Date Received: 2017-09-01T00:00:00
Product: Credit card debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: GA 302XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2656323
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.
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.