Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I NEED HELP WITH THE CRED IT BUREAUS TO UPDATE HTIS INFORMATION AND NOW I HAVE PAID THIS COLLECTION AND I NEED IT DELETED IMMEDIATELY THIS IS WHAT THEY SENT ME THRU EMAIL : Click here to opt out of further emails to this email address. This communication is from a debt collector but is not an attempt to collect a debt. PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX. XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Account Number : XXXX Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seller : XXXX XXXX XXXX XXXX Merchant : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX : Thank you for your assistance in resolving this account. Your current balance on this account is {$0.00} *. Please retain this letter as proof your account has been settled. Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. * Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for resolving this account. Sincerely, XXXX XXXX Portfolio Recovery Associates , LLC Representative This communication is from a debt collector but is not an attempt to collect a debt. Click here to opt out of further emails to this email address. This communication is from a debt collector but is not an attempt to collect a debt. HOURS OF OPERATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR THE HEARING IMPAIRED : XXXX : XXXX COMPANY ADDRESS : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Call XXXX or write to : ATTN : Disputes, Portfolio Recovery Associates , LLC, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX E-MAIL ADDRESS : XXXX QUALITY SERVICE AVAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not happy with the way you were treated? Our company strives to provide professional and courteous service to all our customers. Contact one of our staff to discuss issues related to our quality of service to you by phone at XXXX or by e-mail at XXXX. XXXX ID : XXXX NOTICE : We are required under state law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws : COLORADO : Office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. Telephone XXXX. MAINE : XXXX number at licensed location is XXXX. Hours of operation at licensed location are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MASSACHUSETTS : NOTICE OF IMPORTANT RIGHTS : You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. NORTH CAROLINA : XXXX XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief