Debt collection -- Took or threatened to take negative or legal action -- Complaint #11768134
Complaint Overview
Complaint ID: 11768134
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Texas
ZIP Code: 76244
Date Received: 2025-01-21T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I sent the credit bureaus a dispute for debt verification over a year ago ; I repeated this action a couple of times. I received no response. However, on XX/XX/year>, someone came to my door and handed me some papers stating I had been sued. My home was illegally sold in Florida, and everything in the house was taken, including all personal paperwork and bills. This was done intentionally. How can I be sued when I had no proof of this debt until they came to my home? They could have sent me a debt verification letter when I asked online. I feel this paperwork is incorrect, and this collection agency is abusing its power due to my request for a debt verification letter. However, they started harassing me when I began looking for another home to purchase. I feel like this agency is involved in illegal practices.
Frequently Asked Questions
What is Complaint #11768134 about?
Complaint #11768134 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-01-21T12:00:00-05:00.
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.