Debt collection -- Communication tactics -- Complaint #12302929
Complaint Overview
Complaint ID: 12302929
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Rhode Island
ZIP Code: 02860
Date Received: 2025-03-03T12:00:00-05:00
Date Sent to Company: 2025-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XX/XX/year> ] Portfolio recovery Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist & Demand for Credit Removal Dear Portfolio Recovery I am writing to formally demand that you immediately cease and desist all collection activities and remove the inaccurate and/or unverifiable negative item ( s ) from my credit report. The item ( s ) in question are as follows : Pursuant to my rights under the state and federal debt collection laws, including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. Additionally, my employer prohibits me from receiving your calls or written correspondence at work, so please refrain from contacting my workplace in any manner as well. You are hereby notified that if you do not comply with this request, I will immediately file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the RI ] Attorney General 's Office, and other appropriate regulatory bodies. Civil claims may be pursued. Thank you for your cooperation in this matter. XXXX XXXX
Frequently Asked Questions
What is Complaint #12302929 about?
Complaint #12302929 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-03-03T12:00:00-05:00.
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.