Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Complaint:
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.

Company response to consumer: Closed with explanation