Debt collection -- Attempts to collect debt not owed -- Complaint #18056251
Consumer disputes debt validity with Portfolio Recovery Associates
Complaint Overview
Complaint ID: 18056251
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 18102
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer is actively disputing the debt, which could lead to further collection actions or legal challenges if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt, Debt validation
AI Analysis
CFPB complaint 18056251 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against Portfolio Recovery Associates, LLC, alleging attempts to collect a debt that the consumer claims is not theirs. The complaint was received on November 30, 2025 from Pennsylvania. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and their dispute, and consider sending a debt validation letter to the collection agency.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection efforts if a consumer disputes the debt and provide verification.
Regulatory Insight
This case highlights the importance of collectors verifying debt ownership and accuracy before attempting collection, especially when dealing with purchased portfolios.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Pennsylvania, and state laws may also provide consumer protections regarding debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where consumers frequently dispute the validity or ownership of debts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18056251 about?
CFPB complaint 18056251 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Portfolio Recovery Associates, LLC on November 30, 2025.
Which company is complaint 18056251 filed against?
Complaint 18056251 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 18056251?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18056251 filed?
Complaint 18056251 was received by the CFPB on November 30, 2025. It was sent to Portfolio Recovery Associates, LLC on November 30, 2025.
What state was complaint 18056251 filed from?
Complaint 18056251 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18056251?
Dispute information is not available for complaint 18056251.
What product category is complaint 18056251 about?
Complaint 18056251 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18056251 submitted?
Complaint 18056251 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 18056251?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection efforts if a consumer disputes the debt and provide verification. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "Attempts to collect debt not owed".
How likely is complaint 18056251 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18056251?
This complaint is rated as medium risk. The risk is medium because the consumer is actively disputing the debt, which could lead to further collection actions or legal challenges if not resolved.
What regulatory actions apply to complaint 18056251?
This case highlights the importance of collectors verifying debt ownership and accuracy before attempting collection, especially when dealing with purchased portfolios. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18056251?
Consumers should gather all documentation related to the debt and their dispute, and consider sending a debt validation letter to the collection agency.
Are there state-specific protections for complaint 18056251?
The complaint was filed in Pennsylvania, and state laws may also provide consumer protections regarding debt collection practices. This complaint was filed from Pennsylvania.
How does complaint 18056251 compare to industry norms?
This is a common issue in the debt collection industry, where consumers frequently dispute the validity or ownership of debts.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately contact the collection agency in writing to dispute the debt and request validation. They should also keep records of all communication.
What are the obligations of a debt collector when a debt is disputed?
Upon receiving a dispute, the debt collector must cease collection activities until they provide verification of the debt to the consumer, including the amount, name of the creditor, and proof that the debt is valid.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.