Debt collection -- Written notification about debt -- Complaint #18058191
Complaint Overview
Complaint ID: 18058191
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: West Virginia
ZIP Code: 259XX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I sent the company a formal Debt Validation Request in XXXX of XXXX, asking them to provide verification of the alleged debt in accordance with FDCPA 809 ( b ). The company responded only with generic credit card billing statements, which do not meet the legal requirements of validation. They did not provide : Any proof they own the debt or have legal authority to collect A signed agreement or contract An itemized calculation of the balance Documentation linking me to the alleged debt beyond ordinary statements Chain of title / assignment information Despite failing to properly validate the debt, the company has : Continued reporting the debt to the credit bureaus Continued collection efforts Failed to provide legally required verification Providing only billing statements does not meet the federal validation standard, and continuing to report or collect on an unvalidated debt violates : FDCPA 809 ( b ) failure to cease collection without validation FDCPA 807 misleading representation of the debts validity FDCPA 808 unfair collection practices FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that can not be verified FCRA 611 ( b ) failure to correct disputed information I am requesting the CFPBs assistance in ensuring compliance. Requested Resolution : Permanent deletion of this account from all credit bureaus Cessation of all collection activity until proper validation is provided Full validation including chain of title, signed contract, and itemized accounting Prevention of any reinsertion of the account Investigation into the companys validation practices
Frequently Asked Questions
What is Complaint #18058191 about?
Complaint #18058191 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.