Debt collection -- False statements or representation -- Complaint #18062356
Debt Collector Accused of False Statements and Wrong Amount Collection
Complaint Overview
Complaint ID: 18062356
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: Connecticut
ZIP Code: 06033
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 Portfolio Recovery Associates, LLC, 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 18062356 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 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 Connecticut. 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 by debt collectors.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Connecticut, and state-specific consumer protection laws may also apply.
Industry Comparison
Debt collection agencies frequently face complaints regarding communication and accuracy of debt amounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18062356 about?
CFPB complaint 18062356 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 18062356 filed against?
Complaint 18062356 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 18062356?
Portfolio Recovery Associates, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 18062356 filed?
Complaint 18062356 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 18062356 filed from?
Complaint 18062356 was filed from Connecticut. You can view all complaints from this state at /state/CT.
Was the consumer satisfied with the resolution of complaint 18062356?
Dispute information is not available for complaint 18062356.
What product category is complaint 18062356 about?
Complaint 18062356 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18062356 submitted?
Complaint 18062356 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 18062356?
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 18062356 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 18062356?
This complaint is rated as medium risk. The complaint alleges deceptive practices by Portfolio Recovery Associates, LLC, which could lead to regulatory scrutiny and potential penalties if substantiated.
What regulatory actions apply to complaint 18062356?
Regulators may investigate patterns of false statements or attempts to collect incorrect amounts by debt collectors. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18062356?
Consumers should carefully review all debt collection communications and dispute any inaccuracies promptly.
Are there state-specific protections for complaint 18062356?
The complaint originates from Connecticut, and state-specific consumer protection laws may also apply. This complaint was filed from Connecticut.
How does complaint 18062356 compare to industry norms?
Debt collection agencies frequently face complaints regarding communication and accuracy of debt amounts.
What constitutes a 'false statement' in debt collection?
A false statement can include misrepresenting the amount of debt, the legal status of the debt, or threatening actions that cannot legally be taken.
What does 'closed with non-monetary relief' mean for the consumer?
This typically means the issue was resolved without the consumer receiving a direct payment, but perhaps through an agreement, correction of records, or cessation of collection activity.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.