I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XX/XX/XXXXthe day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
|
| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio Recovery Associates was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process.
The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations.
Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX
A debt is being reported under my name, and I have no idea of what XXXXXXXX XXXXXXXX is- I have not ever had a bank account with this bank or a XXXX XXXX credit card.
My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX and XXXX XXXXXXXX XXXX thus this could have possibly contributed to someone having my personal information in which to open this account.
However, I have requested a contract, or actual documents but again ; Portfolio Recovery Associates has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
|
| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Many times within the last five years I have disputed this with portfolio recovery associates. I have asked them to prove that I owe this debt. All they sent me each and every time was four pages that showed amounts from $ XXXX- {$1600.00} which I disputed. I asked portfolio recovery on many occasions to send me from day one anything that shows that I purchased something, a signature card where I had signed for something. They have not provided me any information that I have asked for. And the funny thing is I asked them on XXXX XXXX XXXX and they had an answer for me on XX/XX/2021. Even though I dont owe this amount of money I have offered to settle with them for {$500.00} if they are willing to take this off of my credit bureaus all three and they have refused. My complaint is that they are not thoroughly investigating Any of the debts that I owe. That is my complaint and if I dont get this resolved by you Im taking them to court and I am suing them for XXXX figures through my attorneys XXXX and XXXX. They have ruined my credit reputation, they have not done their legal fiduciary responsibility and Im sick and tired of calling them and have them being rude to me telling me that theyre going to sue me at threatening to sue me and they never do so I hope you people can certainly help me out. Thank you
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| 03/22/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Portfolio agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from Portfolio stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.
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| 05/14/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is getting ridiculous. This account is not mine. Portfolio continues to report this to the credit bureaus and does not even have the information to provide me. The letter from the creditor dated XX/XX/XXXX shows this was for a LOAN. I have never had a loan with XXXX. Every response the send me is the same information over and over again and nothing new. They provide me with statements that show between XX/XX/XXXX - XX/XX/XXXX nothing at all between XX/XX/XXXX - XX/XX/XXXX. That is 4 months of missing with nothing to show. How do I know there was not a payment, how do I know that the account wasnt closed and paid for. Also if this says for a LOAN on the letter why are they sending credit card bills. No charge off the bill showing when it was truly charged off.
This has been going on for months. They dont even have my full social security number. They dont respond to my disputes in regard to what I am actually asking for and just keep sending the same generated responses.
If this account isnt immediately removed I will file a lawsuit for defamation and harassment. I have had enough.
NO purchase agreement, principal on the letters says XXXX and they are asking for XXXX. I also never have had a loan. Never got a letter from XXXX or anything from my portfolio until I started to dispute the charge.
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| 10/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I reported this matter to the CFPB and Portfolio Recovery Associates, LLC gave a company response that they would Cease & Desist all collection efforts as they are not my original creditor and I do not wish to work with them. I was very specific in my request that they remove all negative reporting they are doing to the 3 major credit bureaus as they are damaging my credit profile. Not only have they NOT REMOVED the reports from XXXX, XXXX, and XXXX they are reporting that the account is accurate and CONTINUING COLLECTION EFFORTS as well as having sent now 4 letters to my residence attempting to collect on the debt in question. I will inlude the 8 page letter because it is front to back herein as Portfolio Collection Letter. PORTFOLIO RECOVERY ASSOCIATES, LLC is not respecting my Cease & Desist request they pretended they never recieved also inclosed herein as Portfolio {$310.00} furthermore they are not removing the negative reporting and continuing to VIOLATE my rights. I implore the CFPB to please assist me with my requests. I will Include all documentation to make proof of my claim. The screenshots indicate Portfolio remarking that the dispute is resolved and the customer disagrees. Portfolio is being deceptive and I need help. I am also enclosing reports from the 3 major credit bureaus as well.
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| 11/02/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Portfolio Recovery Associates has a collection against me claiming that they purchased an old debt from XXXX XXXX. This is a complete scam as the debt was so old it was no longer posted on my personal credit bureaus. So now we have Portfolio Recovery Associates claiming that they purchased a debt originally written off and settled upon in 2008. As I stated, the account was so old it is no longer posted on any of my credit bureaus. Portfolio Recovery Associates happens to be running a scam, filing on my credit reports that they purchased a 10-year old debt. I request full documentation of ownership in the following criteria : 1 ) The payment history from XXXX since the account procurement.
2 ) A copy of the debt pooling agreement XXXX pledged the debt asset to, and the terms of transfer back to XXXX once the account went into a charge off status.
3 ) The timeline when the debt was either settled or permanently written off.
4 ) A true copy of the transfer of ownership to PRA if it ever existed.
Upon the proof that any one of these criteria 's can not be ascertained, I need written validation that my file information has been purged, and that PRA has permanently eliminated the negative trade line from all credit bureaus.
This type of debt purchase scams has to end on a national level.
XXXX XXXX
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| 07/19/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/19 Portfolio Recovery from XXXX called my home phone per my caller id, but they did not leave a message. I am not sure of the exact time as my caller ID has erased the time. I called them back later in the evening, and asked who they were trying to reach. They asked me for my name, I gave them my first name only explaining I did not feel comfortable giving my full name AND THAT they called my number. I asked them to please tell me who they were trying to reach so I could validate if they were reaching the correct phone? The agent refused and said that I have to give her my FULL NAME to see if I have a debt with them. I explained that I did not have a debt with them and I was calling to let them know that they most likely have the wrong number. I asked to speak with a supervisor at that point. I told her the same thing and she said " By law they can call me ''. I told them to stop calling my number and she continued to speak over me saying " By law they can call me. I told them " BY LAW " if they can not tell me who they are trying to reach and I tell them to STOP CALLING my number, than they have to stop calling me. I terminated the call. I did not give them my last name only my first name. I did explain to them that I receive calls asking for people I do not know and do not reside with me.
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| 02/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Portfolio Recovery Associates has committed fraud and defamation. This company alleged I owe a debt however has not provided a copy of the XXXX or a copy of a lawful and legally binding contract between between myself and Portfolio Recovery Associates bearing my signature furthermore Portfolio Recovery Associates is not Licensed, Registered or Authorized to operate in the state of New York Where I reside a copy of all the state where they can legally operate is enclosed as an attachment. This company has also violated 15 USC 1692j ( a ) by furnishing deceptive forms to coerce me into thinking I owe this alleged debt which I will NOT pay unless they provide a copy of the XXXX, a lawful and legally binding contract with my signature between myself and Portfolio Recovery Associates and a copy of their license showing they can legally and lawfully conduct business in NYS.
Further as a financial institution as per 15 USC 6827 ( 4 ) ( A ) has disobeyed 15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and sharing my non public personal information with non affiliated third party XXXX XXXX companies which has caused injury to my character, reputation, credit worthiness, credit standing and my right to extend credit. Proof provided as attachment labeled as Exhibit B
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| 05/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Hello, I would like to put in a complaint agains t Portfolio Recovery Associates LLC. I was unaware when they sent me a letter dated XXXX / XXXX / 2015 that a check was enclosed in the amount of {$200.00} in which the letter stated the following : " On XXXX XXXX , 2015 , Portfolio Recovery Associates LLC entered into a Consent Order with the Consumer Financial Protection Bureau regar ding out Litigation Department collections calling practices. Enclosed with this letter, please find a check from Portfolio Recovery Associates LLC ( PRA ) whi ch is a refund check made in accordance with the terms of the Consent Order. '' I have contacted Portfolio Recovery Associates twice tod ay at XXXX and was told by both associates that there is no way that I would be able to get a new check issued or have the check amount applied to my balance of {$500.00} that I still have with them over my debt with my credit card ( XXXX XXXX ) a nd I stated to them that I did not understand if the check was not cashed that the money should have gone to the Unclaimed Property for either my state or the state the check was written in, however, they just both said that I was out of luck in the trying to recover the check amount, therefore, I contacted you since you company 's name was mentioned in the letter.
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| 09/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The reason of my complaint is because PORTFOLIO RECOVERY ASSOCIATES has done a major violation of my rights under FCDPA this is why : I sent them a letter on XX/XX/2021 telling them that THE STATUE OF LIMITATIONS has past on the alleged debt they claimed to be owed to them. Recently checking on my credit I notice that the alleged original amount is {$2600.00} and the alleged balance owed is {$2.00} ,XXXX a difference of {$38.00}, According to my credit report I had payed off 1 % which is totally false PORTFOLIO RECOVERY ASSOCIATES has committed fraud by paying itself to make it seen like if I make the payment but those are common violations done by junk debt buyers to restart the statue of limitation on debt. With the help of CFPB I demand for PORTFOLIO RECOVERY ASSOCIATES to provide proof of any payment made by me as you claimed in my credit report that I did, if they can not provide any proof ( checks, withdraws from account, copy of money orders etc ) whatsoever I will have no other alternative but to seek legal advice and file a formal complaint to the California State Attorney General and the FTC. ATTACH TO THIS LETTER I AM PROVIDING CFPB WITH : - THE STATUE OF LIMITATION LETTER I SENT TO PORTFOLIO RECOVERY ASSOCIATES., - A COPY OF MY CREDIT REPORT WHERE IT SHOWS THE VIOLATION CLAIMED ABOVE
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| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Portfolio Recovery Associates properly investigated this account because there are obvious inaccuracies.
First off, the balance does not match. XXXX is reporting a balance of {$2700.00} while XXXX is reporting {$3300.00}. If this has come from the same furnisher there is no way the balances can be different.
The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is Portfolio Recovery Associates ' job to make sure this information is correct by conducting a proper investigation.
Portfolio Recovery Associates has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the XXXX duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to.
Portfolio Recovery Associates has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.
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| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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In XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I XXXX XXXX via written communication to Portfolio Recovery Associates LLC regarding three accounts that were opened in my name without my authorization. I an an Honorably discharges XXXX XXXX XXXX, and I was homeless for 4 years during the time that these accounts were opened. I have been contacting Portfolio Recovery Associates LLC to show me proof that I opened these accounts, but to no avail.They also have not seen fit to remove these accounts from my credit report. This has resulted in extreme difficulty for me to get back on my feet and also to obtain the resources necessary to take care of my XXXX children.
Portfolio Recovery Associates LLC are aware and have made me aware that the statute of limitations on the accounts have expired, Portfolio Recovery Associates LLC have not made any attempts to remove these items from my credit report.
The accounts in question are as follows : XXXX XXXX XXXX ( XXXX ) XXXX. amount of {$2200.00} XXXX XXXXXXXX XXXX ( XXXX ) XXXX. amount of {$5100.00} XXXX XXXX amount of {$3500.00} I have never had any issues with my credit and I have traveled the world with the XXXX XXXX for over 10 years with no issues regarding such. I pray that The CFPB can assist me in getting this matter resolved without prejudice.
|
| 07/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
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Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ).
Every day im terrified ill starve to XXXX because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do.
Im a former consumer reporter myself so i know how to facilitate this.
Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.
|
| 08/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In XXXX, I contacted the collections agency to find out if I could settle on a debt. The representative told me that if I pay {$170.00} out of the {$270.00}, the debt would be considered paid in full, settled and the credit bureaus would be updated of the new status. However, after checking my credit report, I see there is still {$76.00} on the credit file at the bureaus. Apparently, the collections agency only reported that I paid {$170.00}. The agency never followed up with doing what I was told would happen and that would be to report to the credit bureaus that the debt is paid in full. Additionally, the representative at the collections agency said that the only option to pay was by giving my bank routing and account numbers and that paying with a debit card is not an option. I truly believe that this was intentional, because they knew disputing the bank, after finding out I was deceived would be hard. Whereas, if I paid by debit, this transaction would be disputable to the bank, when I found out the agency would/did not report to the bureaus that the debt is paid off. Even more, the representative told me that I would receive correspondence by mail that outlines that after paying the {$170.00} that the debt would be settled and paid off fully. However, I never received anything in the mail.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/XXXX I received an alert from my credit monitoring service of Portfolio Recovery Associates, LLC attempting to collect on a debt that I do not owe. Account number XXXX XX/XX/XXXX I sent a certified letter requesting debt validation. The letter was received and signed for on XX/XX/XXXX by someone named XXXX XXXX.
XX/XX/XXXX I emailed XXXXXXXX requesting debt validation. I received an account summary dated XX/XX/XXXX which states VALIDITY. Im not requesting validity my request is for DEBT VALIDATION.
XX/XX/XXXX I emailed XXXX requesting debt validation again. Once again I received a letter dated XX/XX/XXXX from the Disputes Department as an account summary. My request is for DEBT VALIDATION XX/XX/XXXX I emailed XXXX once again requesting debt validation and to advise them I would not accept an account summary as debt validation. Its a big difference in the two.
XX/XX/XXXX I emailed all three credit bureaus advising them that Ive requested debt validation from Portfolio Recovery and as a consumer debt validation must be provided.
XX/XX/XXXX I sent yet another certified letter which was received and signed by a XXXX XXXX. No response as of today.
Ive used every resource provided by the credit bureaus and Portfolio Recovery to get this inaccurate information removed from my credit report.
|
| 07/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Upon discovering this debt on my credit report, I disputed through each of the credit bureaus multiple times. It had only been removed from XXXX through that method so I then made direct contact with Portfolio Recovery by letter to dispute the debt. I have asked for validation of the account and each time I have received nothing back but a statement of charges. This does not validate the debt as mine. I also have never entered into any kind of contract with Portfolio Recovery and am not obligated to pay them. On XX/XX/XXXX I submitted a letter to Portfolio 's Dispute Department via email to XXXXXXXXXXXX. I asked them to provide me with any and everything that would prove that the debt is mine, including a copy of the written agreement that created my original requirement to pay. I later received a letter dated XX/XX/XXXX stating that " PRA, LLC has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only documents attached were copies of some account statements showing the charges. There was nothing indicating that the debt was indeed mine. I disputed the account directly again on XX/XX/XXXX. On XX/XX/XXXX I received the same exact letter and statements as I did after the last dispute. Again, nothing validating the debt as mine.
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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I sent a letter to the Portfolio Recovery Associates on XX/XX/2018 requesting that they validate, NOT verify, a debt that they are reporting on my credit file. I, then wrote XXXX and XXXX on XX/XX/2018 to inform them that the company never responded to my request. XXXX responded by deleting the invalidated reporting. XXXX has " verified '' the reporting as accurate by matching the reported social security number to mine. This is not proper validation. Portfolio Recovery Associates did not respond to my request for validation in a timely manner as according to the law. Not only did they fail to provide any documentation or evidence bearing my signature, they failed to reply to my request to have the item delete as they are legally required to do. On XX/XX/2018 PRA sent a billing statement in reply to my request for validation which does not prove that I am obligated to pay or owe this debt. They sent the same documentation again on XX/XX/2018 and stated that they have " completed their investigation '' and will " not be conducting another investigation '' because my " dispute alleges no new facts and includes no new information in which to form the basis for a new investigation. '' They have reported delinquent and invalidated information to the credit bureaus that I am asking to be deleted.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Account - Possible Fraudulent Activity Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the existence of an account associated with Portfolio Recovery Associates XXXX which is listed on my credit report. The specific details of the account in question are as follows : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Date of Account Opening : XX/XX/ After a meticulous review of my credit report, I want to bring to your attention that I have no knowledge of this account, and I dispute its legitimacy. I have not opened, authorized, or engaged in any transactions with Portfolio Recovery Associates.
The information reported, including the original balance, past due amount, and the status of the account, does not align with my financial activities or history. Given these discrepancies, I am deeply concerned that this account may be the result of fraudulent activity or identity theft.
I am formally asserting that this account is not mine, and I firmly believe it to be a case of fraud. In light of this, I am requesting an immediate and thorough investigation into the origin of this account. I kindly ask for your cooperation in rectifying this matter promptly.
|
| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
|
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Portfolio Recovery Associates are calling me repeatedly, threatening to take legal action against debts that are over 6 years old. They call me everyday, they will not provide accurate details on the original creditor associated with the accounts, they continue to report them to the credit bureaus as delinquent but will not provide me with any information about them. The age of the original debt is on my credit report and is over 6 years old as per what Portfolio Recovery Associates is reporting. It is really damaging my credit, I have other revolving accounts that are paid on time and have small balances if any at all yet what this company is doing is making it hard for my credit score to go up. They are reporting to XXXX that they are not a collection agency and on my credit report it looks like I have open accounts that are not being paid, even though they are listed as closed on XXXX, which makes them impossible to dispute. They are harassing and bullying me everyday, all day long, destroying my credit, I can not dispute the transactions on my credit report, they said they can sue me for the full balance or I can pay them in full, otherwise, they will continue to report me as delinquent. I do not know how this is legal to do. especially when the account shows that its over XXXX XXXX XXXX.
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my XXXX credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.
|
| 11/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have tried multiple times to contact portfolio recovery collections and the credit bureau XXXX regarding the three debts that they have in collections on my credit report. This company is devious and has put the wrong open dates wrong on my credit report along with constantly trying to contact me. The original debts were opened many years ago and if you even call and attempt to speak to anyone in the company they will immediately assume that the debt is yours and change the open date of the debt and the credit bureaus will not listen to the consumer but to the debtor. I have tried to fight these old debts and have gotten nowhere.
I do not have all of the dates of when I have contacted portfolio recovery - for if I do, it makes it worse. I just recently tried to fight the credit bureau again within the past 6 months and the gentleman on the phone was extremely rude to me.
The amounts of the three debts are : {$960.00} - open XX/XX/XXXX {$940.00} - open XX/XX/XXXX {$890.00} - open XX/XX/XXXX These dates are NOT the original open dates of any past due debts that I own. If you look at my credit report, all of my credit has been paid on time.
I am fed up and frustrated about what else to do. I have sent them letters and I just don't know what else to do. I really need your help.
Please help!
|
| 09/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from Capital One Bank in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but XXXX XXXX XXXX left a balance of {$1300.00} on my credit report. It appears that XXXX XXXX XXXX is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a XXXX XXXX XXXX representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The XXXX XXXX XXXX representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that XXXX XXXX XXXX is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that XXXX XXXX XXXX is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that XXXX XXXX XXXX is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
|
| 10/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
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To : CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGED FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX & Portfolio Recovery. AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 8 YEARS. Portfoilo recovery HAS AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY.
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| 04/04/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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For over two weeks ( today is XX/XX/XXXX ), my husband and I have been receiving phone calls, day and afternoon, and evening, from a company called Portfolio Recovery Associates. Sometimes, it is several times per day. They do not leave a message, or when we do pick up the phone, there is no one there -- it 's just dead space. I have called one of the numbers back ( this company has a lot of different numbers ), and I have gotten a person. This employee of Portfolio Recovery insisted on knowing my name, which I refused to give to her. WE HAVE EXCELLENT CREDIT RATINGS AND NO, NO, NO DEBTS IN ARREARS, EITHER NOW OR IN THE PAST. I told her this and demanded that our phone number ( a land line ) be taken off their list. ( I had called their number, XXXX, prefacing it with XXXX, so they would not see our names in their caller ID. ) She could NOT tell me my name, and I kept saying that several other people had had our new phone number ( before we obtained it, three months ago, XXXX. ) She said she would 'take your number out of our system. '' I said that if she did not, ourlawyer would be getting involved. I know that I will be getting more calls from these unethical people. I have read horror stories about this company and others, who harass people such as us who DO NOT HAVE ANY DEBTS IN ARREARS!
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| 11/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I asked for what i am entitled to receive for debt verification. What i received from Portfolio Recover Associates, XXXX is laughable. They told me they didn't need to provide. I am requesting 1 ) An original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor no jut buying debts for pennies on the dollar to collect illegally ) 3 ) Proof that you are licensed to collect debts in the state of Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not jus pages of an account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.
Additionally, Portfolio Recovery Associates broke the law by reporting this on my credit bureau. I absolutely disputed this within my 30 day period. I have attached proof of all communication with PRA. I have consulted
a lawyer and plan to bring this to litigation if this isn't removed from my credit bureau. Portfolio Recovery Associates doesn't get to dictate what they send for Debt Validation.
Please see attached.
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| 05/23/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and a copy of a statement was shared, XXXX XXXX , 2017 However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.
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| 04/20/2023 |
Yes |
- Debt collection
- Federal student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute.
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the UC Board with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ).
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So Portfolio Recovery should not even be involved in collections efforts regarding this terms ' loan
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| 09/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX XXXX However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics.
( 1 ) XXXX SC XXXX Portfolio Recovery Associates, LLC brought this old credit card from XXXXXXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also Portfolio Recovery Associates, LLC posing as XXXX XXXX XXXX ( XXXX ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, XXXX posing XXXX XXXX ( XXXX ) ; we are currently in dispute
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| 09/02/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I made settlement arrangements with the company in which I could not afford to keep. After multiple checks had bounced, I spoke with a representative and advised her I would like to cancel ACH authorization and they still proceeded to run the checks. This has caused an extreme hardship on my end due to multiple overdraft fees. I was told that the company would not reimburse the fees that they had caused and any monies that were paid by my bank after advising Porfolio Recovery to stop the drafts would not be refunded. The " supervisor '' XXXX XXXX refused to give me the name of the representative in which I spoke to originally and told me that the ACH 's are submitted at XXXX XXXX. and could not be cancelled the day of. I was not informed this by the representative I had spoke with to cancel the ACH draft, and I was clear that I did not want those payments to be submitted and was clearly informed on their " recorded line '' that my request was understood and would be honored. The supervisor continued to over talk me was rude, very unprofessional and hung up the phone during the call. I have worked in the financial industry for years and never has any company I worked for/with ever ran ACH payments at XXXX XXXX while no one is in the office!! They are not a bank they are a collection agency!
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| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Portfolio Recovery is a SCAM! I submitted a complaint outlining false reporting around the date a XXXX XXXX credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold Portfolio recovery responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
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| 10/31/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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I have been getting almost daily phone calls for months from some company called Portfolio Recovery Associates, LLC. They keep calling my number from many different phone numbers to prevent me from blocking them. I am on the National Do Not Call List and have reported them every time they've called my line. I am NOT in debt! I have received several calls from debt collectors for someone named XXXX XXXX XXXX, who I assume used to have my landline number. I've had this number for almost 3 years though, so if that's who this PRA outfit is trying to collect from, their info is years out-of-date. I emailed them directly and also contacted the XXXX about this company and their harassing phone calls, which they forwarded to PRA, but the calls continue. I got one today. They call morning, afternoon, night, weekends, holidays, whenever, starting at XXXX XXXX. I just mailed them a cease-and-desist letter. I don't know who they think they are calling by calling my phone number, but I've told them plainly they are calling the wrong number!! The FTC should have all the reports I've filed with them about this unethical company and their repetitious, annoying calls to my home. They don't care that I'm on the Do Not Call Registry, that's obvious, but maybe the Attorney General of SC will make them care.
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| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Thank you for your time and help in this matter.
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| 08/04/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Portfolio Recovery Associates stated that an account and its proceeds were sold, assigned, and transferred by the seller on XX/XX/XXXX. They stated the seller provided an electronic file of its business records concerning this account. Their office considers this matter closed. Despite request to PRA in XX/XX/XXXX, XX/XX/XXXX to all three CB, XX/XX/XXXX to all three CB, XX/XX/XXXX to PRA, they will not furnish any data that states that this debt is MINE and most importantly they dont have a signature or contract with me to report on my credit. I have made numerous attempts to resolve this inaccuracy and they WILL NOT send me proof.They are breaking the law by reporting inaccurate data to XXXX, XXXX, and XXXX. PRA is in Violation of the FDCPA ( including but not limited to Section807-B ) and the FCRA ( including but not limited to Section 623-b ). I have yet to be provided with the following information : 1. Evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.What is their authorization of law for their collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Provide evidence/proof of the alleged debt including specifically the alleged contract or other instrument bearing my signature.
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have encountered a dispute with Portfolio Recovery Associates regarding an account with the following details : Account Number : [ Account Number ] Account Type : Debt Buyer Date Opened : [ Date Opened ] Collection Account : $ [ Collection Amount ] Original Balance : $ [ Original Balance ] On [ Date ], I noticed inaccurate information on my credit report, specifically related to the account listed above. The reported information does not align with my records, and I have reason to believe it is not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ).
Despite my attempts to address this issue, no satisfactory resolution has been reached. I have taken the following actions : On [ Date ], I contacted Portfolio Recovery Associates via [ communication method ] to dispute the inaccuracies in the reported information.
I provided documentation to support my dispute, including [ mention any supporting documents ].
I am seeking a prompt and accurate resolution to this matter in accordance with the FCRA. The accuracy of my credit report is of utmost importance to me, and I am prepared to take further steps as necessary to address this dispute.
Please let me know how this issue can be resolved at your earliest convenience.
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| 11/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, PORTFOLIO RECOVERY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). PORTFOLIO RECOVERY has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.
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| 06/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good afternoon. I want to keep this short & to the point. I have mailed in two debt validation letters ( A. ) Mailed on XXXX B. ) Mailed again on XX/XX/2021. I had never received a proper or any form of response to my debt validation letter. I received a letter dated XX/XX/2021 in reference to account # XXXX in mid XXXX. On XX/XX/XXXX I again mailed in a third debt validation letter. Not receiving any correspondence from PRA prior, I mailed another debt validation letter. Today, XX/XX/2021, my wife and I called PRA to inquire as to why we havent received any response to our debt validation letters. We first spoke to a XXXX XXXX who informed us she could not discuss this account with us and that we would have to talk to the attorney. We asked to talk to someone over Ms. XXXX and they transferred us to XXXX XXXX, who refused to talk to us either. I am alarmed & baffled that they have blatantly and disrespectfully refused to conform with Federal Laws. Upon receiving the first ( XX/XX/2021 mailed ) debt validation letter, we shouldve received a response including the original purchase agreement. Im assuming they can not provide the information requested & that may be why theyre refusing to me. The two debt validation letters mailed, were mailed prior to any contact from the attorneys office.
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| 05/17/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
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| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.
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| 05/21/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been going back and forth with Portfolio Recovery Associates about them trying to collect a debt against me, not owed, and failing to validate a debt. On XX/XX/XXXX, they sent a fraudulent document claiming the document came from the alleged creditor. This letter was never sent to me by alleged creditor because there was no account with them, so it could not have been sent. Additionally, PRA has been requested on 4 different occasions, to provide anything with my signatures, any transactions history, and any contracts I have ever had with your client. I also advised them that PRA LLC is a 3rd party, so you have no rights to collect anything from the alleged debtor since your company is not on any contracts ( The contracts in which you have failed to provide, in the first place ). I have no contract with you or with this alleged creditor. According to 73 Am Jur, 2d, Section 90-93, YOU HAVE NO RIGHT TO SUBROGATE YOUR COMPANY INTO ANY CONTRACT, WHETHER IT IS BY PURCHASE, ASSIGNMENT, TRANSFER OR TRADE. IF YOU BOUGHT THIS ALLEGED DEBT ( THAT YOU CLEARLY CAN NOT VALIDATE BELONGS TO ME ), THEN YOU DID SO ON YOUR OWN BEHALF, NOT AT THE REQUEST OF ANY ALLEGED DEBTOR, AND THEREFORE ARE A STRANGER TO THE TRANSACTION. Your company can not act as a substitute for the original alleged creditor.
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| 04/22/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt
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| 05/22/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
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| 08/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Please forward me an updated credit report after you have completed your Investigation and corrections.
Your cooperation and prompt attention are greatly appreciated.
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| 02/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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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.
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| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.
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| 08/13/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Portfolio Recovery Associates, a debt buyer, is reporting an unpaid collection account on my credit for {$830.00}. I've never received anything in writing from this creditor about this alleged debt ; therefore never receiving notification of my right to dispute the debt or request information regarding the original creditor as required under the Fair Debt Collection Practices Act. They have simply attempted to contact me by phone.
During the initial communication, which was by phone, I also requested that validation regarding the debt be sent to my home address so that I could research the alleged claim. Again, they failed to send the validation as required and I still have yet to receive anything in writing regarding the alleged debt ; much less any documentation reflecting the original creditor or substantiating the balance claimed.
However, they have now reported the supposed debt to the credit reporting agencies as of XX/XX/2021. I feel this in violation of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and that they have violated the Texas Finance Code 392.202 in that I have clearly verbally disputed the debt yet have never received the required written dispute response letters required under that statute.
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| 08/08/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Literally every single day for the past four months, I have received a call on one of my phone lines XXXX XXXX and XXXX ) from Portfolio Recovery Services. When I answer the call, the person on the other line either disconnects the call or asks for XXXX XXXX. While my name is XXXX XXXX, I am not the person they are trying to reach. They are trying to reach my father who has the same name. I tell them this, and they assure me they will remove them numbers from their database. And then the situation repeats the next day.
Each time I conclude one of these calls, I block the phone number they called from, but it does no good because they call from a different number the next day. To date, I have blocked a total of 133 numbers from 19 different states between two phone lines. I sincerely doubt that Portfolio Recovery Services has operations in 19 states across the country, so this in and of itself is deceiving.
I want both of my numbers removed from Portfolio Recovery Services database and the calls to immediately stop. There is simply no excuse to harass someone on a daily basis, calling from a different phone number each time so that the person on the receiving end of these calls is essentially left to suffer the continued annoyance. And Im not even the person theyre trying to reach!
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| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XXXX or XX/XX/XXXX, I called Portfolio Recovery to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX I moved in XX/XX/XXXX from XXXX to XXXX and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact XXXX XXXX the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX group several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to XXXX XXXX and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
|
| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was away in XXXX for 10 years when I came back home in XX/XX/XXXX I tried to get an apartment. I contacted all the companies that said I owed and they all said I still have to pay it or my credit will be ruined and possibly be sued. I spoke to my lawyer and I was afraid of going back to XXXX. He told me to reach out to you for help. This all happened from XX/XX/XXXX- to recent. I never had credit.
XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX Status Closed Balance {$450.00} Type Unknown Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX Status Closed Balance {$0.00} Type Unknown Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Collection Payment Status Late XXXX XXXX Status Closed Balance {$2400.00} Type Unknown Payment Status Late XXXX XXXX XXXX Status Closed Balance {$11000.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$270.00} Type Collection Payment Status Late PORTFOLIO RECOV ASSOC XXXX Status Closed Balance {$6300.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$9600.00} Type Installment Loan Payment Status Late
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| 03/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.
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| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I keep receiving bills from the Portfolio Recovery Associates, LLC about credit that was offered to me in the XXXX XXXX of XXXX, XXXX, New Jersey the medical services and dental services I informed that the charges was not submitted to Health Insurance providers which are XXXX XXXX and XXXX and States of New York Medicaid and that this company brought the debt from the bank with my medical history and did not ensure that Medical providers had mad they payment for the treatment I made services request for the to submit this to Health Insurance they informed the do not do that they only responsible is collect the debt with proper insuring that the agency have process the treat in the company billing system is this legal for XXXX XXXX and XXXX XXXX to sell my medical treatment services date and what I was treated for with proper submitting to Health Insurance and is it legal for banks to sell you credit information to collection agency the information share was medical and should have been protect by Privacy Act and XXXX XXXX should also been protect by Federal Regulations Laws for Privacy and sharing of Banking products and customer information is this legal and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations.
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| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Electronic communications
- Frequent or repeated messages
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Web |
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To whom it may concern, I have no more choice but to report it here. I want to make a complaint against Portfolio Recovery Associates and their act of abuse.
As far as I know, under the Fair Debt Collection Practices Act, 15USC 1692 g, Sec 809 ( a ) and ( b ), Debts collections should not contact people after they were told to " Please cease and desist all calls and contact with me immediately ''.
I believe it was one of the complaint here or in another site complaint.
In addition, almost every month, they take control of all my credit reports ( XXXX, XXXX and XXXX ) by updating the balance and status which is hurting my credit scores ( Please see the attached ) when I have never contacted them so they are not authorize to update this information without my authorization or consent.
In addition, they are not the original creditor and the date of the account was opened back in almost 7 years ( not on XXXX ) and this account is schedule by all credit reports to close by XX/XX/XXXX or schedule to be delete it by XX/XX/XXXX.
This is a violation!
I am including also letters PRA sent me after request to cease and desist that they still sending this letters to me.
According to the FDCPA the court must award you not less than {$1000.00} in statutory damages for each violation.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by PORTFOLIO RECOV ASSOC. While checking my credit report, it came to my notice that PORTFOLIO RECOV ASSOC has furnished an account XXXX on my report.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by PORTFOLIO RECOV ASSOC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX
Any further contact by your Agent or PORTFOLIO RECOV ASSOC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation
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| 09/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Collection account on my credit report for the amount of {$970.00}. This was noticed when we applied for a mortgage loan. Prior to this, I was unaware of this account. My husband assumed that this was an account that I had opened and sent in payment when a statement was received in the mail, and he never mentioned it to me. When I noticed this on my credit report, I contacted Portfolio Recovery. They are unable to tell me who the original creditor was, or who applied for the card in my name. The account was created online. They can tell me that it was a XXXX. This is not my account. There is also an address listed on my credit report out of XXXX, VA. I have never lived in XXXX, VA.
Portfolio Recovery has asked me to send in supporting documentation to prove that I have never owned this account. I have no such documentation, as I would not, because I did not open this account.
I have communicated this information to Portfolio Recovery several times, only to be sent a letter telling me that they are unable to tell me who the original creditor was ; but that this account is not in error.
This account is fraud. I never opened it. I did not use it. My husband paid on it, because he assumed it is something that I opened. I did not.
Please help me, as we are trying to buy a home.
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| 08/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am in disagreement with the item listed below which still appear on my credit report, even after your XXXXvestigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
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| 07/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your
responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I found derogatory comments and collections on my credit report. I wrote to portfolio recovery assc. and the three credit bureaus expaining that the collections we're not mine. portfolio recovery reported on my credit report that I owed them {$2400.00} for a credit card account open on XX/XX/XXXX and a credit card account open XX/XX/XXXX for {$990.00}. and a credit card open XX/XX/XXXX for {$600.00}. I told them that I never open any account with them and to please remove this from my credit report. that was the first letter I sent out on XX/XX/XXXX. I got bills from portfolio recovery but it wasn't in the right spelling of my name. Second letter I sent on XX/XX/XXXX I challenged the validity of these accounts therefore, verify accounts. I was sent a fraudulent letter from portfolio recovery that they said XXXX XXXXXXXX XXXX sent them. I took the letter to XXXX XXXXXXXX XXXX and they told me it was a fake letter made up by portfolio recovery. 1. XXXX XXXX logo is much bigger. 2 the date was in XXXX and the letter was in English. 3 my name is spelled wrong. still I was not giving any verified documents The Fair Credit Report Act protects against false and erroneous reporting. Today XXXX and XXXX still have this on my credit report only XXXX removed portfolio from my credit report.
|
| 07/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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There are two debts showing on my credit report with Portfolio Collections, account no. XXXX for XXXX XXXX XXXX and account no. XXXX for XXXXXXXX XXXX. I was contacted by this agency and was told I owed these debts but could not be sued. After trying to receive information to verify ownership pertaining to these debts, with no success, I filed a dispute wih the 3 credit bureaus. The agency did whatever they needed causing no change with the credit bureaus. After receiving additional calls from this collection agency I wrote a letter requesting verification of this debt with my signature to confirm these credit defaults. I give the collection agency 30 days to gather information with my signature to prove ownership. In or around 20 days later I received a statement ( that was not familiar to me ) for XXXX XXXXXXXX XXXX but no actual signature verification. I did not receive anything regarding the second account XXXXXXXX XXXX
I am asking for this information to be removed from my credit report or produce verifiable information with my signature. I would appreciate your assistance in bringing this matter to a resolution.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX XXXX P.S. I have attached the dispute letter sent by XXXX XXXX and the respose sent by Portfolio
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| 11/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
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I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at XXXX XXXX XXXX. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named Portfolio Recovery which the XXXX XXXX accounts was sold to. I contact the XXXX monitoring service to discuss the fraudulent accounts that were being reported and I contacted Portfolio Recovery as well. XXXX agent and myself contact XXXX XXXX and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with Portfolio Recovery and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.
|
| 02/12/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
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Web |
|
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On XX/XX/XXXX a XXXX Country Sheriff went to my parents house in XXXX, PA to an address I have not lived at it over 5 years, nor the address on the account in question. I was immediately contacted by my parents, and reached out to the sheriffs office to find out what paper were being server. The papers were a lawsuit filed by Portfolio Recovery Associates LLC for a debt from a overdue credit account. They would not provide me with the details of the account information. They continued to call my parents house after the sheriff was told I no longer lived at that address. On XX/XX/XXXX I contacted Portfolio Recovery Associates to make payment in full for the debt to resolve the issue from my credit report. The payment was verbally authorized to be made on XX/XX/XXXX. As of today the payment still has not been withdrawn, and when I contacted Portfolio Recovery Associates I was told, " We 'll see you in court. '' And hung up the phone. I 've filed a dispute with XXXX, and Portfolio recovery is now causing damages to my mortgage application, because of not accepting payment in full. I have filed a stop payment order with my bank and I will not continue correspondence with this company. I only made the attempt to pay it off to avoid legal costs and have it removed from my credit report.
|
| 07/27/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Portfolio Recovery is a junk debt buyer XXXX XXXX ) which means they are a company, party, or agency that buys charged off debt for pennies on the dollar. They have placed collections for 2 accounts on my CR and are skirting the FDCPA by reporting as a factoring company and this is misrepresentation! Factoring companies are companies that buy accounts in good standing and take over as the OC of the account. I have never had a contract with PRA! Case law has established that when a party purchases a delinquent debt, they are considered a debt collector, and thus subject to the FDCPA!
I request that Portfolio Recovery verify the following information.
1. Full original Account Number ( XXXX ) 2. Date XXXX s XXXX original Account XXXX XXXX ) were opened3. Any written agreements between myself and the original creditor stating this debt is owed4. Full account summary and itemized calculation of alleged debt5. Date of the first delinquency6. Dates and times of any communication made to me before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all CRAs immediately and not sold to any other debt collector.
|
| 08/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 12/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 09/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 09/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 09/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
|
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 09/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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To CFPB, After many attempts to correct this issue with XXXX XXXX XXXX XXXX who seems to think that they can continue with this non sense reporting they are doing concerning a debt they say I owe, I DO NOT!!!
We have repeatedly informed them that the information they are presenting to CFPB and us is inaccurate. They claim they purchased this debt from XXXX XXXX but they have yet to show any proof of such purchase, nor have they shown proof of my signature or a signed contract which by law I have a right to see.
Further, they are in violation of Metro 2 and according to the FTC, showing copies of a balance or charge DOES NOT constitute the debt belongs to me. Therefore, after these many attempts to resolve this issue peacefully we have no choice but to turn this matter over to our attorneys who sue people like Portfolio every day, they have requested us to make this last effort to have Portfolio remove this non sense from my report, if they choose not to they will face fines including the following.
We will sue in the amount of {$1000.00} per inquiry for my effort to resolve this matter, and {$1000.00} for this being on my report, attorneys fees and court cost which could total {$25000.00} Simply put, Im, suffering from XXXX have had enough of the games Portfolio is playing.
|
| 08/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint involves two separate accounts, both accounts were purchased By Portfolio Recovery Associates and both account 's share the same Original Creditor ( XXXX XXXX XXXX
The account for the amount of XXXX doesn't match the account placed by the original creditor which States the amount is XXXX also The account placed by XXXX XXXX States the account was closed XX/XX/2018 and the date of the last payment reported by XXXX XXXX is XX/XX/2018. It also states that the account was closed by me. so they are claiming I made a payment 8 months after I closed the account.
I did close that account, because it was a secured credit card backed with a XXXX deposit. other wise they would never have closed a " delinquent '' upon request. why XXXX XXXX sold this account to a collection agency and why the collection agency added all these extra fees is difficult to understand.
The second account seems to have similar discrepancies. between the amount reported and the amount being collected by Portfolio Recovery services. though the difference is less then XXXX dollars, but they clearly state on their letter I uploaded that they did not add any additional charges. I also Believe, but am not definitively certain as the first account, that this was also a secured credit card as well.
|
| 12/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and PORTFOLIO RECOVERY made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from ACCOUNT NOW is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time PORTFOLIO tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Older American |
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I receive at least 3 calls from this company daily, including weekends. Years ago I signed up for this service. I was assigned to someone and sent them all the paperwork requested. The next month someone else called me saying the previous person had left the company and asked me to again resubmit all the paperwork I had submitted the month before. The next month the exact same thing happened and, you guessed it, the 4th month the same thing. Nothing was EVER done to improve my credit and after 4 months of paying for a service they never supplied, I cancelled my contract with them. When I answer I tell the caller they dont have my permission to record me, which usually confuses them and they continue to record our conversation, and I have to explain to them ( which they should already know ), that in California they need my permission and Im not giving it. One man said hed make a note, which obviously didnt happen, and they hang up. However, they have continued to call me from every state ( at least thats what the caller I.D . says ) everyday and they refuse to stop. Im never using them again. I owe them nothing because they breached the contract. And yet, they continue to harass me. Any help to make this stop is greatly appreciated, since nothing I have done has stopped them.
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was in the process of paying off other accounts that I needed to pay to secure a loan. In the process, I called the company that had an old account that was in the bankruptcy department in order for me to speak with this department I had to give my name and the representative on the line attempted to gather more information from me to search for other accounts after insisting that I speak with a supervisor and telling the woman I am calling for the bankruptcy department she had to transfer me. After that call, the same company went and just out of the blue put an old account on my credit report out of nowhere. When I called them and told them I had no knowledge of this account and I had never received a bill from them or never opened an account in 2020 I had no idea what this XXXX bill was. I told her that they must be trying to collect on a very old debt or it wasn't mine she said no I see your other accounts those we can not sue or collect from you on but this one.I am telling you we can. I ask her to send me proof of this account being mine and they never did. But they are still reporting against me just out of the blue. I tried disputing it with the credit agency but they just keep putting it back up there even tho the company still has not provided proof of this debt.
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
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Portfolio Recovery Associates filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either Portfolio Recovery nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in Ohio to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address XX/XX/XXXX.
|
| 09/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Portfolio recovery acquired a dead XX/XX/XXXX from XXXX XXXX they have the debt listed twice on my credit report the same debt listed twice which is illegal they also have me having done business with XXXX XXXX and I never have I submitted a complaint XX/XX/XXXX through your system and they sent me a frivolous response letter FCRA act section 611, basically gives me the right to request an explanation of the verification method used by the CRA. I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report last month I requested investigation because I felt the items were not legally being reported correctly a couple days ago I received a letter stating that your investigation was complete please explain to me how you conduct your investigation for information that does not belong to me they use my name to gather credit cards but it is not my account XXXX XXXX XXXX Portfolio Recovery XXXX XXXX They have responded to my dispute with frivolous letters saying that they have completed the investigation with no response and no removals from my credit report they also have the same debt listed twice for portfolio recovery and XXXX XXXX XXXX XXXX is also listed as XXXX XXXX XXXX you can not list the same debt twice
|
| 03/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX '' on XX/XX/XXXX. I've never heard of or from XXXX in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.
|
| 11/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Portfolio Recovery continues to not follow the laws of the FCRA and tries to collect debt from me they can not validate or verify. I am now owed {$1000.00} per report to each credit bureau under the FCRA. I have proved to XXXX and all bureaus that XXXX and XXXX can not proved an original contract, physical signature, recording by phone or video of me asking for a line of credit. The accounts have been removed from all bureaus. Portfolio Recovery continues to inform me they have a right to collect a debt they bought but 1 ) fail to report to me how much the bought the debt for ; pennies on the dollar, 2 ) continue to send me statements as proof of the account ; under the FCRA this is not proof that I ever owned an account with either company, 3 ) Letters from the company stating they sold the debt but were never able to validate the account was every mine! Therefore, Portfolio Recovery is ILLEGALLY trying to collect an unvalidated/unverified debt they bought from a collector. Again, statements are not proof of an account under the FCRA.
Portfolio and I do not have a contract, they do not have my physical signature asking for a line of credit with them, nor do they have video or phone surveillance of me every asking for a line of credit with them.
I do not owe this money.
|
| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This letter is a formal complaint disputing the inaccurate reporting to XXXX, XXXX, and XXXX by XXXX XXXX XXXX.
Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to XXXX, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks.
Please verify the inaccuracy of this information and delete it from XXXX, XXXX, and XXXX and provide me written proof that this has been completed.
|
| 05/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
upon checking my credit report I seen that I had a negative balance of {$1200.00} I called XXXX XXXX which was the owner of the credit card they told me that the account was sold and portfolio recovery Associates had my account I called Portfolio recovery told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXX there was a XXXX that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with Portfolio Recovery Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against portfolio recovery Associates I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX First name XXXX
|
| 02/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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
|
| 01/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the information that I requested from Portfolio Recovery!
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested.
I did not receive this information!
|
| 05/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log.
PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu.
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu.
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.
PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon.
XX/XX/XXXX
|
| 09/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}.
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home.
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas.
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house.
Thank you
|
| 04/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within 48 hrs to a private XXXX XXXXXXXX shelter for XXXX XXXX with my XXXX out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings.
I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records.
On/around XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with Portfolio Recovery Associates , LLC with the XXXX XXXX XXXX XXXX XXXX State of Georgia to plea my case and it was dismissed.
Now on XX/XX/XXXX they have again re-opened this case under Portfolio Recovery Associates LLC on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company Portfolio Recovery purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$450.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
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THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA AND ACCOUNT INFORMATION.. I DID NOT LEGALLY SIGN CONSENT FOR YOU, OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR .You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report.
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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Portfolio Recovery Associates is using false and misleading statements, specifically that they are a Creditor, which they are not as defined by 15 USC 1692a ( 4 ). PRA has admitted they are a debt collector and not a creditor, proving their violations of the law. PRA is falsely claiming the Consumer Finance Protection Bureau furnishes consumer credit reports and using the term Bureau, defined at 15 USC 1692a ( 1 ), to compel payment of an alleged debt. Furthermore, PRA unlawfully accessed my credit report, specifically XXXX, on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).
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| 06/15/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from the company dated XX/XX/20 that my account was sold to the company.
I wrote a letter to them disputing and asking for verification XX/XX/20 and emailed it to them XX/XX/20, with my name, my address, the account number listed on the notice, etc.This email was listed on the back of the notice.
On XX/XX/20, I received an email that they received my email and someone would respond shortly and gave XXXX # XXXX.
Response came on XX/XX/20, in which a person/agent named XXXX ID : XXXX stated they would need my account number, my name, my phone number, address, and SSN. All of these items minus my SSN and phone were in my letter.
I responded via email that I would not be providing those two pieces of information, one because I don't want a collection agency to take or sell my SSN, as I have heard happened to others, and my phone, because they could use it to harass me with calls. I stated that the letter contained adequate information to address the complaint. a receipt of my email was received that same day XX/XX/20.
I then received an email response XX/XX/20 from agent XXXX ID XXXX, stating they wouldn't be able to help me and that I would have to call into them to find a resolution to my dispute and would not continue in writing as requested.
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| 11/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
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| 11/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
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| 11/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
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| 11/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. XXXX XXXX {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) 2. XXXX XXXX {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. Portfolio Recovery Associates, LLC {$2800.00} / Original Creditor : XXXX XXXX XXXX ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
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| 05/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I have made several requests to Portfolio Recovery Associates ( PRA ) to validate the account. I requested the date of delinquency, date the account opened, and last payment received. I formally made the request XX/XX/XXXX. PRA received the request on XX/XX/XXXX ( enclosure ).
This validation must include the name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, documentation proving that PRA have the legal authority to collect, and all other notices required by law. If PRA can not provide the validation required, then PRA must remove from your files any negative reference concerning this account. PRA is in violation FCRA. PRA provided the date the alleged account opened. XX/XX/XXXX. That was the only date provided. Tennessee statue of limitation is 6 years in wish expired XX/XX/XXXX. PRA can only report for 7 years to the credit bureaus. PRA states there were not any known un credited payments, counterclaims or offsets against this account at the time of the sale. PRA shows the date of last activity prior to the sale of the account is XX/XX/XXXX and that is the information provided to me. XX/XX/XXXX is seven years from the last activity. PRA can not continue to report this alleged collection.
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| 01/24/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Portfolio Recovery is a collection agency reporting two accounts on my credit report, showing XXXX XXXX XXXX as the original creditor for the amount of {$940.00}. And the second collection account is reporting XXXX XXXX as the original creditor for a balance of {$1200.00}.
I sent XXXX XXXX a written request for both accounts asking them to send me the copies of the signed credit application for those two accounts since I believe both accounts were opened via identity theft.
XXXX replied to my requests with copies of credit card statements yet did not send me a copy of the signed credit application for the two accounts mentioned.
The XXXX XXXX account number they have on their letter is XXXX.
The XXXX XXXX account number they have on their letter is XXXX****.
On XX/XX/XXXX, they sent me the copies of statement, on XX/XX/XXXX I replied that the statements they sent me contain an unknown address I never lived at. On XX/XX/XXXX they replied that they already responded to my previous letter and considered this case closed and if they continue receiving letters from me they will considered this matter resolved. However they never resolved anything because they are ignoring my reply in which I 'm telling them the address on the credit card statements is unknown to me.
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| 06/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Older American |
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On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''.
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX.
On XX/XX/XXXX, I made my first payment of {$75.00}.
On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .
This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.
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| 11/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.
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| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I have received numerous calls from portfolio recovery pretending to be a XXXX XXXX employee. They also threatens to send someone to my location of work after an answer has been sent to the courts. I do not agree with the among the of debt and have been sent a validation with charges, signatures or original creditor. I could dispute these actions if so. I have voicemails of the person pretending to be a courier and threatening to come to my job. also sent my answer in to the court. Theyre is also an individual that calls from a number very similar stating the court needs a statement.
Dates sent in court answer was XX/XX/2022.
Debt validation has not been received.
Receiver more calls in XXXX with proof after the court date has been set.
In XXXX received three calls back to back and they denied to tell me who they were and she stated she doubts I have a lawyer when I told her she was harassing me and calling so much after she wouldnt give any information. I have proof of all the calls and voicemails. They also have called a family member. And prior have my information without my consent because I received mail from Lawyers that wanted to represent me. I didnt give anyone the consent to sell my information to a third-party.
Thank you for your time.
Warm regards
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| 12/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern, I am writing this letter to file a complaint against Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX, VA XXXX. I mailed this company a debt validation letter on XX/XX/2021, through certified mail. It was delivered on XX/XX/2021. Tracking # XXXX. In my letter, I requested that Portfolio Recovery Associates send me several things including written proof to validate that this is my account. Included in this proof would be a signed agreement showing my knowledge/ownership of the accounts in question and the agreement to pay the amounts in question. Portfolio Recovery Associates failed to produce a copy of any signed agreements with my signature showing I am under contract to pay for this debt nor that this debt is mine. Instead, I only received copies of bills and a letter from Portfolio Recovery Associates and XXXX XXXX which is not enough to validate the debt in question. Portfolio Recovery Associates failed to include everything that I requested in my letter therefore they failed to validate the debt. Because Portfolio Recovery Associates has failed to supply me with all the documentation that I requested, I am asking to have this collection be removed from all three credit bureaus and cease all collection activities immediately.
Thank you
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| 10/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message.
In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).
a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.
2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.
Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX points.
|
| 04/20/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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XXXX XXXX XXXX, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute.
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the XXXX XXXX with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ).
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So XXXX XXXX should not even be involved in collections efforts regarding this terms ' loan
|
| 07/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I have previously complained about Portfolio recovery and the complaint was closed and nothing was resolved. Complaint # XXXX.
Portfolio recovery has been negatively reporting to the credit reporting agencies causing my credit score to drop significantly.
I have requested validation of the alleged debt and they have not issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court.
Furthermore, they never sent me any first communication, yet in their response to my dispute with the credit reporting agencies, they have sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX
I have requested of them in several occasions including today via email a copy of the alleged contract between XXXX and Portfolio. Copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete.
I need someone's assistance with this company. They do not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Portfolio Recovery Assoc Acct # XXXX has violated my rights.
Portfolio Recovery Assoc Acct # XXXX has violated my rights.
Portfolio Recovery Assoc Acct # XXXX has violated my rights.
XXXX XXXX XXXX Acct # XXXX has violated my rights.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
|
| 05/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018, this debt for {$400.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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To whom it may concern, I looked through my credit report earlier last month and found a few items that I felt needed to be verified. I sent Portfolio Recovery verification letters by certified mail with a signature return. The letters were received by Portfolio Recovery onXX/XX/XXXX. When I looked at my XXXX XXXX Credit Monitoring onXX/XX/XXXXit said that Portfolio Recovery had updated XXXX. Portfolio Recovery updated XXXX onXX/XX/XXXX twice, there are two accounts. It also updated XXXX onXX/XX/XXXX twice. Can they update an unvalidated account four times like that? I thought they needed to send me the validation I requested first. XXXX XXXX reports " meets FCRA. '' That can not be true when I have disputed with all three credit bureaus as well as Portfolio Recovery and received no answer as of XX/XX/XXXX. My credit bureau disputes were received at the beginning of XX/XX/XXXXby all three and are documented with certified mail, a signature return and the USPS website with what delivery date is.
Portfolio Recovery had previously updated my credit reports on XX/XX/XXXX
I included a screenshot of the letter that I sent Portfolio Recovery and I also have dated documents ( Certified Mail with Signature Return ) for when they received my asking for validation of debt.
|
| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt which was collected by Portfolio, settled thru XXXX XXXX XXXX, Never sent the paperwork with finalization after saying will do. I was sent a notice of dismissal. Their statements back in 2019 werent in order Anyway happy it was settled! This was due to helping my ex spouse in XXXX XXXX XXXX but due to economy in XXXX we suffered. loss of business, jobs in XXXX. Again unemployed.
My complaint is this.co. Is daily harassing still. It seems robo calling by others with its name sometimes. I have listed all these # s on Do not. call website. Also when working the employers send these calls. Today I had a Call from XXXX XXXXXXXX from portfolio asking to call PRA group. No content! Constant harassment.
In with employers and other connections and with XXXX.Also my phone is hacked. Calls on debts with stature of limitations, and seems operating with employers or connection who and gaining commissions perhaps! Operates with XXXX which never corrected report for a year and I am just about to check to see whether they have now done. ( with wrong spelling of names silly mistakes! It took them a year and still not sure it is done. In between suffered with high interest rates which we will have to make a separate claim as this is how they operate with car dealers
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information.
The following accounts were not opened or authorized by me : # 1 PORTFOLIO RECOVERY Last reported XX/XX/2023 {$870.00} # 2 XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes.
I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again.
Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX Regenerate response
|
| 11/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XX/XX/XXXX. In XX/XX/XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX.
In XXXX, the original creditor, identified as XXXX/XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}.
Furthermore, it should be noted that the original amount of the debt was {$640.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active.
Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits portfolio Recovery from such practices.
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/2016 I purchase a XXXX for {$18000.00} that was financed with XXXX XXXX. As soon as I purchased the vehicle I began having problems with it. ( For ex. XXXX XXXX, which would shut down other elements of the vehicle if not properly repaired XXXX The company never fixed it. After several attempts and threats to bring in the news media, I was given a temporary car as they repaired it. A week later the car shut all the way down as I was driving. Managed to get the vehicle home and they sent the car back to the XXXX dealership costing me an additional {$300.00} for the repairs as they paid the remainder of the balance. After about 2months, the car shut down again. I was given the option of trading the car in but with a new down payment amount, which was ridiculous considering this was the same issue I was having when I initially purchased the truck. After days of negotiations, the truck was return and I was left holding the bag. The truck was apparently sold at XXXX and a balance remains. The debt was then sold to a collection company that is threatening to take me to court for the remaining balance on a truck the I never had the opportunity to enjoy. This is unfair and is probably happening to consumers across the nation. It is predatory lending at it's best.
|
| 10/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message.
In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).
a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.
2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.
Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX
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| 09/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have two ( 2 ) debt amounts of {$320.00} and {$310.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. However, according to my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX credit reports, they will remove the accounts and place them back on my credit reports. This has caused a tremendous effect on my credit scores and how lenders look at my creditworthiness.
I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.
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| 08/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I disputed two different accounts from two different companies ... seperate letters ( placed in the same envelop ) that are being handled by Portfolio Recovery Ass. These letters were sent via certified mail USPS on XX/XX/18 and were delivered and signed for at Portfolio listed address on XX/XX/18. One account they state has an outstanding balance of $ XXXX..the other account they state has an outstanding balance of {$1000.00}. In both letters I clearly ask for vaildation of any signed documents by me that state anywhere where I owe/agree to pay them any amount of money. More than 30 days have passed and they haven't responded to my request for this very specific documentation. Also they have failed in that same 30 day time frame to report these accounts as disputed with any of the 3 agencies they are reporting to. These are clear violations of the FCRA, whic is in place to protection us from companies like this. All the information is inaccurate with these accounts. They even list these collection accounts as " open '' with 2 of the 3 burenas..this is just wrong. I want both of these accounts deleted ASAP from all 3 credit reporting companies, as well as them agreeing not to sell these bogus accouns to another agency. They have failed to do the easiest things.
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| 08/22/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2022 I disputed a debt unknown to me through XXXX XXXX from Portfolio Recovery. The account was not immediately marked disputed, nor have I received paperwork regarding the outcome of that dispute within the 30 days they have to send me one. I then received legal paperwork taking me to court on the XXXX of XXXX. I contacted portfolio recovery via the number given on the legal paperwork stating I had never received any information regarding this debt and requested all information be mailed to me. Again the account was not marked disputed, I did not receive said paperwork. Contacted them again on XX/XX/2022, was informed the account in fact had not been marked disputed but could be today, as well as my paperwork had just been mailed out that same day employee was unable to answer any of my questions. Contacted company again a week later as no paperwork had gotten to me, was informed it was sent, then the employee back tracked on what she had told me saying it shows I never requested any paperwork. After looking into all credit reports the dates they opened this account dont even match on most of them it shows multiple dates. This company has violated a few different FDCPA rules, and still has yet to get me any further information regarding this account.
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| 04/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt.
After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.
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| 04/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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I received a leter in the mail from Portfolio Recovery dated XX/XX/XXXX stating that they were seeking payment for an alleged credit card debt from XXXX. I have no recollection of the account. The letter states that the default date was XX/XX/XXXX. The amount of the debt is listed as {$6900.00}. The first page of the letter states, " The legal time limit ( statute of limitations ) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules require you to tell the court that the statute of limitations has exprired to prevent the creditor from obtaining a judgment ''. It goes on to say, " Even though the statute of limitations has expired you may choose to make payments ''. The letter then goes on to offer various payment options. This alleged debt has not been verified. This alleged debt is also YEARS beyond the statute of limitations. This company has a long and storied history of unethical business practices and I am seeking to have them cease all future contact with me and all efforts to make collection on this alleged debt. I am an XXXX XXXX XXXX widower on a minimal fixed income. The stress of having a collector write to me asking for thousands of dollars is unnerving and unforgiveable.
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| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.
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| 05/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Back in XXXX 2017 I requ ested " VALIDATION '' of this debt that Portfolio Recovery Associates says I owe. Since I have been disputing this debt and going back and forth with CFPB, and the Credit Reporting Agencies, I decided that it was time t o reach out to the attorney general 's office regarding this debt before filing a lawsuit. Once again I requested back in XXXX for validation/contract which I have NEVER received. Upon checking my report a few weeks ago to be exact on XXXX XXXX 2017 Portfolio Recovery Associates was removed from XXXX . I checked my report on XXXX XXXX 2017 and it w as added back onto my credit report. I never received a Dunning Letter. Since Portfolio Recovery Associates states that this debt b elongs to me I demand them to release the transcripts of the quality assurance tapes along with a notarized letter signed by a notary proving the authenticity of the transcripts and that they were not altered. Portfolio Recovery Associates and the creditor I would like ALL conversations between their agenst and I regarding this debt they say I owe to confirm differing amounts owed/paid/attempting to collect. Failure to produce these documents constitute collection agency fraud. Please see the attach paperwork.
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| 04/11/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.
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| 02/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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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,
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| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon receiving a phone call from XXXX XXXX XXXX and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit.
I do have a current credit card in good standing with XXXX XXXX but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. XXXX XXXX had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX XXXX showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to Portfolio Recovery Assoc. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.
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| 06/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX intend to secure my right to privacy and Portfolio Recovery Associates, LLC breached my privacy pursuant to the Fair Debt Collections Practices Act.
I demand they remove my information from their website, company records, or any and all derivatives therefore, of, and/or with any affiliates to ensure my privacy rights won't be violated again due to my lack of consent.
I demand Portfolio Recovery Associates, LLC shows good faith in this matter by expediting the securing of the alleged information listed on their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to their clear violations of 15 U.S. Code 1692.
Portfolio Recovery Associates, LLC used false, deceptive and/or misleading representation or means in connection with the collection of an alleged debt. This is a clear violation of 15 U.S. Code 1692e.
Portfolio Recovery Associates, LLC was also in violation of 15 U.S. Code 1692b ( 2 ), 15 U.S. Code 1692b ( 5 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692d ( 1 ) in their communication with the consumer XXXX XXXX.
Portfolio Recovery Associates, LLC willfully and knowingly failed to comply with multiple provisions of 15 U.S. Code 1692 and are in fact civilly liable pursuant to 15 U.S. Code 1692k.
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| 08/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.
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| 08/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
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Web |
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Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.
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| 10/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am submitting another complaint in response to false and misleading statements made by Portfolio Recovery Associates ( PRA ) in CFPB complaint # XXXX on XX/XX/2021. On XX/XX/2021 PRA responded and had stated they did not use " false and misleading means '' in regard to my address. I have attached copies of the envelopes they sent with the wrong addresses and the dates they were sent. Clearly a violation of the FDCPA. PRA also stated that they did not receive any correspondence from me which is also false. I also attached Certified mail receipts along with green receipts with signatures stating they were received multiple times. PRA also stated they notified credit reporting agencies that the debt was disputed but the debt remained on all three credit reporting agencies and is still reported which is a violation of FCRA 15 USC 1681a ( e ) PRA can not report any factual information. I did receive a response back from PRA on XX/XX/2021 stating PRA did an " investigation '' and sent documents to try and established the debt was valid but failed to provide the information that I had requested. According to 15 USC1681a ( e ) an investigation is interviews with friends and family of the consumer. AS of today PRA has not interviewed any of my friends of family.
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| 05/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been attempting to dispute and resolve this account with Porfolio Recovery for almost 2 years. I have requested ( via certified mail ) validation of the debt. They have not complied with the request, instead sending me basic information, not including proof they purchased this account from XXXX XXXX, not including proof they are legally able to act as a collection agency in RI and not providing dates of the account, dates of delinquency, etc.
After having no luck I retained Attorney XXXX XXXX ( XXXX ) XXXX to attempt to resolve this collection or to file bankruptcy on my behalf. They refused to speak with the attorney until I signed an Authorization from Portfolio Recovery giving Attorney XXXX permission to speak with them. I did so over 6 weeks ago and Portfolio has refused to commnicate with my attorney 's office. My attorney has left messages over the past 8 weeks and they refuse to discuss this matter with my attorney.
Also, I pulled my credit report and they are incorrectly reporting this account. According to XXXX I opened this account on XX/XX/XXXX ; however, the first delinquency was XX/XX/XXXX, 7 months BEFORE I opened the account. Again, because Portfolio will not respond to my attorney they will not correct this incorrect information.
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