Debt collection -- Took or threatened to take negative or legal action -- Complaint #17956121
Complaint Overview
Complaint ID: 17956121
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Arizona
ZIP Code: 85131
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
A lawsuit was filed against me by Portfolio Recovery for a debt collection regarding a synchrony bank XXXXXXXX XXXX. XXXX writ of garnishment was filed when there was already a motion granted by the court to stay the case pending the outcome of arbitration. Their lawyer spoke with me on the phone and began to threaten me with having to cover their arbitration fees as once the case went to arbitration. Also, despite the arbitration clause in the original contract stating that whoever brought the claim to court would be responsible for commencing arbitration, the lawyer tried telling me that it was my responsibility to initiate the process. The lawyer also followed up via email reiterating that it was my responsibility to initiate the arbitration. Now, after filing a writ of garnishment, which was erroneously granted by the court, the judge has vacated, the summary judgment and get rid of garnishment that were granted erroneously however, the creditor has still not reached out to the garnishee, which is my employer to let them know that the rate of garnishment was vacated so now they have begun to take money from my paychecks and have failed to let my job know that the writ of garnishment is no longer valid. To me, it appears that they are giving me false information in an attempt to get me to commence the arbitration process when the contract clearly states that whoever brings the case to court is responsible for initiating, if the other parties force arbitration. The plaintiff has sought a summary judgment and rid of garnishment despite the case being stayed for arbitration and now they are taking money from my paycheck illegally. To me, this is a clear indication of improper process in the court system. This is also an instance of harassment and false information.
Frequently Asked Questions
What is Complaint #17956121 about?
Complaint #17956121 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. 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.