Debt collection -- False statements or representation -- Complaint #7521507
Complaint Overview
Complaint ID: 7521507
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 33541
Date Received: 2023-09-08T12:00:00-05:00
Date Sent to Company: 2023-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously filed a complaint against Portfolio Recovery and they said they would investigate the issue. I had an account with XXXX XXXX that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. Portfolio Recovery stated they purchased the account from XXXX XXXXXXXX in XXXX and XXXX XXXXXXXX Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to Portfolio Recovery, showing the account was paid in full and closed on my request. Portfolio responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the Credit Reporting Agency about the original account in question against XXXX XXXX and XXXX confirmed the account was paid and closed. So Portfolio never had any intentions to stop illegally trying to collect a debt that never existed. They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. I ask that CFPB intervene at this point. XXXX XXXX has not cooperated with CFPB and Portfolio has no interest in obeying the law, but rather giving lip service. The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
Frequently Asked Questions
What is Complaint #7521507 about?
Complaint #7521507 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2023-09-08T12:00:00-05:00.
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.