Debt collection -- False statements or representation -- Complaint #18058221
Debt Collector Accused of False Statements and Wrong Amount Collection
Complaint Overview
Complaint ID: 18058221
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: New York
ZIP Code: 11101
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 complaint alleges deceptive practices by the debt collector, which could lead to regulatory scrutiny and potential penalties if substantiated.
Consumer Sentiment: neutral
Topics: Debt collection, False statements, Wrong amount collection
AI Analysis
CFPB complaint 18058221 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 for allegedly making false statements and attempting to collect the wrong debt amount, which was closed with non-monetary relief. The complaint was received on November 30, 2025 from New York. The company responded with "Closed with non-monetary relief".
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 case touches upon the Fair Debt Collection Practices Act (FDCPA) which prohibits deceptive and unfair debt collection practices.
Regulatory Insight
Regulators may investigate patterns of false statements or attempts to collect incorrect amounts as violations of consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in New York, a state with its own consumer protection laws that may supplement federal regulations.
Industry Comparison
This type of complaint is common in the debt collection industry, highlighting ongoing challenges with accuracy and transparency.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18058221 about?
CFPB complaint 18058221 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 18058221 filed against?
Complaint 18058221 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 18058221?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18058221 filed?
Complaint 18058221 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 18058221 filed from?
Complaint 18058221 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 18058221?
Dispute information is not available for complaint 18058221.
What product category is complaint 18058221 about?
Complaint 18058221 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18058221 submitted?
Complaint 18058221 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 18058221?
This case touches upon the Fair Debt Collection Practices Act (FDCPA) which prohibits deceptive and unfair debt collection practices. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "False statements or representation".
How likely is complaint 18058221 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 18058221?
This complaint is rated as medium risk. The complaint alleges deceptive practices by the debt collector, which could lead to regulatory scrutiny and potential penalties if substantiated.
What regulatory actions apply to complaint 18058221?
Regulators may investigate patterns of false statements or attempts to collect incorrect amounts as violations of consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18058221?
Consumers should carefully review all debt collection communications and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 18058221?
The complaint originated in New York, a state with its own consumer protection laws that may supplement federal regulations. This complaint was filed from New York.
How does complaint 18058221 compare to industry norms?
This type of complaint is common in the debt collection industry, highlighting ongoing challenges with accuracy and transparency.
What constitutes a 'false statement' in debt collection?
A false statement can include misrepresenting the amount owed, the legal status of the debt, or the collector's authority to collect.
What does 'non-monetary relief' typically entail in such cases?
Non-monetary relief can include actions like correcting credit reporting, ceasing collection activities, or providing documentation, rather than a direct payment to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.