CFPB Complaint


Consumer Complaint Submission

Date Received: 2017-05-03T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: As I am in the process of increasing my credit scores to purchase a home within the next year, I came across a debt from the collection agency Portfolio Recovery Associates XXXX XXXX . On my XXXX credit reports ( XXXX XXXX XXXX ) . I have disputed this item many times myself, as well as XXXX XXXX XXXX ( which during this process it WAS removed from my report & placed back on without giving me any notice within 5 days ) only to have it still remain on my XXXX credit profiles despite my disputes. The only verification that was sent was a BILL, with missing pages, that looks like it was something in the files they received from the originating company when Portfolio Recovery Associates XXXX purchased the debt. I do not recall opening a credit card with said company. I am not admitting nor denying this debt I just want PROOF. So I sent through postal mail service, a XXXX XXXX XXXX letter to Portfolio Recovery asking for VALIDATION o f this debt. A contract, signature, amount owed, how much they ( PRA ) purchased it for etc. proving that I owe this debt, Again I was only sent another BILL with missing pages. I am now filing a complaint to have the appropriate documentation sent to me showing I owe this debt to them OR to have it removed from ALL XXXX credit bureaus within a timely manner & to NOT be placed back onto my credit reports.


State/Zip: OH 430XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2473740

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

READ  CCS Financial Services, Inc. - CFPB Complaint ID 2687630

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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