Debt collection -- Attempts to collect debt not owed -- Complaint #4622248
Complaint Overview
Complaint ID: 4622248
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: California
ZIP Code: 91764
Date Received: 2021-08-11T12:00:00-05:00
Date Sent to Company: 2021-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.
Frequently Asked Questions
What is Complaint #4622248 about?
Complaint #4622248 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-08-11T12:00:00-05:00.
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.