Debt collection -- Communication tactics -- Complaint #17757470
Aggressive Debt Collection Tactics Under Scrutiny
Complaint Overview
Complaint ID: 17757470
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Michigan
ZIP Code: 48647
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Risk Assessment
Risk Level: medium
Frequent and repeated calls can be considered harassment under the Fair Debt Collection Practices Act (FDCPA), potentially leading to legal action if deemed excessive.
Consumer Sentiment: neutral
Topics: Debt collection, Credit card debt, Harassment
AI Analysis
CFPB complaint 17757470 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (Credit card debt), specifically about "Communication tactics". A consumer filed a complaint regarding frequent and repeated calls from Portfolio Recovery Associates, LLC concerning credit card debt. The complaint was received on September 30, 2025 from Michigan. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should document all communication attempts, including dates, times, and the nature of the calls, and inform the debt collector in writing to cease communication if they believe it is excessive.
Legal Context & Consumer Protection Laws
The FDCPA limits the frequency and timing of communications from debt collectors to prevent harassment.
Regulatory Insight
Regulators monitor debt collection agencies for compliance with FDCPA rules regarding communication practices.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Michigan, a state that also has its own consumer protection laws that may apply to debt collection practices.
Industry Comparison
This complaint is typical of issues consumers face with third-party debt collectors, particularly those handling credit card debt portfolios.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17757470 about?
CFPB complaint 17757470 involves Debt collection (Credit card debt). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against Portfolio Recovery Associates, LLC on September 30, 2025.
Which company is complaint 17757470 filed against?
Complaint 17757470 was filed against Portfolio Recovery Associates, LLC. You can view all complaints against this company on their profile page at /company/portfolio-recovery-associates-llc.
What was the company's response to complaint 17757470?
Portfolio Recovery Associates, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17757470 filed?
Complaint 17757470 was received by the CFPB on September 30, 2025. It was sent to Portfolio Recovery Associates, LLC on November 20, 2025.
What state was complaint 17757470 filed from?
Complaint 17757470 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 17757470?
Dispute information is not available for complaint 17757470.
What product category is complaint 17757470 about?
Complaint 17757470 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 17757470 submitted?
Complaint 17757470 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17757470?
The FDCPA limits the frequency and timing of communications from debt collectors to prevent harassment. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "Communication tactics".
How likely is complaint 17757470 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17757470?
This complaint is rated as medium risk. Frequent and repeated calls can be considered harassment under the Fair Debt Collection Practices Act (FDCPA), potentially leading to legal action if deemed excessive.
What regulatory actions apply to complaint 17757470?
Regulators monitor debt collection agencies for compliance with FDCPA rules regarding communication practices. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17757470?
Consumers should document all communication attempts, including dates, times, and the nature of the calls, and inform the debt collector in writing to cease communication if they believe it is excessive.
Are there state-specific protections for complaint 17757470?
The complaint originated in Michigan, a state that also has its own consumer protection laws that may apply to debt collection practices. This complaint was filed from Michigan.
How does complaint 17757470 compare to industry norms?
This complaint is typical of issues consumers face with third-party debt collectors, particularly those handling credit card debt portfolios.
What constitutes 'frequent or repeated' calls under the FDCPA?
While there's no strict numerical limit, courts generally consider calls excessive if they are made with such frequency as to annoy, abuse, or harass the consumer, often looking at the context and impact of the calls.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.