Debt collection -- Attempts to collect debt not owed -- Complaint #4762755
Complaint Overview
Complaint ID: 4762755
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: Ohio
ZIP Code: 44124
Date Received: 2021-09-28T12:00:00-05:00
Date Sent to Company: 2021-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.
Frequently Asked Questions
What is Complaint #4762755 about?
Complaint #4762755 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 2021-09-28T12:00:00-05:00.
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.