Debt collection -- Written notification about debt -- Complaint #19038459
Complaint Overview
Complaint ID: 19038459
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: Texas
ZIP Code: 79416
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT # XXXX PORTFOLIO RECOVERY ASSOCIATES ( PRA ) ACCOUNT # XXXX XXXX XXXX XXXX Collector : Portfolio Recovery Associates Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX Complaint Summary Portfolio Recovery Associates is reporting a collection account without providing legally required validation. Disputed Account Account Number : XXXX Amount : {$630.00} Status : Collection account. {$630.00} past due as of XX/XX/2025. Original Creditor : XXXXXXXX XXXX XXXX Violations Failure to validate ( FDCPA 809 ( b ) ) Reporting unverifiable information ( FCRA 623 ) Failure to perform a reasonable investigation ( FCRA 611 ( a ) )
Frequently Asked Questions
What is Complaint #19038459 about?
Complaint #19038459 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
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.