Debt collection -- Threatened to contact someone or share information improperly -- Complaint #6216681
Complaint Overview
Complaint ID: 6216681
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted you after you asked them to stop
State: Michigan
ZIP Code: 48221
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have tried several time to get Portfolio Recovery to stop communicating with me via ALL mediums. I filed a complaint with CFPB # XXXX, the company responded on XXXX XX/XX/XXXX stating : 'Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint, verified the PRA account ending XXXX XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account and found we have honored the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXXXXXX XXXX ( " XXXX '' ) XXXX credit card account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. ' As of XX/XX/XXXX Portfolio Recovery is still reporting this misleading information on my consumer report. They have not honored the request to cease all communication, the letters that they have received are dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In all of the letters mentioned I have requested cease communication with me on all mediums, included but not limited to all credit reporting agencies, telephone, mail, social media etc. Portfolio Recovery has continued to lie about what sent to me, and what laws they are following. Attached pleased find my most recent consumer reports showing that Portfolio Recovery is still communicating on my consumer report. Also please find all XXXX of the letters that were sent to Portfolio Recovery requesting them to cease communication.
Frequently Asked Questions
What is Complaint #6216681 about?
Complaint #6216681 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2022-11-17T12:00:00-05:00.
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.