Consumer complaint received 2021-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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

Complaint:
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

Company response to consumer: Closed with explanation