Debt collection -- False statements or representation -- Complaint #4539930
Complaint Overview
Complaint ID: 4539930
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 90018
Date Received: 2021-07-13T12:00:00-05:00
Date Sent to Company: 2021-07-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but XXXX XXXX XXXX reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.
Frequently Asked Questions
What is Complaint #4539930 about?
Complaint #4539930 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-07-13T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with explanation". 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.