CFPB Complaint

PORTFOLIO RECOVERY ASSOCIATES INC – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-05T00:00:00.000

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.

Company: PORTFOLIO RECOVERY ASSOCIATES INC

State/Zip: NC 282XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3065852

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.

READ  PORTFOLIO RECOVERY ASSOCIATES INC - CFPB Complaint

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