Portfolio Recovery Associates, LLC Complaints
debt collectorPortfolio Recovery Associates, LLC is a debt-buying and collections company that purchases and collects on portfolios of defaulted consumer receivables, including credit cards. It is a subsidiary of PRA Group, Inc. (Nasdaq: PRAA), which is headquartered in Norfolk, Virginia, was founded in 1996, operates internationally in Europe and Latin America, and has been publicly traded for over 20 years.
Portfolio Recovery Associates, LLC had 431 complaints this week, compared with an 8-week baseline average of 422.1 per week, or 1.0x its own baseline, a status labeled Near baseline. Top complaint products this week were Debt collection (363), Credit reporting or other personal consumer reports (60), and Credit card (6). Complaints answered on time this week were 100.0%, while 1.1% across 65626 total complaints ever filed received an untimely response. Among debt collectors by spike ratio, it ranked 2 of 7 this week, compared with an average spike ratio of 0.9 across all tracked debt collectors.
Category average spike ratio this week (debt collectors): 0.9x — see the full category ranking.
12-week complaint volume
Week ending 2026-06-15 through 2026-08-31 (14-day lag buffer applied).
Spike ratio across tracked runs
9 recorded runs, 2026-07-14 through 2026-09-08 — this week vs. that run's own 8-week baseline each time (same spike-ratio math as above, tracked over separate runs of this site's data pipeline rather than within a single build). See How it works.
Top complaint products this week
Responsiveness & resolution this week
How Portfolio Recovery Associates, LLC's complaints were resolved this week:
"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.
Complaints from Older American / Servicemember consumers
3.9% of Portfolio Recovery Associates, LLC's complaints this week were self-tagged by the consumer as coming from an Older American and/or Servicemember household (category average this week: 5.3%). This reflects who is filing complaints, not a finding about Portfolio Recovery Associates, LLC's conduct toward these consumers — see How it works.
What customers are saying
Narrative word cloud not yet generated for Portfolio Recovery Associates, LLC — currently built for the highest-volume companies only. Why.
Consumer language tone
Tone data not yet generated for Portfolio Recovery Associates, LLC — currently built for the highest-volume companies only, from an occasional standalone pull, separate from this build. Why.
Distinctive complaint themes
Narrative terms that come up disproportionately more often in Portfolio Recovery Associates, LLC's complaints than across the CFPB database as a whole (score = how many times more common here than the industry-wide baseline — see Trends & records for that baseline). A word-frequency signal from a sample of 3,000 narratives, not a finding about the cause of any complaint.
- pras 412.35x
- recov 320.24x
- assoc 155.16x
- pra 137.63x
- portfoliois 55.26x
- unbroken 48.89x
- cxx 42.51x
- disagrees 36.66x
- evidencing 27.63x
- chain 27.18x
Where complaints go: product → issue → outcome
Complaint flow not yet generated for Portfolio Recovery Associates, LLC — currently built for the highest-volume companies only. Why.