Date Received: 2018-01-09T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: VA 221XX
Do You Have a Question You'd Like Steve to Answer? Click Here.
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2776390
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.