Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Island Portfolios Services, LLC
State: PR

Complaint narrative:
Complaint regarding abusive debt collection practices and improper litigation in Puerto Rico : Respondents : XXXX XXXX, XXXX ( d/b/a Island Portfolio ) XXXX XXXX XXXX ( debt buyer ) XXXX XXXX ( Buyer XXXX XXXX XXXX ( for context and records ) Amount for a debt : XXXX Date : XX/XX/XXXX ( and ongoing ) Subject : Abusive debt collection practices and improper litigation in Puerto Rico concerning a credit card opened in XXXX Executive summary : In XX/XX/XXXX, the law firm XXXX XXXX, XXXX ( doing business as Island Portfolio ) filed a Rule 60 action in Puerto Rico related to a credit card opened in XXXX. I dispute the debt and contend identity theft. From the outset, the conduct of the law firm and the debt buyer has been harassing, evasive, and potentially unlawful, including pursuing litigation without providing a meaningful opportunity to defend, requesting notarized forms despite a police-reported identity theft package, attempting personal service while I was unavailable due to work, and delaying service by publication after refusing to provide a substantive explanation of my claim. To date, I have only received account statements ; no signed documents or verifiable debt validation have been provided. I had a single XXXX producta debt-consolidation loan that consolidated five credit cards and was fully paid ; the loan originated on XX/XX/XXXX, while the referenced card activity is noted as XX/XX/XXXX. The debt appears to have been assigned to XXXX XXXX XXXX ( debt buyer ) or another party, but I do not understand how this debt arose or why I am being sued. I ask the CFPB to investigate these practices and to take action to end abusive, intimidating debt collection activities and to prevent harm to others. What happened ( timeline and key facts ) XX/XX/XXXX : XXXX XXXX, XXXX ( Island Portfolio ) filed a Rule 60 action in a Puerto Rico court regarding a credit card opened in XXXX. The communications indicated I had a court appearance, which I could not attend due to work obligations. The firm sent a collection letter ; I replied disputing the debt and stating I believed the debt to be fraudulent. I submitted an Identity Theft Package, including : Identity Theft affidavit Police report Proof of residency Identification On a second contact, I was told the case had already been filed and there was no opportunity to dispute it. I resent the Identity Theft Package. In response to my identity-theft documentation, they sent a blank form requiring notarization, despite my police report. I proceeded to notarize and resend. Even after notarization and submission of the identity-theft materials, the lawsuit continued without offering a meaningful pause or opportunity to dispute the debt. The firm attempted personal service, but due to my work commitments they could not locate me. I am now awaiting service by publication. They sent a letter stating they do not accept my claim but provided no reasons. To date, the only communications I have received are account statements ; no signed documents or substantively verifiable evidence have been provided. I verified information with XXXX XXXX. I had only one XXXX product : a debt-consolidation loan that consolidated five cards and was paid in full. The loan originated on XX/XX/XXXX ; the alleged card activity is noted on XX/XX/XXXX. It appears the debt may have been assigned to XXXX and paid in full. I do not understand how this alleged debt arose or why I am being sued. The debt buyer, XXXX XXXX XXXX, and the law firm XXXX XXXX, XXXX have engaged in practices I consider abusive and intimidating. Within seven months, they filed a lawsuit without giving me a fair chance to defend or present evidence ; when I provided evidence, it was ignored. I may soon need to hire legal representation for something I did not use, sign, or authorize, as the loan was ultimately assigned to another financial institution ( XXXX ) and paid in full. I request that these abusive practices stop and that this conduct not be allowed to harm others in the future. What I believe is unfair or unlawful Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Puerto Rico consumer protections, including : Filing lawsuits without providing a clear, timely opportunity to dispute or validate the debt. Demanding notarization of documents despite an established identity theft package with a police report. Ongoing collection activity and threats without presenting verifiable evidence of the debt. Service by publication after failed attempts at personal service, without adequate notice or justification. Failure to provide proper debt validation and documentation, including the chain of ownership and signed agreements. Inadequate or misleading communications, such as letters stating they do not accept my claim without an accompanying explanation or supporting evidence. Potential improper reporting to credit bureaus without proper validation. Possible misapplication of the debt : a debt that may have been resolved or paid in full via the XXXX debt-consolidation loan and subsequently assigned to another party. What I am asking the CFPB to do Investigate XXXX XXXX, XXXX / Island Portfolio and XXXX XXXX XXXX for potential FDCPA violations and abusive debt collection practices. Require proper debt validation and documentation, including : A signed contract or agreement establishing the debt A complete chain of ownership/assignment showing when the debt was purchased by XXXX XXXX XXXX Verification that the debt corresponds to the XXXX debt-consolidation loan ( and proof of any remaining balance, if any ) Ensure compliance with service of process requirements, including legitimate notice and reasonable opportunities to dispute. Require removal or correction of any improper, unverifiable, or unsubstantiated claims on my credit reports. Stop further collection activity until proper validation is provided. Consider corrective actions for the respondents, including potential fines or sanctions, and provide guidance to prevent similar abuses for other consumers. Provide me with a clear explanation of any action taken by the CFPB and how to proceed. Attachments ( evidence I can provide upon request ) Identity Theft Package ( police report, etc. ) Proof of residency and identification All correspondence with XXXX XXXX, XXXX / Island Portfolio and XXXX XXXX XXXX XXXX XXXX statements and records related to the debt consolidation loan Documentation showing the loan originated on XX/XX/XXXX and the alleged card activity on XX/XX/XXXX Notices or letters regarding service ( including any publication service notice ) Documentation indicating the debt was or was not transferred to XXXX and its status Contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to highlight a pattern of alleged abusive and intimidating practices by a debt buyer ( XXXX XXXX XXXX ) and a law firm ( XXXX XXXX, XXXX ) in Puerto Rico, including potential misalignment between the alleged debt and actual accounts, identity-theft handling, and inadequate debt validation before litigation. I seek relief to stop this pattern and to ensure non-recurrence for me and others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation