Date Received: 2017-10-24T00:00:00

Product: Credit card debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.


State/Zip: GA 304XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2709244

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.

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