Dear Portfolio Recovery
Date: Thu, 09/03/2009 - 20:43
Dear Portfolio Recovery,
I asked you for validation of a debt you send me bills for. You sent me a typed up memo saying the seller says, I owe $2398.78 and $437 in interest. You can't even tell me who the seller is? or what the debt is for? Or when the debt occurred????
Don't offer an accounting of payments made on the account since you acquired it because I haven't ever paid a dime to your fraudulent company.
Long ago, in 1999, I had a defaulted Visa with Capitol One. That visa is SOL in almost every state in the country!! So quit sending me bills.
sincerely, BB
another thing:
Portfolio Recovery said if I disputed the debt to fill out the form they sent me. The form asks for a lot of personal information.
They are C R A Z Y if they think anyone would give them personal information!!!!
Watch your back with PRA. An elderly family member received a no
Watch your back with PRA. An elderly family member received a notice from the IRS just last week stating he owes back taxes in the amount of $800 on an out-of statute debt that he disputed with them several years ago and they never validated. He immediately sent a letter to the IRS disputing their claim with a copy of the original letter disputing the debt and copies of letters mailed to and received from the FTC and our State's AG's office, when they filed their bogus 1099-C.
Portfolio is a joke. I recently heard from them(back in June)--
Portfolio is a joke. I recently heard from them(back in June)--they claimed I owed them something like $600 for a landline telephone bill. One small problem--the debt supposedly originated in a state that I did not live in at the time they claim it was originated. I sent them a DV request as well as telling them over the phone that I disputed the debt and demanded validation. All calls between me and them, I have recorded. So at this point I have proof that I told them in writing and on the phone that I want validation. I was finally able to get one of the people on the phone to tell me the address that this landline service was for--it was an address that I never lived at.
I, too, got their "identity theft/fraud packet". I did not get any validation. Instead, they sent me a letter asking me to fill out personal information and to provide them with any documentation concerning this debt. I did not fill it out, nor did I send it back--instead, I called them(again, recorded the call) and informed them of two things:
1--that according to federal law, I do not have to tell them one shred of anything other than saying "I dispute this debt and request validation". At that point, they are required by law to get the proof and send it to ME, not the other way around.
2--Aside from what I have already told them, I couldnt possibly have any more info to give them, as I have never heard anything about this debt before.
Well, the next letter I got was a real doozy....it reads like this:
Quote:
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. To date, we have not received this information and cannot complete the investigation. Sonce we have not received this information, we are terminating the disputes investigation pertaining to this account and our company will no longer treat this account as a disputed account. This account is being returned to the collection floor and our representatives will be instructed to pursue the outstanding balance due on the account. Please contact us at 1-800-772-1413 should you have any questions about this account. |
Folks--pay attention if you get a letter like this in response to a DV request that was made within that first 30 days from initial contact--it is a blatant violation of the FDCPA all day long. The federal law makes no requirement that you provide THEM with ANY information concerning their claims--it says that THEY must stop all collection efforts and provide YOU with proof of their claims.
Incidentally, this fake debt also happens to be outside the SOL too--but that doesnt seem to matter to PRA either. I notified them of this and even though they have acknowledged in one call that I did so, they still call and send letters.
The only info provided was that they bought the debt six years ago from the original creditor. They did not provide even an old bill or anything, like some CA's try to pass off. Funny thing--the debt was placed on my credit report by another creditor(according to them that was the same debt as this--they will look over your credit report) and even though I disputed it, the other creditor never took it off. According to the PRA folks, the fact that the other collector never took it off is "positive proof" that the debt is valid. Dont let them pull some trick like that on you--that is not legal by any means. They attempted to claim that because a different collector did not remove it from my credit file, that they did not need to validate it. And of course, you guessed it, I have this on tape too......
At this point, the only option I feel I have left is to sue them. Oh, one more thing, the debt supposedly went delinquent in 2001 according to Portfolio(told me over the phone), but they are still reporting this on my credit report. Can anyone say FCRA violation?? Re-aging a debt is illegal, folks--be sure to check that out too when dealing with these clowns.
They sent me the same type of letter, saying the investagation w
They sent me the same type of letter, saying the investagation would be closed on Sept9. I got the letter in the mail in Sept 3, but it was date August 18. THEY LIED about when they mailed the letter. I did not have 30 days to respond to the crooks.