Debt collection -- False statements or representation -- Complaint #18061986
Debt Collector Accused of False Statements and Wrong Amount Collection
Complaint Overview
Complaint ID: 18061986
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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint involves allegations of deceptive practices in debt collection, specifically false statements and attempting to collect an incorrect amount, which could lead to regulatory scrutiny and consumer harm.
Consumer Sentiment: neutral
Topics: Debt collection, False statements, Incorrect debt amount
AI Analysis
CFPB complaint 18061986 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 non-monetary relief. The complaint was received on November 30, 2025 from Texas. 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 or attempts to collect incorrect amounts in writing.
Legal Context & Consumer Protection Laws
This case touches upon the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive, unfair, and abusive debt collection practices.
Regulatory Insight
Regulators may investigate if there's a pattern of false statements or attempts to collect incorrect amounts by debt collectors, as these are violations of consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Texas, and state-specific consumer protection laws may also apply to the debt collection practices.
Industry Comparison
Debt collection agencies frequently face complaints regarding communication methods and the accuracy of amounts sought, making this a common issue in the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18061986 about?
CFPB complaint 18061986 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 18061986 filed against?
Complaint 18061986 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 18061986?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18061986 filed?
Complaint 18061986 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 18061986 filed from?
Complaint 18061986 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 18061986?
Dispute information is not available for complaint 18061986.
What product category is complaint 18061986 about?
Complaint 18061986 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18061986 submitted?
Complaint 18061986 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 18061986?
This case touches upon the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive, unfair, and abusive debt collection practices. This relates to a Debt collection complaint against Portfolio Recovery Associates, LLC involving "False statements or representation".
How likely is complaint 18061986 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 18061986?
This complaint is rated as medium risk. The complaint involves allegations of deceptive practices in debt collection, specifically false statements and attempting to collect an incorrect amount, which could lead to regulatory scrutiny and consumer harm.
What regulatory actions apply to complaint 18061986?
Regulators may investigate if there's a pattern of false statements or attempts to collect incorrect amounts by debt collectors, as these are 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 18061986?
Consumers should carefully review all debt collection communications and dispute any inaccuracies or attempts to collect incorrect amounts in writing.
Are there state-specific protections for complaint 18061986?
The complaint originates from Texas, and state-specific consumer protection laws may also apply to the debt collection practices. This complaint was filed from Texas.
How does complaint 18061986 compare to industry norms?
Debt collection agencies frequently face complaints regarding communication methods and the accuracy of amounts sought, making this a common issue in the industry.
What constitutes a 'false statement or representation' in debt collection under the FDCPA?
A false statement or representation includes misrepresenting the amount of the debt, the legal status of the debt, or threatening actions that cannot legally be taken.
What is considered 'non-monetary relief' in a CFPB complaint resolution?
Non-monetary relief can include actions like correcting credit reporting, providing documentation, or ceasing collection activities, without the consumer receiving a direct payment.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.