Debt collection -- Written notification about debt -- Complaint #7626750
Complaint Overview
Complaint ID: 7626750
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Virginia
ZIP Code: 23321
Date Received: 2023-10-01T12:00:00-05:00
Date Sent to Company: 2023-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within XXXX XXXX, or any verification of these alleged debts from Portfolio Recovery which is a violation of FDCPA. Portfolio Recovery has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Portfolio Recovery, nor any party that Portfolio Recovery claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Portfolio Recovery remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Frequently Asked Questions
What is Complaint #7626750 about?
Complaint #7626750 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-10-01T12:00:00-05:00.
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.