September 2019 Complaints Against Portfolio Recovery Associates

Compiled from Public Data by FairShake

If you have an issue with Portfolio Recovery Associates, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 2259 complaints against Portfolio Recovery Associates. Portfolio Recovery Associates ranked Number 14 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: September 18, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: CA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.

This debt was not removed from my credit report during any verification process.

Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.

They have not provided any documentation with my signature or a contract.

Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn’t think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.

This is not my account and this is not my debt.

I am attaching a copy of their verification documents they sent me.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 18, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MI

Product: Debt collection
Sub-Product: I do not know

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 18, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: CA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
XX/XX/2016, a XXXX XXXX XXXX XXXX account was opened in my name, in the amount of {0.00} This account is now with a 3rd party company, Portfolio Recovery. This is a fraudulent Acct.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 17, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Other debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 17, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: CA

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 18, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: GA

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Full Complaint:
XXXX XXXX AND PORTFOLIO RECOVERY have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES.

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears.

Any help in this matter will be appreciated.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 18, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 17, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: I do not know

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: September 19, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Full Complaint:
Portfolio Recovery — — I am not aware of this debt I would like this debt validated or removed from my credit report.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 17, 2019

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Other debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged

Full Complaint:
Portfolio Recovery Association representing XXXX XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {00.00} XXXX XXXX XXXX XXXX.

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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