Debt collection -- Attempts to collect debt not owed -- Complaint #11346171
Consumer disputes debt validity with Portfolio Recovery Associates
Complaint Overview
Complaint ID: 11346171
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33147
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer is actively disputing the debt, which could lead to further collection actions or legal challenges if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 11346171 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Portfolio Recovery Associates, LLC for attempting to collect a debt that the consumer claims is not theirs. The complaint was received on December 31, 2024 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt, including proof of payment or evidence that the debt is not theirs, and respond in writing to the debt collector.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics.
Regulatory Insight
Regulators are focused on ensuring debt collectors have proper validation for debts they attempt to collect and do not harass consumers over debts owed by others.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, debt collection is subject to state laws in addition to federal regulations like the FDCPA.
Industry Comparison
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346171 about?
CFPB complaint 11346171 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Portfolio Recovery Associates, LLC on December 31, 2024.
Which company is complaint 11346171 filed against?
Complaint 11346171 was filed against Portfolio Recovery Associates, LLC. You can view all complaints against this company on their profile page at /company/portfolio-recovery-associates-llc.
What was the company's response to complaint 11346171?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 11346171 filed?
Complaint 11346171 was received by the CFPB on December 31, 2024. It was sent to Portfolio Recovery Associates, LLC on December 31, 2024.
What state was complaint 11346171 filed from?
Complaint 11346171 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 11346171?
Dispute information is not available for complaint 11346171.
What product category is complaint 11346171 about?
Complaint 11346171 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 11346171 submitted?
Complaint 11346171 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11346171?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "Attempts to collect debt not owed".
How likely is complaint 11346171 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11346171?
This complaint is rated as medium risk. The risk is medium because the consumer is actively disputing the debt, which could lead to further collection actions or legal challenges if not resolved.
What regulatory actions apply to complaint 11346171?
Regulators are focused on ensuring debt collectors have proper validation for debts they attempt to collect and do not harass consumers over debts owed by others. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 11346171?
Consumers should gather all documentation related to the debt, including proof of payment or evidence that the debt is not theirs, and respond in writing to the debt collector.
Are there state-specific protections for complaint 11346171?
In Florida, debt collection is subject to state laws in addition to federal regulations like the FDCPA. This complaint was filed from Florida.
How does complaint 11346171 compare to industry norms?
This is a common issue in the debt collection industry, where errors in debt assignment or identification can lead to collection attempts on incorrect accounts.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector requesting validation of the debt. They should also keep records of all communication.
What are the potential consequences if a debt collector continues to pursue a debt that is disputed and not validated?
If a debt collector continues to pursue a debt without proper validation, they may be in violation of the FDCPA, potentially leading to legal action against the collector.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.