Debt collection -- Attempts to collect debt not owed -- Complaint #5730932
Complaint Overview
Complaint ID: 5730932
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: 92804
Date Received: 2022-07-03T12:00:00-05:00
Date Sent to Company: 2022-07-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent Validation of debt letter to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/22 which they received on XX/XX/22. In the letter i asked for a number a verifiable documents that would prove that their company was authorized to collect this alleged debt as well as a signed contract between me and the original creditor and a signed agreement between me and PORTFOLIO RECOVERY ASSOCIATES which grants them authorization to collect this alleged debt. They have not provided that information. I also stated that if any of my verification requests were not completed entirely, they their claim and or response would not be accepted. They did NOT sufficiently validate this debt.Their company responded with statements that had balances that did not match the amount they are collecting. Also, in their initial response they had a statement that read : " THIS IS A COMMUNICATION FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT '' which is illegal according to 12 CFR 1006.18 ( E ). The original amount they are collecting is {$1100.00} but the amounts on the statements are {$1300.00} and {$1300.00}. They are in violation of a number of laws according to the FDCPA. VIOLATIONS 12 CFR 1006.34 ( C ) ( 2 ) ( VII ) - NO ITEMIZED DATE PROVIDED 12 CFR 1006.34 ( C ) ( 2 ) ( VIII ) - AN ITEMIZATION OF THE CURRENT AMOUNT OF THE DEBT REFLECTING INTEREST, FEES, PAYMENTS, AND CREDITS SINCE ITEMIZATION DATE. 12 CFR 1006.34 ( C ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUNT CONSUMER PROTECTIONS 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR 1006.34 ( D ) ( 1 ) FORM OF VALIDATION DISCLOSURE 12 CFR 1006.18 ( E ) DISCLOSURE REQUIRED
Frequently Asked Questions
What is Complaint #5730932 about?
Complaint #5730932 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 2022-07-03T12:00:00-05:00.
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.