April 2021 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 2021, the CFPB received 4435 complaints against Portfolio Recovery Associates. Portfolio Recovery Associates ranked Number 11 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

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

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Credit card debt

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: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MI

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

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

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

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 was paid

Full Complaint:
We had an credit card with XXXX XXXX with a {0.00} credit limit. We were not using it and closed the account with a {

Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

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

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

Product: Debt collection
Sub-Product: Credit card debt

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: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MI

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

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

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

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 was paid

Full Complaint:
We had an credit card with XXXX XXXX with a {0.00} credit limit. We were not using it and closed the account with a {{{mpg_replace}}.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {00.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. Portfolio Recovery claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

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 result of identity theft

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: NJ

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

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: VA

Product: Debt collection
Sub-Product: Credit card debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Complaint Tags: Older American

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: NY

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

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

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

Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MA

Product: Debt collection
Sub-Product: Credit card debt

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

Company response:

Response Type: Closed with explanation


.00} balance to avoid further fees in XXXX. XXXX XXXX stopped communicating with us after we closed the account. In XX/XX/XXXXPortfolio Recovery put an item on our credit report claiming that we owe {00.00} on the closed XXXX XXXX card. They claim that the account was not closed and that XXXX XXXX increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. Portfolio Recovery claims that they’ve send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that XXXX XXXX secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation Portfolio Recovery has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

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 result of identity theft

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: NJ

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

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: VA

Product: Debt collection
Sub-Product: Credit card debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Complaint Tags: Older American

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: NY

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

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: FL

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

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 16, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MA

Product: Debt collection
Sub-Product: Credit card debt

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

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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