Recently I paid in full the balance on an account with Portfolio Recovery Associates llc. Before I made the payment, the agent said I will get a paid in full letter within 2 days on receiving the payment. Its been three weeks since I made the payment and I have not received any letter. When I called up today, the same agent said the letter was mailed out 12 days ago. I asked the agent to fax a copy of the letter. The agent said it will be faxed but declined to say when it will be faxed. The agent was very rude. I checked my credit report. It shows the amount I have paid, but also shows that there is a $1 balance on the account. Anybody experienced this before?
Please let me know how to handle this situation. Thanks in Advance.

Kry: Come to my site, and on the side is a link called 'letters for all collection needs'. It should have a letter to send them via certified mail to clear this up. Your situation is covered by federal laws. Get back to me, and let me know if you need more assistance.

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I haven't heard many collection agencies giving paid in full. Portfolio recovery associates llc usually collects on old debts. Is there any written document where they said that your account will be marked paid-in-full? You may also send a letter mentioning that you have made your last payment and also ask for a PIF (Paid-in-Full) for the concerned debt, as agreed. Else you can file a complaint with your state's Attorney General.

Hey Isle,

You're answering a thread of more than 1 year. But I liked your answer. You seem to be a knowledgeable person. Why don't you join our community?

For information sake let me add that even if a collection agency like Portfolio Recovery Associates llc gives you a PIF, it doesn't mean that the original creditor is obligated to remove the negative listing from your credit report. So, it is always desired that you negotiate with your creditor directly.
Otherwise I completely agree with our guest, Isle.

I have found some sample letters along with good information from fair-debt-collection.com which may come handy to you.

Great Information Phoenix. I'm here in this forum for quite sometime and sharing and gathering information from this forum. Yes, I'll definitely join this community. Thanks for asking.

i got a citation today because portfolio and associates are suing me for a charge off account and the original creditor was citifinancial. what do i do about this issue?

What state do you live in? When was the last time you paid on the account? What else came with the summons? More info please.

I use to work for a collection agency and they just tell you that to make you feel at ease. But in reality the statement does not come until 30days of the agency receiving the final payment.