Debt collection -- Attempts to collect debt not owed -- Complaint #8061461
Complaint Overview
Complaint ID: 8061461
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: Texas
ZIP Code: 756XX
Date Received: 2023-12-26T12:00:00-05:00
Date Sent to Company: 2023-12-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I would to dispute the collections account for Account Card # Endimg in XXXX The Collections and account status is Disputed because their were unauthorized transactions on the account. The unauthorized transaction was a transaction With XXXX, Another Card was used to complete the transaction. XXXX cards were charged for the one transaction. The Bank Statement of the Bank used to pay XXXX XXXX is attached. The same card was used to make the purchase from XXXX : Transaction XX/XX/23 XXXX Debit : Signature XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$45.00} The transaction with the XXXX XXXX XXXX is suspected denied for low balance and a second card the XXXX XXXX was used. The card was lost and returned by the XXXX XXXX The transaction did not involve unpaid credit, the account status is incorrect, payments were on time exhibited on the Bank XXXX. The Collections were removed, the account was resolved previously. The account was resolved The Balance is incorrect, the balance is {$450.00}, more than the original amount credited to the Cardholder.
Frequently Asked Questions
What is Complaint #8061461 about?
Complaint #8061461 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 2023-12-26T12:00:00-05:00.
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.