Debt collection -- Attempts to collect debt not owed -- Complaint #5462532
Complaint Overview
Complaint ID: 5462532
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: Pennsylvania
ZIP Code: 15001
Date Received: 2022-04-18T12:00:00-05:00
Date Sent to Company: 2022-04-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.
Frequently Asked Questions
What is Complaint #5462532 about?
Complaint #5462532 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 2022-04-18T12:00:00-05:00.
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.