- Report: #318366
Complaint Review: Portfolio Recovery Associates - Norfolk Virginia
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Portfolio Recovery Associates
120 Corporate Boulevard Suite 100 Norfolk, 23502 Virginia, U.S.A.
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800-772 1413
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Portfolio Recovery Associates Harassment about a very old debt that is not even mine (stolen identity) Norfolk Virginia
Portfolio Recovery Associates have been hrassing me about this debt (their #: 1900426855) for a few years now. I believe the debt in question involves a Jewelry store called Kay Jewelers in Colorado Springs Colorado for $1487.64. There also seems to be a company called Fourscore Resource Capital LLC involved.
I have contacted each of these companies demanding that the stop harassing me but they have not done so. At the advise of a lawyer, who is a family member I wrote a letter telling them that they must send me whatever they have that they feel gives them the right to harass me. They have none because I have never been near that Jewelry store. My only contact with them was when I called them asking what right they had to set these "sharks" on a complete stranger! No one associated with Portfolio Recovery Associates responded to my request for copies of what they have.
This hinders the p[ossible investigation into who stole my identification in the first place. Also, instead they continued to harass me during the time when my beloved Ruthie was dying of ALS (Lou Gehrig's Disease) and now they continue during the time I am mourning her loss. They should be stopped! If they are doing this to me they are probably doing other equally inappropriate things to others as well.
Bob
Boulder, Colorado
U.S.A.
I have contacted each of these companies demanding that the stop harassing me but they have not done so. At the advise of a lawyer, who is a family member I wrote a letter telling them that they must send me whatever they have that they feel gives them the right to harass me. They have none because I have never been near that Jewelry store. My only contact with them was when I called them asking what right they had to set these "sharks" on a complete stranger! No one associated with Portfolio Recovery Associates responded to my request for copies of what they have.
This hinders the p[ossible investigation into who stole my identification in the first place. Also, instead they continued to harass me during the time when my beloved Ruthie was dying of ALS (Lou Gehrig's Disease) and now they continue during the time I am mourning her loss. They should be stopped! If they are doing this to me they are probably doing other equally inappropriate things to others as well.
Bob
Boulder, Colorado
U.S.A.
3 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Bob, REGARDLESS of what the "ex-collector" says, you DO NOT have to prove anything!
#2Consumer Suggestion
Sat, April 26, 2008
Bob, Do NOT listen to this "ex-collector". You DO NOT ever have to prove anything to any debt collector. Listen to Tim the lawyer from Indiana. Read and learn the FDCPA and your state collections laws. The legal burden of proof is ALWAYS on the debt collector to prove that you owe the debt. You NEVER have to prove that you don't. The identity theft thing is actually a totally separate issue from the debt collector problem. Do not confuse the issues here. A simple CEASE COMMUNICATIONS request as per the provisions of the FDCPA can stop the calls. Send this by CERTIFIED MAIL, RETURN RECEIPT REQUESTED. Be sure to put the certified# on the letter itself and keep a copy of the letter for your records. This procedure is VERY important. DO NOT sign the letter or anything you ever send to any collector, and never give any personal, employment, or banking info to any collector. Stay off the phone! NEVER speak to ANY third party debt collector on the phone. Demand everything in writing. These bottomfeeders NEVER provide validation. NEVER. This is because they have none. FYI..Once you request validation, they must stop all collections actions until they provide it. DEMAND to see something with your signature on it that created the alleged debt, and a full account history and itemization of charges. It is UP TO YOU to get your own justice as nobody will do it for you. Do Not let these crackheads push you around. >>> Submitted: 4/23/2008 5:30:06 AM Modified: 4/23/2008 10:30:13 AM Used2workthere Newport News, Virginia U.S.A. when claiming 'stolen identity' with a 3rd party debt collector If you are going to say your identity was stolen, you will be asked for proof. Such as did you file a police report? Then you will have to send a copy to the debt collector. In this day and age that is the only way the debt collector knows whether you are lying or not. I know, complicated process. Submitted: 4/26/2008 1:43:11 PM Modified: 4/26/2008 3:27:43 PM Tim Valparaiso, Indiana U.S.A. A little more advice In addition to a police report, or if you don't have one, you can file a fraud alert with the Social Security Administration at your local office. This should help at least a little bit. If other people are wracking up debts in your name, you should definitely file a poice report regarding each specific incidence wherein your identity was wrongfully appropriated. Best of luck! >>>
Tim
Valparaiso,Indiana,
U.S.A.
A little more advice
#3Consumer Suggestion
Sat, April 26, 2008
In addition to a police report, or if you don't have one, you can file a fraud alert with the Social Security Administration at your local office. This should help at least a little bit. If other people are wracking up debts in your name, you should definitely file a poice report regarding each specific incidence wherein your identity was wrongfully appropriated. Best of luck!
Used2workthere
Newport News,Virginia,
U.S.A.
when claiming "stolen identity" with a 3rd party debt collector
#4Consumer Suggestion
Wed, April 23, 2008
If you are going to say your identity was stolen, you will be asked for proof. Such as did you file a police report? Then you will have to send a copy to the debt collector. In this day and age that is the only way the debt collector knows whether you are lying or not. I know, complicated process.
