Debt collection -- False statements or representation -- Complaint #4594621
Complaint Overview
Complaint ID: 4594621
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: New York
ZIP Code: 11580
Date Received: 2021-07-31T12:00:00-05:00
Date Sent to Company: 2021-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a XX/XX/2021 dated correspondence from PORTFOLIO RECOVERY ASSOCIATES, LLC stating a debt obligation requires satisfaction. It is not now nor has it ever been my intention not to honor any debt obligation that I owe. In response to this presentment I sent a correspondence outlining the documentation and verification required of PORTFOLIO RECOVERY ASSOCIATES, LLC in order to honor this debt obligation that PORTFOLIO RECOVERY ASSOCIATES, LLC claims that I owe. I created this response on XX/XX/2021 and it is received by agent on XX/XX/2021 at XXXX XXXX via United States Postal Service certified mail tracking # XXXX XXXX XXXX XXXX XXXX. In response to my correspondence PORTFOLIO RECOVER ASSOCIATES, LLC sent a XX/XX/2021 dated letter that failed to document and verify the debt. In my correspondence I made it clear that I would require a {$2500.00} counsel fee for each time the debt collector contacted me if they were unable to document and verify the debt obligation as required by federal and state law. I believe the name of the woman during a phone conversation on XX/XX/2021 was XXXX XXXX. She claimed to represent the debt collector and she attempted to coerce me into agreeing on a recorded line that the debt in question is valid. She claimed that she would be bringing a manager to the phone line but no manager ever spoke on the line. These practices only further demonstrate that PORTFOLIO RECOVERY ASSOCIATES, LLC is engaged bad faith practices. Filing this complaint with the Consumer Financial Potection Bureau is my only recourse short of litigation to protect myself from the unfair dealings and deceptive practices of institutions like PORTFOLIO RECOVERY ASSOCIATES, LLC. In a previous complaint I was contacted by an attorney who filed a complaint with the Supreme Court against such an agency. I welcome that such an invitation if it exists in this case as well. Thank you for you time and concern in this matter.
Frequently Asked Questions
What is Complaint #4594621 about?
Complaint #4594621 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-07-31T12:00:00-05:00.
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.