Date Received: 2018-12-08T00:00:00.000
Product: Credit card debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have sent notices by Consumer Federal Protection Bureau complaints with out any closure on two accounts that Portfolio Recovery Services refuse to provide documentation for. Portfolio Recovery Services has been ignoring my request for proper debt validation.
I initially filed a complaint XX/XX/2018 ( CFPB # XXXX ) requesting debt validation and accounting of the accounts. They did not provide either within the 30 day window. They ignored me and sent a generic letter. I also disputed this with the 3 credit Bureaus and Portfolio continues to not provide proof They are using illegal practices and policies of using mailing addresses and names on validation letters. I filled a compliant XX/XX/2018 ( CFPB # XXXX ) requesting validating and full accounting and on my accounts.
They responded with a letter addressed to someone who is not me. I do not know who XXXX XXXX is. This is another example of them showing they do not have documentation for this debt.
I also mailed a letter of dispute to them directly in XX/XX/2018 through the Postal Mail.
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State/Zip: OH 44425
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3094903
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.
