Debt collection -- Attempts to collect debt not owed -- Complaint #7075042
Complaint Overview
Complaint ID: 7075042
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Georgia
ZIP Code: 30701
Date Received: 2023-06-05T12:00:00-05:00
Date Sent to Company: 2023-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX was paid twice, second time in XXXX. XXXX XXXX credit card supposedly sold to Portfolio Recovery Associates LLC XXXX. XXXX XXXX admits debt was paid. They are lying saying they contacted me in XXXX and are negatively affecting my credit score. They never contacted me in XXXX and the debt is originally from XXXX. Paid in full for the second time in XXXX when i did the mortgage for my house. Extortion because i started trying for a new mortgage and they sent me this letter and started reporting to credit again. Its so old it shouldn't be on my credit report or able to be collected. Especially when it is paid!! They don't even have any original paperwork showing a debt was ever owed. It is showing on my credit as paid in full but negative. XXXX XXXX bank agrees its paid. the address for Portfolio Recovery is XXXX XXXX XXXX XXXX Va XXXX
Frequently Asked Questions
What is Complaint #7075042 about?
Complaint #7075042 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 2023-06-05T12:00:00-05:00.
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.