Debt collection -- Written notification about debt -- Complaint #18638307
Complaint Overview
Complaint ID: 18638307
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: California
ZIP Code: 90063
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'On XX/XX/, I sent a formal debt validation request via Certified Mail to Portfolio Recovery Associates (PRA) regarding a collection account from XXXX XXXX XXXXPRA received this request on XX/XX/XXXX (USPS Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX. As of today, PRA has failed to provide any of the requested validation documents (original contract, itemized accounting).\n\nThe Violation: Despite failing to validate the debt, my credit report shows that on XX/XX/XXXX, PRA updated this account as "Verified."\n\nUnder FDCPA Section 809(b) [15 U.S.C. 1692g(b)], a debt collector must cease all collection activityincluding reporting to credit bureausupon receipt of a dispute until they mail verification to the consumer. By updating this account to "Verified" without first providing the required validation, PRA is in direct violation of the FDCPA\'s "Cease Collection" mandate.\n\nPattern of Willful Non-Compliance: PRA is currently operating under a XXXX CFPB Consent Order (File No. XXXX-CFPB-0002) for similar violations, specifically regarding the failure to substantiate debts and misrepresenting that they would provide documentation within 30 days. Their actions in my case demonstrate a continued disregard for federal law and this standing Order.'
Frequently Asked Questions
What is Complaint #18638307 about?
Complaint #18638307 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
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.