May 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: May 2, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Credit card debt

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: May 1, 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


Complaint Details:

Date of Complaint: May 1, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

Product: Debt collection
Sub-Product: Other debt

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: May 1, 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

Full Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I’ve attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it’s reporting and that’s a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 1, 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 is not yours

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 1, 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

Full Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I’ve attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it’s reporting and that’s a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 1, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: GA

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:
I dont have any affiliation or never done any business with the company. It is fraud completely & needs to be removed. Thanks so much.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 1, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MA

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

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

Full Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 2, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: TX

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


Complaint Details:

Date of Complaint: May 1, 2021

Company Official Name: PORTFOLIO RECOVERY ASSOCIATES INC

State: MD

Product: Debt collection
Sub-Product: Other debt

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

Full Complaint:
I tried to dispute debt with Portfolio Recovery Associates, LLC by requesting debt validation. A bill is not validation. I just did my initial complaint with CFPB for them to validate debt. They did not validation debt, they just send bills like previous request. I am looking for debt validation of alleged debt not bills. I did not receive the initial notification on XX/XX/XXXX. I received that notification with bills. I sent request on XX/XX/XXXX and XX/XX/XXXX for debt validation of the below items but they continue to send bills and not validation information.

-Proof of your right to own/collect this alleged debt in Maryland XXXXContract bearing my personal signature

Complaint Tags: Servicemember

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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