Debt collection -- Communication tactics -- Complaint #5016130
Complaint Overview
Complaint ID: 5016130
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Iowa
ZIP Code: 523XX
Date Received: 2021-12-16T12:00:00-05:00
Date Sent to Company: 2021-12-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Portfolio recovery is attempting to collect a credit card debt from a card that I used to have. The company is very aggressive with calling tactics. I have asked them before not to contact me by phone. For the last year I have received numerous phone calls throughout each day except for weekends. The phone numbers come up as an Iowa phone number but it is not always the same number. I do not believe that they are a scammer at all as they have contacted me via the mail. I've tried disputing the collection through credit karma two different times. Both times unsuccessful as the debt is valid. However I have not signed any contracts with portfolio recovery nor have I agreed to pay anything to them. That is because they are not my original creditor and I feel that I owe them nothing. I only owe XXXX XXXX as I had a contract with them.
Frequently Asked Questions
What is Complaint #5016130 about?
Complaint #5016130 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-12-16T12:00:00-05:00.
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.