Debt collection -- False statements or representation -- Complaint #14870157
Complaint Overview
Complaint ID: 14870157
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Utah
ZIP Code: 84302
Date Received: 2025-07-24T12:00:00-05:00
Date Sent to Company: 2025-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I sent a formal written request to Portfolio Recovery Associates for debt validation regarding an alleged debt of {$1600.00}. I followed up by email on XX/XX/year>, after receiving no response. In reply, they sent a generic summary that does not meet the FDCPA requirements for proper debt validation. They failed to provide a signed agreement, itemized account history, or evidence that the amount claimed is accurate. I disputed the debt and requested full validation. Despite this, they continue to claim I owe the amount without providing adequate proof. This is a violation of the Fair Debt Collection Practices Act. I am requesting the CFPB to investigate and require Portfolio Recovery Associates to either validate the debt with full documentation or cease all collection efforts.
Frequently Asked Questions
What is Complaint #14870157 about?
Complaint #14870157 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-07-24T12:00:00-05:00.
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.