April 2019 Complaints Against Portfolio Recovery Associates

Compiled from Public Data by FairShake

If you have an issue with Portfolio Recovery Associates, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 2259 complaints against Portfolio Recovery Associates. Portfolio Recovery Associates ranked Number 14 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Other debt

Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Full Complaint:
– 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 {0.00}. 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.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: OH

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
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,

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 23, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
in XXXX i saw a debt on my report that was not mine so i call portfolio recovery and ask portfolio recovery to validate the debt I all so shared with them that I share the same name as my dad, brother, and my son and that I would follow up with a letter I have sent three certified letters to ask for validating the debt 4 months later I have got no response but they call all the time they leave no message they call my phone and my mother phone although my letter state that all communications will be by mail. thank you for looking into this matter.

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: NC

Product: Debt collection
Sub-Product: I do not know

Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted you after you asked them to stop

Full Complaint:
A company by the name of Portfolio Recovery Associates contacted me at work one day during the week of XX/XX/2019 and I told the young lady very clearly to not call my job or I would in fact sue them. Again today I receive a phone call from the same company Portfolio Recovery Associates # XXXX and I told him again to not ever contact me at my job again.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 23, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: CA

Product: Debt collection
Sub-Product: Other debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
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.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 25, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TN

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Credit card debt

Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 24, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: I do not know

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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