Debt collection -- Electronic communications -- Complaint #11755511
Complaint Overview
Complaint ID: 11755511
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Texas
ZIP Code: 75230
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello Portfolio Recovery Associates , LLC. I am contacting you about an alleged debt ending in XXXX you are attempting to collect. You contacted me via email to identify alleged debt. Cease and Desist all contact via email and phone from here on out. Please supply the information below via CFPB attachment so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. As well as the contract/agreement with signatures of ALL parties involved ( The creditor, Portfolio Recovery Associates , LLC, and alleged debt owner ). If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement created my requirement to pay? If you are asking that I pay a debt that somebody else is or was to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt : including : A copy of the last billing statement sent to me by the origional creditor. State the amount of the debt when you obtained it, and when that was.
Frequently Asked Questions
What is Complaint #11755511 about?
Complaint #11755511 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-01-25T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Portfolio Recovery Associates, LLC?
Yes, visit the Portfolio Recovery Associates, LLC company profile at readthecomplaint.com/company/portfolio-recovery-associates-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.