Debt collection -- Took or threatened to take negative or legal action -- Complaint #5991719
Complaint Overview
Complaint ID: 5991719
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Texas
ZIP Code: 78577
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX is original creditor. Last purchase was on XX/XX/XXXX. Last payment was on XX/XX/XXXX. Portfolio Recovery and XXXX acquired on XX/XX/XXXX. Portfolio Recovery and XXXX hired law firm XXXX XXXX XXXX ) to sue me. XXXX XXXX XXXX signed Default Judgement on XX/XX/XXXX. Based on this information Portfolio Recovery and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; all violated my rights and the following laws : violations of Section 392.307 of the XXXX XXXX XXXX : Failure to Notify the Consumer of the limitations period has expired & Title 12, Section 1006.26 of the Code of Federal Regulations : New rules from the XXXX Consumer Financial Protection Bureau prevent debt XXXX from suing or threatening to sue over time-barred debts. I formally request that Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, State of Texas XXXX XXXX XXXX XXXX XXXX stop any and all attempts to collect on this debt, rescind/vacate/set aside ( cancel ) Default Judgement immediately. Portfolio Recovery Associates XXXX XXXX XXXX acted in bad faith and failed to notify me of the statute of limitations while the law suit was at court.
Frequently Asked Questions
What is Complaint #5991719 about?
Complaint #5991719 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-09-17T12:00:00-05:00.
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.