Debt collection -- False statements or representation -- Complaint #18058190
Portfolio Recovery Associates Accused of False Debt Collection Practices
Complaint Overview
Complaint ID: 18058190
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 76207
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint involves allegations of false statements and attempts to collect an incorrect debt amount, indicating potential violations of fair debt collection practices.
Consumer Sentiment: negative
Topics: Debt collection, False statements, Incorrect debt amount
AI Analysis
CFPB complaint 18058190 was filed against Portfolio Recovery Associates, LLC regarding Debt collection (I do not know), specifically about "False statements or representation". A consumer filed a complaint against Portfolio Recovery Associates, LLC, alleging false statements and attempts to collect an incorrect debt amount, which was closed with an explanation. The complaint was received on November 30, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all debt collection communications and dispute any inaccuracies promptly.
Legal Context & Consumer Protection Laws
This complaint may involve violations of the Fair Debt Collection Practices Act (FDCPA) and state-specific debt collection laws.
Regulatory Insight
Regulators may investigate whether Portfolio Recovery Associates engaged in deceptive or unfair practices when attempting to collect debts.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Texas, and state laws may also apply to the debt collection practices of Portfolio Recovery Associates.
Industry Comparison
Debt collection agencies frequently face complaints regarding misrepresentation and collection of incorrect amounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18058190 about?
CFPB complaint 18058190 involves Debt collection (I do not know). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against Portfolio Recovery Associates, LLC on November 30, 2025.
Which company is complaint 18058190 filed against?
Complaint 18058190 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 18058190?
Portfolio Recovery Associates, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18058190 filed?
Complaint 18058190 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 18058190 filed from?
Complaint 18058190 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 18058190?
Dispute information is not available for complaint 18058190.
What product category is complaint 18058190 about?
Complaint 18058190 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18058190 submitted?
Complaint 18058190 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 18058190?
This complaint may involve violations of the Fair Debt Collection Practices Act (FDCPA) and state-specific debt collection laws. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "False statements or representation".
How likely is complaint 18058190 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 18058190?
This complaint is rated as medium risk. The complaint involves allegations of false statements and attempts to collect an incorrect debt amount, indicating potential violations of fair debt collection practices.
What regulatory actions apply to complaint 18058190?
Regulators may investigate whether Portfolio Recovery Associates engaged in deceptive or unfair practices when attempting to collect debts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18058190?
Consumers should carefully review all debt collection communications and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 18058190?
The complaint originates from Texas, and state laws may also apply to the debt collection practices of Portfolio Recovery Associates. This complaint was filed from Texas.
How does complaint 18058190 compare to industry norms?
Debt collection agencies frequently face complaints regarding misrepresentation and collection of incorrect amounts.
What specific false statements were made by Portfolio Recovery Associates?
The complaint does not specify the exact false statements made, but it generally alleges misrepresentation by the debt collector.
What steps can a consumer take if they believe a debt collector is attempting to collect the wrong amount?
Consumers should dispute the debt in writing and request validation of the debt. They should also keep records of all communications.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.