Date Received: 2018-10-30T00:00:00.000
Product: I do not know
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: This letter is in response a letter dated XX/XX/2018 from Portfolio Recovery Associates, LLC claiming I owe them XXXX.
The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Portfolio Recovery Associates, LLC this amount.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: MD 207XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3060131
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.