CFPB Complaint

PORTFOLIO RECOVERY ASSOCIATES INC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-01-09T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to XXXX as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from XXXX stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue and contact Portfolio Recovery ( XXXX ) to report. On XX/XX/XXXX, I sent a letter to XXXX. On XX/XX/XXXX, I received receipt the letter was received. However, XXXX sent a letter stating the balance was XXXX and remained on my credit report. This is a problem with these companies have. Not only do they disrespect the process victims of ID theft have to go through.

Company: PORTFOLIO RECOVERY ASSOCIATES INC

State/Zip: VA 221XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2776390

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.

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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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