Debt collection -- Communication tactics -- Complaint #17953369
Complaint Overview
Complaint ID: 17953369
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Alabama
ZIP Code: 361XX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio Recovery Associates , LLC is attempting to collect a debt in the amount of {$3200.00} that I do not owe. I never signed any contract or agreement with Portfolio Recovery Associates, nor have they provided any documentation validating that this debt is mine. Despite this, they have contacted me repeatedly through phone calls, text messages, emails, and letters. Their frequent contact has been excessive and unwanted. The dates contacted are XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have repeatedly requested more information and proper validation, but they have failed to provide sufficient proof that the debt belongs to me. I believe they are attempting to collect a debt without proper verification and in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Frequently Asked Questions
What is Complaint #17953369 about?
Complaint #17953369 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.