Consumer complaint received 2019-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have attempted to dispute this loan with the original creditors, XXXX XXXX, beginning in XX/XX/XXXX, the debt collection agency, Portfolio Recovery, beginning in XX/XX/XXXX, and the car dealership, XXXX XXXX, beginning in XX/XX/XXXX. I have been informed that the original date of the loan application being signed was XX/XX/XXXX by an individual that is also listed on the loan. In XX/XX/XXXX, XXXX XXXX contacted my father, by phone, and left a voicemail stating there was a past due payment on the car loan. When I contacted XXXX XXXX, I was informed that my father 's information was not listed and they were not sure how he was contacted. When I asked for his information to be removed, the stated they had no knowledge of his name and phone number. Then, I began being contacted by XXXX XXXX  in XX/XX/XXXX/XX/XX/XXXX requesting a payment on the car loan, I stated I was not aware of the loan and that the loan was in the other parties name, which I was then informed I was listed as a co-signer and that a full payment had never been made on the loan. When asked how I could remove my name and contact information, I was informed the other party would have to surrender the vehicle, remove my name as the co-signer, or the vehicle would need to be repossessed. I assisted in the repossession of the vehicle as the other party was unwilling to surrender the vehicle or remove my name. The vehicle was repossessed by XXXX XXXX in XX/XX/XXXX. I have attempted to dispute the debt through XXXX   beginning XX/XX/XXXX, but was informed XXXX XXXX is reporting the debt as accurate. I did not provide proof of ID or proof of income to the dealership and was not present at the signing and the creditors are stating there is no proof of the information on file. I have requested proof of the loan application, signed contract, and other paperwork from XXXX XXXX and Portfolio Recovery and neither company has provided me the requested information. On XX/XX/XXXX, I was informed, by a phone representative with Portfolio Recovery 's Dispute Center, that I need to submit a letter, in writing, stating that I was not at the signing and where I was on the day of the signing, but that it may not rectify the situation. When I contacted XXXX   XXXX, by telephone on XX/XX/XXXX, the individual I spoke with provided a false name of an male employee that is no longer employed at the dealership and stated I was an enraged ex-girlfriend that made a XXXX decision and that the dealership had enough parameters in place to never lose an identify theft case. The call was then disconnected by the male employee. When I attempted to call back and request to speak with the male employee, I was informed by a female operator that nobody by that name was employed there and then my call was transferred, but the phone was not answered and never went to a voicemail box. When I attempted to callback again, the phone at the car dealership wasn't answered. When I called back a fourth time, I spoke with a different female operator that confirmed that the name I was given by the male employee was someone that had not been employed with the dealership for several years. I have not been able to get my issue resolved and I am unsure what to do at this point as I don't feel I've been provided adequate assistance.

Company response to consumer: Closed with explanation