Debt collection -- Written notification about debt -- Complaint #9777158
Complaint Overview
Complaint ID: 9777158
Company: Portfolio Recovery Associates, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Wisconsin
ZIP Code: 53143
Date Received: 2024-08-11T12:00:00-05:00
Date Sent to Company: 2024-08-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, I am writing to file a formal complaint against Portfolio Recovery Associates ( PRA ) for attempting to collect a debt from me in Wisconsin without being legally licensed to do so. Their actions have violated my rights under several federal and state consumer protection laws. Details of the Issue : XXXX. Unlicensed Debt Collection : PRA is not licensed to collect debt in the state of Wisconsin. According to Wisconsin state law, any entity engaged in debt collection must be licensed by the XX/XX/XXXXDepartment of Financial Institutions. PRA 's failure to obtain this license renders their collection efforts illegal under the Wisconsin Consumer Act ( Wis. Stat. 421.301 ( 9 ) and Wis. Stat. 427.104 ). XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : PRA has engaged in practices that violate the FDCPA, including : 15 U.S.C. 1692e : Making false or misleading representations regarding their legal right to collect the debt. 15 U.S.C. 1692f : Using unfair practices by attempting to collect a debt without proper licensing. 15 U.S.C. 1692g : Failing to provide proper validation of the debt upon request. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : PRA has provided inaccurate information to credit reporting agencies, damaging my credit report. They failed to : 15 U.S.C. 1681s-2 ( a ) : Ensure the accuracy of the information reported. 15 U.S.C. 1681s-2 ( b ) : Investigate and correct inaccuracies after I disputed the debt. 4. Violations of the Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 : PRAs actions constitute unfair, deceptive, and abusive acts or practices ( UDAAPs ), violating the CFPA. The CFPBs prior actions against PRA, including significant penalties for similar practices, underscore their continued non-compliance with the law. 5. Violations of the Telephone Consumer Protection Act ( TCPA ) - 47 U.S.C. 227 : If PRA has used automated calls to contact me, they may also be in violation of the TCPA, which restricts the use of automated dialing systems and prerecorded messages. I request that the CFPB take immediate action to investigate PRA 's illegal collection practices and enforce the necessary penalties.
Frequently Asked Questions
What is Complaint #9777158 about?
Complaint #9777158 was filed against Portfolio Recovery Associates, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-08-11T12:00:00-05:00.
How did Portfolio Recovery Associates, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.