Debt collection -- False statements or representation -- Complaint #12390909
Complaint Overview
Complaint ID: 12390909
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 30215
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX,2021 To : Portfolio Recovery Associates XXXX XXXX XXXX. XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Validation and Proof of Claim 2rd Request Creditor : XXXX Merchant : XXXX Account # XXXX Reference # XXXX I received your response. According to the Fair Debt Collection Practices Act ( FDCPA ), you have not produced the proper requested documentation to verify this debt. If proper documentation can not be provided, please cease and desist all efforts to collect on this unverifiable information. As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC & 1692et seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please evidence your authorization under 15 USC & 1692 ( e ) and 15 USC & 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business in my state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. 7 ) Please show proof of status for credit insurance for this account.
Frequently Asked Questions
What is Complaint #12390909 about?
Complaint #12390909 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.