S3E6- Robert Paisola of Western Capital V Portfolio Recovery and Sherry Ward Regarding A 2 MILLION DOLLAR CLAIM BECAUSE OF FCRA VIOLATIONS and the fact that PORTFOLIO RECOVERY DOES THEIR OWN DISPUTES Sponsored by Mercedes Benz - we now have the signed court order 4-27-23

11:32PM Feb 20, 2023

Speakers:

Dr. Robert Paisola

Payton Allen

Keywords:

account

dispute

department

portfolio

cfpb

recovery

sherry

problem

ma'am

file

fdcpa

robert

attorneys

understand

wells fargo

case

litigation

capital

remove

federal court

Okay, it's Robert Paisola. Today is February 20 2023. We're calling portfolio recovery services again. And let's go ahead and give them a call. We spoke to Pete now and last time 1-800-772-1413. Let's see what they have to say today. So as of today,

we're calling portfolio Recovery Associates. Our principal business address is 120 corporate Boulevard in Norfolk, Virginia 23502. And our phone number is 1-800-772-1413. You can also reach us by email at pra, customer care at Portfolio recovery.com. Calls may be monitored or recorded. This communication will be with a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. For English press one, that is something that is unknown at the moment, please press one if your home address is in Minnesota, all other things remain on the line.

Please wait for the next available agent. That just came in my heart trying to record it. And how can you help you?

Hi, good afternoon, Pamela mass speak to Payton Allen, please. She's a collector.

I apologize. I'm not able to transfer the call. Okay. Do you have an account with us?

Well, yeah, I shouldn't have any accounts with you guys. But I called and talked to her and I had stuff put on my credit report. You guys took it off. We went to court, they took it off, they put it back on. And now we're in the middle of litigation again. And I don't know if you can help me or what, but there's five accounts that you guys put on my report. And I've got a $2 million mortgage.

And what's your name, sir?

I'm Robert Paisola. Dr. Robert Paisola.

Okay, what is the last four of your social

9179? And you're going to notice there's five accounts that are annotated. Okay. And then there's two accounts that are on hold that taped in Kansas City told me that were regarding litigation. I think it's litigation that we filed. I just I just pulled the the log out of case a pacer, the federal, the Federal excuse me the federal case out of Pacer. And that's what I'm seeing.

Okay, let me take a look. All right. So what I've got pulled up here is Capital One.

Yeah, I see it's in a dispute status. What I would suggest, if you call between eight and five, Eastern Time,

department directly, can you make a note that I need you to go into all five of these accounts and make notes that they were going to remove it the next day, but it's not removed. And now there's a $2 million mortgage that I told them about, and I gave them written, and audio instructions are for and it's still not removed? So I need you to make that note on each of those accounts. Okay. Because unless you have a manager there that can help me.

Like I said, if you want to speak to a manager, you absolutely can. Otherwise what I would suggest is thinking with the disputes department, they're the ones that are going to be well,

here's the here's, here's the problem. Here's the problem, are you are you first I don't want if you're a regular collector, I don't I don't want to even get you in trouble. I don't want to get into this. But if you're a manager, then that'd be awesome. And I can tell you what's going on.

I can get a supervisor. Okay, thanks

yeah, I don't want a regular why get them involved?

This is under Hemet matter did they hang up on me? All they did, didn't they?

Yeah, thank you for calling portfolio Recovery Associates. Our principal residence address is 120 corporate Boulevard in Norfolk, Virginia. 23502. And our phone number is one 807 721 1413 You can also reach us by email at pra customer care at Portfolio recovery.com calls may be monitored or recorded. This communication will be with a debt collector and is an attempt to collect that any information obtained will be used for that purpose. For English press one, please press one if your home address is in Minnesota, all others please remain on the line

please wait for the next available agent. Thank you for calling portfolio Recovery Associates. My name is Rebecca Garin Could I have your first Yeah. Hi, Rebecca.

This is Dr. Robert Paisola. I was just speaking to somebody and she hung up on me. I'm just speak to a senior manager, please.

I'm a Senior Account Executive. How can I help you? Okay, I see. You're disputing some account? Yeah.

Yeah. This is all this is all. Let me tell you what happened. I called my talk to a representative named Peyton in Kansas City, okay. And there's five accounts that are annotated, there's five accounts, we went through all of them. I can tell you what they are. But you know what, you know, what's your mailing address? It's all the same. Nothing's changed. We were verified. Everything was.

I know, I know. But I just read verification. I'm required to do that. Yep.

It's, uh, tell me what you have. And I'll tell you whether it's right.

I just want you to verify your mailing address verbally with

but you're gonna have to do 710 Tropicana. 2133. That's what you're gonna have. That's one of my homes where

my homes, okay. city, city state and

Las Vegas, Nevada. And I want you.

Okay, how can I help you? Okay.

Well, no, I understand. Here's the problem. Here's the problem. When I talked to the rep, I explained to them that this has already been handled, we're dealing with this in federal litigation, this thing, you guys remove these five accounts from my credit report, right? Then all of a sudden, last week, and I'll pop back up again, and I'm in the middle of a $2 million mortgage. So what you guys have done is don't my credit.

We got the accounts. I have all your I have your managers. I'm sorry. We got the Capital One account is in dispute.

I understand it. Here's the problem. Now, let me let me explain something. Okay, I have, I have, here's what I have, I have the name of the account, open date, the date of last activity in in your in your purchase date. Okay, so I have all that information. So out of the end in the dollar amounts that you're demanding. The problem is you put it on my credit report. And it's an accurate as it's to begin with number two, the rate the information was supposed to not be put on my credit report, again, it's already been removed, and now I'm being charged. This will cost me four or $500,000. By the time I get done with interest in by interest increases alone. And they told me they were gonna have an attorney call me the next day. And it never happened. So I don't know what to do, you know,

this lines and dispute and the dispute was resolved. And here's the

But hold on a second here. Okay, hold on, hold on, hold on. Let me explain something. Okay. Well, we were in cetera. You are, you're a manager. Right. So you're not a brand new collector. So you understand

exactly that. I'm a senior challenger. I've been here 22 years. Okay. Good. You understand? Because we want you to see a manager that I'm not a manager, I'm a Senior Account Executive. Okay, we've

been through the CFPB on this, let me explain to you my problem. Okay. They have five accounts that they are holding hostage and putting on my personal credit bureau. Those five accounts are the ones that you are referencing. Okay. The problem we have is it was all they were taken off, and now they're put back on, however, here's the problem. And this is what happened in federal court. Okay. You told the federal did not you but the attorneys that were let me pull the attorneys that are involved in the case. We got David Mitchell, James TfL, John Thompson and Miranda grace, James, those are the those are the those are the attorneys for portfolio recovery. Okay. And the federal judge ask a question as well as the media. And the question was this, if you have a dispute, so let me let me let me explain this is very, because I and obviously you understand, I mean, I'm in this business, okay, so this is what I do all day long. I litigate this stuff. Okay. So number one, number one, if you send me if you guys purchase an account, and you send me a demand letter, right. And I call you up on your phone number, which I'm doing right now, and I tell you that hey, this is not accurate. It's not good. Correct. It's all completely it's not valid. You bought paper that didn't have valid validity behind it was What? What? Wedding signature back to the beginning on each and every one of these? Okay. Are you following me so far? My friend?

Yeah, okay.

Okay. Oh, no, hold on, hold on, hold on, hold on. And then I tell you, Oh, let me finish up. And then I tell you this has been disputed pursuant to the FDCPA, and the rules of the CFPB. And then you say, what we're going to do is we're going to transfer it to our department, which handles the dispute department, which is your own account, you it's your own people, it's not like you send it to the back to the CFPB. Or you send it over to anybody to any credit bureau, you guys just you guys analytically reviewed it yourself, your own internal department. That's what they I pulled a copy of an 800 Page deposition. And in the deposition, they told the judge that was that's not what this is the way they did it. So in other words, you're buying paper saying

that you already paid okay. No, no, I don't.

There's nothing. Ma'am. What I'm saying what I'm saying.

Let me Okay, go ahead, respond to what you said. Let me respond. In some of the disputes. You said you already paid in some of the disputes. It says fraud. Okay, because it's disputed it several times. So if you already paid this, or if you are claiming fraud, then you will have paperwork.

That's right, ma'am. And there is right, which is why we have the federal court action. That's the paperwork. Right? So when you bought this when you bought these accounts, all of these accounts were purchased on March 19, of 21. January 22, of 2319 to 21. So I mean, at 15 of Hold on 21 122 20. So what you guys have done is you bought these things for like $10 apiece, and now you're holding me hostage for accounts that are not even mine. Okay?

How come you haven't set back anything to prove that

because I went to federal man, everything we fail, everything we file, hold on. Everything we file was in federal court, we don't deal with internal collection departments. Okay. You understand them? I apologize. We don't deal with internal dispute department, Western Capital International. I'm the CEO and president of Western Capital International. And we suit all we do is would you say Say again? Say again,

I actually co gather on one of your accounts, the one that I'm looking at?

Well, I'm, I'm the CEO, I'm as high as you're gonna get. And I've got six attorneys that work for me. So my, my problem is, then you have my problem. But my problem is, is it's still on my credit report, and I have a $2 million mortgage trying to close because it's so hard to balance. There's no balance because it's muted, and it's invalid. Ma'am. The court already already told you to remove it. See, I'm saying you already compelled.

When did they? Okay. The only thing I could do is tell you to call back before five o'clock. Oh my god. 42 here in Virginia? No, because when you put an account in dispute, then you would have something to prove that either was paid off. Or either you

everything is fraud. Every single thing is fraud.

There's no doubt we haven't received anything from you. And

that's not true. It's enduring. They're filed under the they're filed under court seal, ma'am, with your with the court I'm talking about, but I'm not working for Ma'am, ma'am. You're in debt collection for 20 years. I've been doing it for 17 You know, as well as I do if I'm going to go against portfolio recovery. I'm not going to do it. But stream now. Are you right? You're right. Yeah, yeah, you're right. You're right. I don't. But you've been you've been in debt collection. You've been you've been right but the problem but the problem we have Ma'am, is this a non sophisticated consumer which is what the courts look at when they're talking about this believes they can call you and they're gonna get a fair shot at having they're having their their account deleted, or having having it fixed. Well, you know what they don't they don't know that you're the ones that a that bought it. Number two, that you're the ones that are be collecting. Number three, that you're the ones that are answering the phone, and number four, that you're the ones that are going to send it to your own dispute department, which is nothing more than your own department internally. You see, that's the problem. And that's where they told the federal they told the federal court

situation in different news when we send it to our to speech department, they review all the statements. Okay? To see if we have proof that it's valid debt or whatever. I've seen plenty of counts come out settled, I mean, resolved in the customers favorite.

Okay, so do you have let me let me ask you this

in any paper facts, anything over the PRA showing that you don't own this account? Okay.

Okay, number one under the under listen under the FDCPA. Okay. And under the FCRA? Right? Yes, yeah, exactly FDCPA and FCRA. And then the CFPB recent Fifth Circuit decision, I don't have to do that I'm talking to you, then this recorded conversation is just as valid as sending. Yeah, it this is just as valid as sending 50 pages. Okay. And that's why when

that's happened statements, that shows that absurd, you have to talk to our speech department, okay. And if you can call it during the day, and I'm sure that you can call during the day, because if you own that business, and you would be able to find some time during the day to talk.

How did you get the name Western capital? How did you get the name Western capital? Because

it's listed on the account? It's a co debtor on it on one of the accounts.

That's impossible. How's it? How's that?

Any letter that you got a Debt Capital One visa account, which is debt payment stopped? August 15 2019. It was opened February 7 2018. Let me look at the statement. And I'll tell you exactly what

you purchased it on. February, the first one, march 19 2021. That was your data purchase. Your DLA data last activity was? So

the the statements all say Robert and sola once a capital international unit 2133571 out in Shopkin Avenue, Las Vegas, Nevada. Eight. Okay. Do you have a copy of D on your statement that you would see?

Do you have a copy of the original application?

You would have to talk to the dispute department you're calling the regular pledge implore. purchased something at 711 in Las Vegas Kindle services for 228.

Ma'am, I don't have an I don't have I don't have any of those Doc, I don't have any of those documents. I'm just asking you. I'm just asking. Yeah, do you have copies of the original application, the wet signature? So in other words under the FDCPA or they

might have I don't have that in my department, you're calling a regular collection. And I was suggested during the day calling and speaking with him to speak on it. Okay, I mean, I I understand you're you're getting a house. Right now they're not here. People are not here after 5pm responding.

So if I had a collector, if I had a collector, and that this happened before Tamika Turnbull was another another one we talked to to make it and then that they went around the world. Yeah, well, to make it taller tower that Dr. Robert Paisola was on the phone tower that they wanted to see if she knows anything about the case. Ask her say, say, Dr. Roberts. Doctor.

We're a large company. Well, yeah,

but if you if you notice, if you know to mica, she was part of the lawsuit.

I didn't know. So we go ahead and notate they count that you called in, sir. And you can call back during the day for

all right, I understand. You're caught you're trying to resolve your kind and I can't even set

it up on auto pail. Okay. February 15. Audit payment of $15. Done.

But ma'am, I'm asking I'm asking you Do you have the Do you have the original applications is what I'm talking about the original signed off applications, my department, okay. Okay. So that's where

that and that's the legal status. I mean, look in the legal digest. And

by the way in, in the legal side, I talked to a friend and I talked to I talked to a friend who works at pra. So listen, listen, there's two questions. Yeah, and there's two accounts also that are not being that are listed in the legal department what are those accounts because they aren't they aren't one of the five there's two more what are those accounts man

and one that is without legal department right but what I can change for you I can transfer you over to them for that account. What account is that? People here they are our representative here from that department. Okay,

tell me what's the name of the account okay there's a there's a purge

which we purged it because this did resolve in your favor.

Well of course it did they so what countless Can you tell me the name of the one with the legal right now tell me the name. What is it? Who was who was the

one? It was a Wells Fargo.

Okay. And that right now? That's now that's been resolved.

rescind assist and I'm not for us not to call you into what I'm saying that you're working with a third party representation or a maybe for bankruptcy don't mean

bankruptcy.

Yes, that was that's a real old one that was just missing 1996 Your bank okay, I mean I can transfer you over I just can't tell you anything else about

you're saying the account the account that you can transfer me on as Wells Fargo and not the other five

No, I can't they can't they just speak department is not their legal department is here.

Well, then I need to talk to the legal department then it sounds like that'll that'll solve it.

I'll change for you. To legal for that one. Would

you be surprised they want to catch me so kinda just just say your first and last name again? For me? Just so I have it correct.

My name. My name is Ruth. My name is Rebecca again. To transfer it

is VE is it BTG?

AUG A R I N is not.

Okay, that sounds good. Thank you, Rebecca.

Okay. Would you like to be traded for David? Oh, absolutely.

Absolutely. Yeah, you bet Rebecca.

Okay, okay, you're gonna hear a brief recording and they will pick up all right, sounds good. Thank you. You have a good day. I hope you get it all straight.

If you are regarding your account, please press one. If you are an attorney or court personnel, please press two. All others please remain on the line.

If you are calling regarding your account, please press one. If you are an attorney or court personnel for English press that have been denied and thank you for calling portfolio Recovery Associates. Calls may be monitored or recorded. This communication will be with a debt collector and it's an attempt to collect the debt. Any information obtained will be used for that purpose. You may request copies of documentation relating to your account, which includes original account level documentation available to portfolio Recovery Associates, LLC, account chain of title and either a sign account application or account statement reflecting a purchase, payment or other use of the account. To do so, you must send your request in writing to portfolio Recovery Associates, LLC 140, corporate Boulevard Norfolk, Virginia 23502. Portfolio Recovery Associates LLC will provide the documentation to you at no cost within 30 days of receiving your request. Please wait for the next available.

Hi, my name is Sherry Ward's reach portfolio Recovery Associates. And I had the pleasure of speaking with this Monday afternoon.

Hi, good afternoon, Sherry. This is Dr. Robert Paisola. And it is this afternoon is

to Mr. Dr. Robert. Well,

I'm I'm doing okay, it sounds to me like you guys are the legal department. Is that right?

That's correct. Okay,

then that's awesome. Let me tell you, I don't know how much of this information you can handle. Is there a manager or the legal department there? Because I'm, we're talking about two cases.

This is my department and this is what I this is what I do. So first if you tell me this, let me okay, what's the last four years social 9179 Cuz I have to verify you and I have to thank you. All righty. And I have an address. It's 57 Kent. Tropicana Avenue unit. 213. Las Vegas, Nevada. 89122. Correct.

2133213389122. Yes, ma'am. And your name is Sherry. Ward's five six. Is your your name is Sherry work.

Okay, so I'm confused.

Okay. Yes. Is your name is Sherry Ward, right.

That is correct. Thank you. Go ahead. Sherry. There is a little delay in the call if I don't want you to think I'm talking over you. You checked the last four of your phone number is 13567252511356 Correct?

That's correct.

All right. So I'm showing here that you have 1234567 accounts. So which account are you calling in regards to?

Okay, let me tell you the problem I've got is I am aware of the phone Hello, I'm aware of the five accounts that are not in your department in yours two accounts that are I just found out today ones with Wells Fargo, and then one is simply something else. So if you would tell me, if we can just focus on the Wells Fargo case, what I want to do is, is I'm going to annotate that. On the well. Would you agree that the there is a case from Wells Fargo in your that's in your placement in your department?

Yes.

Okay, Sherry?

Yes, you've been working with a third party with these accounts? No, I'm

no ma'am. I'm, I am the CEO of Western capital. And I sued you in federal court on these. And what happened was the jet everything was resolved in my favor, and this was removed, then all of a sudden, I talked again, not only I talked to a credit to President to mica Turnbull, but I also talked to your legal, your legal, actually, the attorneys, right. And all of a sudden, two weeks ago, they put these accounts, five accounts back on my account again. So now, I've got to go back and petition in federal court again, and using the attorneys we use before the problem is Sherry, is I've been victimized and I am being victimized because I'm buying, I have a $2 million mortgage right now. And this just popped up. And now I have to deal with this. So you don't know what the notes say. But, you know, we've we've actually deposed your senior, your senior staff, your senior managers, your CEO, all that stuff's been done. This is a these cases have gone on for a while. Okay. And now I'm a victim again, because at $2 million, you have to understand there's a dip, there's a range of interest rates, where I'm gonna be charged more, and that's going to be at least, you know, 345 $600,000. So I call up and I talked to one of your associates the other day, and I talked to her and her name is and the columns online, you can just pull it out, pull it up. It's placeholder versus portfolio recovery. And type in Payton, pe YT. Un, you can pull that whole call up, it's there, then you can pull up the one was to make a terminal. And that's all that's that's there also, it's pi Zola vs. Portfolio recovery services under Tamika Turnbull. And then you can pull up the actual court documents, which goes through Pacer, and those were all done that started and that was filed on or about 310 21. Okay, so we've got problems here, where it's, it's gonna start costing me a lot of money. But nobody wants to help me. Nobody wants to take these things off my account, and they need to be removed. I talked to the lady last week, and she said, Okay, we're going to take care of it for you. And that was Peyton in the Kansas City office, and it never happened. So now here I am. And I'm sure if you look at the notes and read the notes detailed, you'll know who I am, what we do. Right? You understand that? You know, who we who we are and what Western capital does. And then for me to be me to be the victim, again of this is extremely harsh. Especially after it's been it's been it's been adjudicated by a federal judge. Does that make any sense to you, Sherry? I hope so.

What if you weren't a lot of places? I see is that this particular account at Wells Fargo account?

That's not reporting cherry

say that you were worried?

That is not that is your judgment? Absolutely not. No, no, no, we sued you. We have a judgment against you.

Okay, so I don't know your I'm not an attorney. I don't have anything to do. I don't I'm not an attorney. I work for the company. Here's the problem. Sherry, you're telling me a lot about what you're doing and you're suing the company. So I mean, how can I help you today? I want to, I want you to go into the account telling me

Okay, Sherry, what I want you to do to save your company 1000s Or hundreds of 1000s of dollars, I want you to go in and remove the five accounts that are showing recording and remove those get those off my accounts. They already came off and now they're back on

again. To do that. Let me get you to the dispute. I think he entered the dispute now that just need to hold on to remove it if they're willing to do so. Hold on, please. Okay,

that's fine. Okay, it's Monday, February 20 2023 is 2:59pm Send me the dispute department.

Our principal business address is 120 corporate Boulevard in Norfolk, Virginia. And my phone number is one 807 7212 One Three, you can also reach us by email at pra customer care that portfolio recovery.com calls may be monitored or recorded. This communication will be with a debt collector and is an attempt to collect any information obtained will be used for that

purpose. For English press one. Press two Thank you for calling in yourself. Actually he goes in you have refreshing like anything.

Yeah. Hey. What's your excuse me one second, Robert. Okay. Okay. Sherry board, and I'm trying to make sure that I have the constraints department. No, ma'am. This is litigation. Okay. Thank you. Well, number I'm sorry. I'm gonna try to stay close that.

Litigation is fine. I can handle with ma'am. I can handle litigation. Ma'am. Oh, my God. Oh, Ashley. Okay, I'm here. I'm here to go ahead and show sorry. Ashley in litigation.

This is so simple to resolve. Sherry. So simple?

Yes, I understand what you're saying. But as I've stated, I'm not able to tell sorry. So

we got to find somebody got to find somebody in the food chain department

and demand that they removed them for you. I do apologize. But there's I'm not able to do that.

So who do you mean, what department? Do you Do you know, that can do this? Or do I just need to continue to go through court? You just I mean, it's up to you. It's up to you. I mean, that was Lady was in litigation, and maybe we should be talking to somebody in litigation? That's fine. I mean, I would prefer that ever be mean? Well, actually, you know, what, can you do me a favor?

Let me ask you, I'm not able to assist you, sir. Okay, then let me ask you this not able to Okay, Sherry, let

me ask you this. I'm not able to do I have a wonderful idea. Sherry, can you initiate a lawsuit against me? If I give you all my information and have your attorney file a suit against me? Can you do that?

As I stated, as I stated, able to do? Well, I thought you're in your department, your main concern is to get this disputed and move this off of your credit. That is the nature of your call. I'm not able to do that. So I do apologize.

So who is the who's someone who can work on home? And what's the what's the Vice President is the disputes department. But see, here's the problem. And this is what this is what if you've been collected as long as I have you understand this? Okay. You guys, let me let me let me kind of run the chain change.

Sherry, sir. Sir, let me explain something to you. I cannot only thing I can do is get you to disabuse department. I cannot do I don't know anything about your legality, or any of those things that you told me about that is above my head. I do apologize. Nothing I can do. But I can't get you to dispute department because you're requested for this to be removed from your credit. And the account that I'm showing here is you spoke about the Wells Fargo account now

not the wildfire. I've no no, no, no, no, no, there's five there's five accounts. Capital One Amazon Capital One in other Capital One and Walmart

not able to assist you. Yes, sir. What?

Oh, so that's your calls, and they're all defeated. Okay, but that's the problem is the dispute. The people that are reviewing this disputes are your internal people. That's what I'm saying. So that's where that's where we have a problem. Okay, it's kind of like Western capital. If I went out and bought 100 100 million dollars if I bought $100 million

and there's nothing I can do about that. And from that department, I'm so sorry.

Okay, so give me give a direct telephone number did this to us directly to disputes Yeah.

I just know I ain't

your patients. I understand what you're saying to me if I can help you I when I when I do see the notes here in the in the system and everything.

I have a copy of all your notes too. I have friends that work there. That's what I'm saying. So I'm trying to tell you, this is crazy. I'm the one that if I've got your own information that says to do what do something and you're not doing it and I'm going to lose a half a million dollars, you know, and that's the problem. I've got you Not to mention I probably train half your staff. I mean, it's crazy. This is bizarre, already weird answer. I know, how long have you been doing this? I've been doing for 17 years.

And you're disputing this because you're disputing this because you're saying is wrong.

Completely, completely invalid. And the only thing I haven't done yet the only I have not done yet. As far as you know what? You know what? You know, what, just hit me. It just hit me because I teach this all the time. The only I haven't done yet is filed this with the CFPB. So you know, what we I need to get Okay, okay. Okay. Okay. Okay. I asked you a question. Now, I know what

are you? I'm asking you a question, please. I could only do one thing at a time. Yeah. Are you saying this is fraud?

Oh, absolutely. Yeah, absolutely.

Abuse department, and you can expect to receive documentation in the mail. And

I understand that the problem, maybe it's your own internal file that I went over. But there's five this though, what about the other five accounts, ma'am?

We're already in dispute.

Right. And they said that they were resolving the disputes. Hmm. Okay. Good. Do you see where they say they try

to wait for an answer. I'm trying to get you over there.

Can you get Yeah, if you can give me some indisputably great, Sherry. Because Ashley, Ashley, Ashley wasn't. And by the way, thank you for hot hotline in the call. So you were on there, I appreciate that, versus just dumping me. So actually,

I wouldn't just drop you off over there and not get somebody on the line. I don't think that's very professional.

Well, you're probably one of the 1000 people that work at that company that understands what that word is. See, that's why it's why I say I've had I've had to spend almost $200,000 of my own money to fight this. And now you get somebody like you who actually is understanding. And it's weird that you're the only person but I don't I don't know, you know, it's like, you know, this is what I do for a living. If you Google my name, and not that that means anything, but you're gonna see case after case pies, all pies, Ola, versus portfolio recovery, you're gonna see all these people and all these calls. We deal with people from all over the world that you guys are wrong and damaged. And it just not it's not normal, that I would personally be a victim. Right. There's a case right now that I testified on with a for that for the defense. And that's before Judge radowski. And that's based in it's called Hamad versus portfolio recovery. And that was out of Arkansas. I mean, this is crazy. We're talking federal law, by the way, Federal Court not does not just simple, you know, local court. So you see it, just imagine if it's

successfully dispute, they're fun. I did successfully just beautiful yourself, if you will reach back out to us tomorrow. What did you get? All of these accounts are disputed. So they are in another department?

Who has the authority to account for who has the authority to remove these? Who has the authority to remove these from the credit bureau? What DEP

I'm really not sure. I'll always think that I know is disputes. Normally, when an account is paid off. We do have the option to delete it. Also, the state that what you're calling in regards to today, as you're stating that this is fraud, and you paid it. So there are researchers and they have the they have the ability

to remove Can you please give make a note all these accounts, listen, for them to listen to this call. And to pull it up, I'll put I'll put this up on our server today's call. So that way, at least they'll go up and people can reference it.

Every time you call. What happens every time you call you've been calling several times. That was specifically for 40 of 2022. And then we begin to speak with you again on February 16. And

we are all on the internet. All the calls are on the internet. Yep, they're all on so

you are calling and we are. I did get into the updating information accordingly with regard to the Wells Fargo account reached out to a small and we will have the students get on the line and seeing what we can do for you. Okay, all right, for any inconvenience.

All right. I appreciate your time right now pretty much. This is Robert Paisola with Western capital. Today is Monday February 20 2023. The time is 3:09pm. This is a live conversation that took place with PRT portfolio recovery. There are two mitigating cases here that have been filed in federal court against portfolio recovery. Have you guys, you guys saw the transcriptions, you guys have also heard the phone calls. This is what happens when you have people who have high dollar amount, high dollar issues, like I have a $2 million mortgage, and then you have people who send it through their pipeline, and they can't manipulate the pipeline to fix it, because now it's gonna be we're gonna go after, after damages, and we're going to count I'm going to see see each of these, uh, here's what's gonna happen right now, and I want you guys to do the exact same thing. Okay, the first thing we're going to do is we're gonna file a complaint against the CFPB. And we're going to annotate all of these phone calls. So we're going to file probably $1,000 affidavit or 1000 Page affidavit with the CFPB. The second thing we're going to do is we're going to contact David Mitchell Jr. James K. trefl. John Cosman, Miranda, Grace, James. Those are the four attorneys that we dealt with on the internal litigation that was resolving this, and we're going to send it to them. However, now we're talking about damages and damages are annotated pursuant to, you know, in this case, it's FCRA. Okay, because they've been cease and desist, they can't call. But what they can do is, you know, I just don't understand, guys, I bought, I bought over a billion dollars in paper, $1 billion. And if I had this type of an issue where I have all this court documentation, you know what, I don't know whether I would spend the money, I would continue to spend hundreds of 1000s I probably will. But or if I would just let it go. The bottom line is the bottom line is, we're going to take this, we're going to put it back up on our satellites. We're gonna let it roll. There's nothing I can do. There's nothing we can do. She's tried. The lady was the nicest lady in the world at the end, right? But she has no authority. So you know, what do you do? I mean, all these people to mica Turnbull, another person we talked to who heard her hers is on you can just type into mica Turnbull tea Am I KT you are MBI yellow pies, Allah vs. And then type in pies Allah vs. Portfolio recovery. Payton P YT. Un that's the last name. And you'll see that and then we've got Ashley, in litigation, we've got Sherry ward. And then we've got the issue of the dispute department, which basically as their own internal department, but they told a federal judge, that that's not the way it works. So now you have lying to a federal judge. I can't believe this, this is absolutely incompetent. But you know what, we'll continue to spend the money. And that's why we do what we do. This is Robert Paisola, we're live, this will now be transcribed and set up on the satellite, and also annotated and sent to the court. I wish that they would just do what's right. Sometimes if they don't, we just we just sit back. And you know, last time, but I think we got $50,000. The last time this happened on one case, now multiply it times five, this is gonna be a million dollars. By the time we're done, again, a million dollars, guys. Portfolio Recovery Associates, that's the name of the company. We've been dealing with them for years. If you go to if you go to YouTube, you can see videos from us, when a lady committed suicide because of what portfolio recovery did just go ahead and type in Robert Paisola portfolio recovery in YouTube, and you'll see me personally, because we actually did it in a television studio, and you're gonna see it, we did it for NBC, let he killed herself, because of all the stuff that was going on with portfolio recovery. So I'm gonna have to remind them all of these things and of course, all these documentations in the these issues. As they're as they're being as, as they're as they're being presented for by the fourth. You know, I was told by a collector the other day that it'd be taken care of, and it's not. I was told by Shelley Sherry today that it would be taken care of in the dispute department. Well, guess what, that's just their own internal department. I asked her today, if you notice my friends, I said, Well, you sue me, please file a lawsuit against me. Why do I want that? Oh, my God, because then that's more damages. Right? You guys understand that? We're going for TCPA. We're going for FDCPA. We're going for FCRA. And we're filing under the FTC. Not not only the FTC, effort, affidavits, but the CFPB that's what we're going to do. And these people treat me like, I'm just some absolute schmuck that has no idea what's going on. Guys, you can't and this is going to cost me real money. That's why we do what we do. That's why we say You know what, we never ever, ever settle. And I swear to God, I am going to put the biggest class action litigation together using all these tapes, guys, using all these tapes, and you're going to be able to see it. We're live in Las Vegas, or No, today. We're not we're in what we're at Westwood one in Los Angeles and Beverly Hills. And this call is now concluded. We're now going to go ahead and instruct them to instruct counsel to contact them and file an FTC FC. F note. No, no, no. We're gonna go FDCPA FCRA and the CFPB CC to all the credit bureaus because the problem that we have is that they have not they're they're doing their own investigations. And when you do your own investigations, that's basically like Same. Okay, guys, here's a million dollars and paper I'm gonna give you, you know, $10,000 for it. Well, who's your? Who's your dispute department? Oh, it's just some, it's just another department here at Portfolio recovery. So portfolio recovery is betting their own disputes, really. So now we're going to bring all these individual creditors and we're going to nail every single one of them. And I'm going to go right to their CEO, and we're going to sue them individually. It's going to be a masterpiece. Okay? But you guys are hearing the law. You're hearing what I'm saying you're hearing the documentation. And you know what they're hearing it also because they're recording this as we are and you know what not one damn thing will happen until this gets on CNN once it shows up on television, and they see exactly what they're doing and they do the research on who Western capital is and who Robert reprisal is and once they find out they're gonna find out real seriously that this is not the smartest way to move through this matter. Guys, this call is not concluded. We're gonna go ahead and run this up on a satellite. We are done. End of call