Debt collection -- Communication tactics -- Complaint #6230545
Complaint Overview
Complaint ID: 6230545
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Florida
ZIP Code: 321XX
Date Received: 2022-11-21T12:00:00-05:00
Date Sent to Company: 2022-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information. On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat. Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications. Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.
Frequently Asked Questions
What is Complaint #6230545 about?
Complaint #6230545 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-11-21T12:00:00-05:00.
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.