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Many years ago I had a loss of income and came up with an agreement to pay 60% of the debt and have the rest written off. I paid all my debt as agreed and I still keep getting harassing phones calls from Portfolio for the balance that was supposed to be written off. They cannot sue me nor try to go after the balance except to keep calling and harassing me. This is terrible of a company to keep doing this even after paying off what was agreed.
I was diagnosed with Cancer in 2012 forcing me to not be able to pay bills or credit cards. I am still fighting cancer and on disability. I was given 250.00 as a Christmas with that I called Portfolio Recovery Associates (debt collected) since they have been calling 4 times a day from different phone numbers. I called about a deal on a store credit card from back in 2012. On 12/13/2018 I was told that they would accept the 250.00 as a paid as agreed and it would say paid as agreed on my credit report. I asked for a letter in stating this, and they said they don't do that, I told them that I would have to go to the bank and deposit the money.
I was told that I would have to pay it during that phone call to make sure that I don't get someone else that would not be authorized to make this deal. I told my roommate this and he authorized me to use his card, with the understanding that I would hand him the 250.00 right away and he too was told by Portfolio Recovery that it would clear the debt and would not be charged anything else. I received a letter stating that there will be recurring payments coming off the card until it is paid off. With a date of 12/14/18.
That company is 100% scam. They send me in the mail and I checked it out and what is this? Probably a debt collector wants me to pay $462.82? Really? And other thing I did not own Capital One. I tell my parents for what's going on, My mom was shocked. She said to me "Did you own a Capital one?" I was said "No I did I only have American Express serve, Card dot com and Walmart Moneycard, That's all." That company is a Scam! And one more thing, Why in the world's name they tried to sue me for? They suing me just for nothing. So Screw Portfolio Recovery Associates LLC. -_-
This company is a scam & should be federally prosecuted, they have called multiple times a day from bogus numbers, texted me, & threatened me regarding a fictitious payday loan they say I took out 14 years ago for the last 10+ years even going so far as to mail me fake legal documents requesting a settlement payment. I am certain these fraudsters convince some people to pay fake debts with these tactics. This is wrong, these filth are allowed to harass people for decades with no repercussions. Something should be done about this fake company.
So I owe debt to Portfolio Recovery Associates LLC. They ended up sending me something in the mail about a court order from Johnson Mark debt collection. I called Johnson Mark up and we made arrangements to get things paid off quickly. I had been making payments of $65 each week for two weeks then after that would be $32 every week. I had been doing so and had ask before that, "Is there going to be any legal action on my part because I don't want to get sued?" That said no as long as I make the payments and keep in contact with them if something goes wrong that they would not go any further.
I got something in the mail after making the first payment stating that I didn't go to court and it went to default in their favor and was fined another 250 extra dollars and screws up my credit even more than it is now. This is **. They never told me that I needed to go to court and that everything was fine as long as I kept paying what I needed to pay which I did and now because it went into default I can't fight it now **.
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This company is the worlds worst ever!!! 4 years ago I was paying on a CareCredit acct. I had to quit work because I had chronic COPD and couldn't work anymore... went on disability. These people called and kept calling even after they took me to court. I let them know I was on disability but they insisted that I pay what I owed... wanted me to agree to a small amount every month. They will harass you to no end. I'm so sick of their calls several times a day and always from a different # and state!!! This company is a third party that "buys" people's accounts when the debtor doesn't want to fool with trying to collect it. They can kiss my butt! I'm sorry about the debt but I live on disability now... It doesn't matter that I paid on this account religiously before having to quit work. Not happy with these people at all! They never stop!!!
These scumbags are breaking the law on so many state & federal levels - I received a default judgement because I never received my summons to court. My mailing address has been the same my entire damn life! But I didn't even find out about it until five years after the judgement when these pigs show up to collect 40% of my wages (yeah, definitely NOT applying for credit ever again. The credit industry can eat my ENTIRE **!). They garnished me when I was already desperately broke, scraping by trying to support my family- newborn baby at home. Here's the kicker though- the judgement was for a debt that was well beyond the SOL!! What kinda judge grants a default judgement for an expired debt??? I finally paid those scuzzy ** off via garnishment & IN ENTIRETY, went on with my life & then got ANOTHER BILL about 6 months later, paired with what I presume was a fake garnishment court doc or something.
Complaint Filed With The FTC: Xfinity/Phone #s. Xfinity influences COLLECTION AGENCIES to BADGER your/our home phone! How many times a day/week do you get phone calls from the likes of CBE GROUP, Diversified Consultants, Sallie Mae/Navient, MIDLAND CREDIT, Portfolio Recovery? If you're an Xfinity (Comcast) customer I bet you're up to your ears! It would be interesting to see how many people who have Comcast (Xfinity) as their phone carrier receive the bulk of these pest-calls. Xfinity must be reissuing the phone numbers of their former deadbeat customers. These 'formers' are probably in collection status. New phone customers are issued those same numbers by Xfinity and then they become the 'red meat' badgered by the myriad of collection agencies! What the FTC doing for us? SOMETHING? ANYTHING? Let's yuck it up! It's our tax money! The FTC is worthless! -- Just like the former president!
Portfolio Recovery has resorted to illegal practices! I do NOT have any debt payment arrangements with them whatsoever, nor have I ever even spoken to any of their employees. Yet they are now reporting “missed payments” on my credit report. They have now done this twice, but they were 6 months apart! I’m reporting this to the state attorney generals office, as well as the BBB and the FTC. If you are also getting this done to you, PLEASE report them for it! They can’t be allowed to break the law at our expense!
These people have been calling me for months, sometimes twice a day. I have answered two or three times but no one is ever on the line. I have no unresolved debt, my credit score is in the 800’s. I’ve blocked so many phone numbers I’ve lost track. Every time I get one blocked they call from another state with a new phone number. Why can’t these idiots be stopped? This is pure harassment.
I really wish I could give this company a rating of negative infinity stars because they are just awful. For an unaccredited company with a shady personality, PRA sure knows how to terrorize and harass everything with a pulse to obtain money; that doesn’t even actually belong to them. The audacity. I am a college student, currently away from home, and my parents were the ones to be served. I absolutely despise their tactics to latch on to people for their own gain. I did not even hesitate to file my response with the court. I mean, you send the deputy to my door and you have the nerve to not include any sort of financial documents, or even a warning? The summons is vague and I just must say, not only do I not owe a penny to PRA, the “debt” they are proclaiming that I have was in 2016.
I would have been fooled, but it appears they have changed the date they blessed me with their presence within my credit report from 2016 to 2017. I filed a dispute against them, and they not only added a derogatory remark on my credit report, what was originally resolved is now “resolved, customer disagrees”. I disagree with PRA alright. This company needs to be shut down. It is fraudulent, and it is intrusive to human rights across the board. With all I have read, I can only assume this “company” is not actually a company, rather it is a bunch of individuals whom seek pleasure by terrorizing others, and I bet they all work from home. They are definitely fraud.
I literally tried to resolve a small debt, they gave me nothing but trouble and harassed me for months. I called with a financial advisor on the line and was still denied help! The employees use scare tactics and threaten to sue me. This company would yield 0 stars but I can only give one. I wish everyone luck when trying to deal with this collection agency! Capital One should be reprimanded for utilizing a collection agency like this one!
They kept calling me on a debt they claim was from Wells Fargo. Some from 1999. This was in 2012-2015. Called almost every day, so I got a phone that blocked their calls, then they started with mail. There was no explaining to them that the statute of limitations was four years in California, and not only had we been with Wells Fargo since 1983, we had a Visa Platinum Card, and our mortgage was with Wells Fargo. Nor did they understand when I told them to pound sand! I guess there enough numbnuts out there that do fall for it, they continue and hope they can fish another one.
For the last year, these people keep calling and misgendering me on recorded lines. I have made it clear that they do not have permission to record me, but they continue. I owe the debt that they are trying to get me to pay and have made it clear that I am happy to pay it, but I have simply asked them to put me on unrecorded lines. They say that they can do this, put me on hold to get an unrecorded line, and then after 10 minutes they always tell me that they will "have to call back on an unrecorded line later".
Every week I get a new call, "Hi. I'm calling on a recorded line, can I talk to, sir?" and I say "Hi. You don't have permission to record me, and I would like you to note in my account not to refer to me as sir or with other male-gendered phrase." And they say okay. I get the same call at least weekly for the last year, and they don't do what they say they'll do. I've been happy to pay the debt this entire time, but they never gave me the option to.
I recently searched around for their site and found out that you can sign into their site to pay the debt, which seems a lot nicer since nobody is harassing me in the process. It would be good to know where they are calling from, because - depending on where - some of the harassment here is illegal. I'm pretty sure that calling me on an unrecorded line after I have said they don't have permission to record me is illegal as well, but not 100% sure on that one.
Received a call today regarding accounts in collections. I admit to the debt, but the agent who took the call, after someone called and didn’t leave a message could not answer my questions. She self reported in her script that Portfolio COULD NOT report to the credit union, nor could they sue for the debt. I asked the lady why it was on my credit report if they were not granted permission to report to credit bureaus based on their company policy. No response. Sticking to the script. She advised that I should dispute my credit report, she then proceeded to get her supervisor on the phone after I told her I had recorded her statement and would be disputing.
She was furious and stated that she didn’t give permission to be recorded. In my state, it only requires one person of the two to be aware of the recording. Hey she was recording me! I then asked how much they would be able to settle all accounts for. It was probably around 10-12%. I told them no thanks. All of a sudden they all started laughing on the phone, because that is professional... I told them I would be consulting an attorney and they could call someone else on a Saturday morning and hung up. If you can’t sue and you can’t report to the credit bureaus then why is it there? Done with this company. I’ll call the original creditor and settle with them. It’s clear that this company is a joke. Please feel free to advise on who to report them to. I’m over it.
These company calls daily and never leaves a voicemail. I tried answering the call twice and no one speaks. I have filed a complaint with FCC, but have received no response. I have blocked the numbers of each call, but they continue to call use new phone numbers.
These people are the worst ** ever. Over a micro-sum of $400 borrowed from Target on their opening credit card 8 years ago, PR has been plaguing me all this year almost every day, 2 or 3 times a day. I have never experienced any other company so persistent other than Target themselves after I couldn't pay it back initially on losing all our income for several years. I blocked them on my phone and yes their calls continue. How many numbers do they have to harass us over those $400? I am the wiser having read the other reviews here and will continue to block their numerous phone calls.
Debt collectors. They called me today. I don't answer calls I don't know. Everyone needs to be aware that this company has been fined by the Consumer Financial Protection Bureau. Everyone needs to file complaints with this place. They are violating their agreement. And also file complaints with your attorney general's office in your state. Also record every conversation you have with these people. Get incoming and outgoing call abs for your phones. These abs record every call made by you and every call coming in to you.
About a year ago my father received a call from this firm claiming to be looking for me. My father has never co-signed any debt I have ever had. I have never lived with him or shared a phone number. In the last six months this firm called me twice, claiming to be collecting on a CC outstanding from 7 years ago. The CC is not outstanding but was a story in and of itself - I hate debt and I had obtained it and used it sparingly just to avoid having a thin file, never had a balance over $160, and got sick of the pointless exercise of having a card just so that my file would show that I had availability - one more little bill to mail, account to check, bank to deal with, etc... and the junk mail, marketing calls etc...
Then after I'd had the card for a few years they started calling me the day after the bill would come. The bill would come on Wednesday, either $0 or $160 or in between, due the following Friday, so I'd put it in a tray I keep for coupons, bills etc... to deal with on Saturday morning, and then on Saturday morning I'd mail the payment out on my way to the supermarket, a week before it was due - plenty of time to get there. And I've always done that. But they started calling me on the Thursday asking me when I planned to make the payment - - which wasn't due yet. I found this to be annoying and intrusive, and potentially embarrassing since I didn't live alone and this could look like they were dunning me. I asked them to stop, they couldn't explain why they were doing it, they said they would stop, but they didn't.
And then in month three of this, they called BEFORE THE BILL HAD EVEN COME. So I called the number on the back of the card, got the present balance, asked to pay by phone from my checking account and to close the account - and did so. It was about $155. Two days later they called AGAIN and said their system screwed up and they needed re-authorization. So I gave it to them, stayed on the phone, and they said it finally did go through and that's it, I never had to deal with them again. THEN the statement came - and I noticed that they'd been charging me a few dollars per month for "credit insurance" for which I'd never signed up. So I called and lodged a complaint, and they said they'd look into it, and about a year later they sent me a check for the amount they had overcharged me. It had been five dollars a month for 15 months, $75. No interest or anything. Huh. But fine - I never heard from them directly otherwise.
But a few years later, every few months someone calls claiming to be calling for Capital One, and quoting a different balance every time. One caller asked my girlfriend if she could make the payment, which they said was four hundred and some odd dollars. This would be illegal even if I actually had a debt - you can't ask someone else to pay it. I took the phone, pointed this out, and they hung up. Then the calls stopped for a number of years. I do not recall what the caller ID said or what outfit the caller claimed to be with.
But now this, with Portfolio Recovery Associates. First they call my father, who lives in a different state at an address and phone number that were never mine, were never associated with this or any other account. And my father has never co-signed or guaranteed any debt I've ever had. But they called him. Not me. They called him claiming to be looking for me. To call him, they would first have had to look me up on Lex-Nex, where my contact information is right there on page 1 of my report (I used to collect for a living and while I wasn't supposed to do so, I looked myself up). The list of possible relatives is about 4 pages in, and then I believe that if you click on him you get his address (I didn't look him up - I'd looked up actual debtor, who had actually skipped, for my job eight years ago and that's how it worked).
Also, I live at the same address with the same contact info that I had when I had the CC. They didn't call me for many months thereafter. And the first time they said I owed seven hundred dollars and change. I told them, "Look. I don't have this card, I paid it in full seven or so years ago, by phone, they acknowledged the payment and closed the account, and I have never since heard from them other than offers to open up a NEW account, which I've burned in the fireplace." They said, "Well our records show differently." I said, "Don't call again." But they called - today, which is a few months later. And now they say I owed six hundred fifty dollars. So, how would the balance have come DOWN? How do they have different info than the last time they called? Why did they call a relative first? I called them back when I'd missed the call - it's definitely them.
How do they make money? What exactly is their business? How do they operate? What do they do - look random people up on Lex-Nex, see that they once had a CC with a bank, and call the person - and his relatives - many years later claiming that there was still an outstanding balance - without even deciding what dollar amount they were going to claim was owed? Who actually makes a payment to these people? How are they able to do this without being shut down? How does this even work - who would just say "duh ok, I'll send money."
This is also the second time I have had this experience with PRA calling on a CC that I had many years ago paid off. They called my parents - both of them (they're divorced) - in 2006 on a card I had paid off in November 2004, just after MY divorce settled -- BofA. I called BofA to confirm that my account had been paid off. Then they called ME like eight years later also claiming to be calling on a BofA CC. I again called BofA which confirmed that I had no debt outstanding with them - very nice lady actually. Then they sent me a letter -- with completely different information -- address that was never mine, name spelled differently, charge-off date six months after I'd paid the account off. Oddly enough, they never called again after sending me the letter. PS neither CC is or was on my Experian. But PRA is. Who are these guys and where do they get their "info?" And how do I get PRA off my Experian?
When I settled my account in March 2018 they wouldn't give me a settlement letter sent me to, a dispute dept I have made several attempts to get this letter. I have a lawyer, but this doesn't seem to bother them. He made several attempts when before I made the settlement and was given the run around by them and their attorney doesn't work with my lawyer. They seem to think consumers have no rights and don't have to work with them. I finally had to threaten them to take them back to court to explain to the judge why I haven't received my letter, I received it the following day thru my lawyer May 4 2018, report this debt collection agency to everyone you can because they are sloppy, don't work with the consumer at all. They think they have to answer to no one.
I called Portfolio Recovery and was told that my account was zero and it was discharged through the bankruptcy. I asked the lady why is there a lien on property and the women couldn’t answer me. The lien was placed in 2010 and I just found out about it two days before I was going to close. She transferred me to the bankruptcy department where I spoke to Barbara, she is not helpful nor is she nice. She couldn’t give me no information and told me that they only have two paralegals that handle these cases and it will take 3 or 4 weeks to determine if the lien will be released or a settlement offer is provided.
My realtor, lender, and title company called to see if we can get it resolved immediately and she said they are backlogged and it’s nothing she can do about it and was irritated that we kept calling. I don’t understand why it take so long to resolve a dispute which we think it could have been resolved with a phone call. She wouldn’t let me speak with a paralegal or a manager. What type of service deny you to speak with a manager. It’s sad that companies can get away with this type of service. This issue is affecting me, the buyer of my condo and the seller of the townhome I am buying. It’s very upsetting that people aren’t willing to help.
This debt collector is collecting a debt for Synchrony Bank. One of the lowest forms of low in existence. So to me this debt collector must be right down there with Synchrony. I had a Lowe's card. Always made my payments. I was down to about 400 that I owed, Synchrony decides to lower my limit, so putting me over. Now comes the fun, interest upon interest charged. So I said enough... and when they were done they had me up to almost $1000. Now this joke of a law firm wants me to pay. I know Synchrony is paying a lot more than $1000 in cost for this. I have read so many reviews all saying the same as my story. What I want to know is why someone doesn't stop these lowlife crooks?
They were calling my husband several times a day for what reasons I don't know, but very creepy. He finally answered and told me they were looking for me. I called them to ask them what this was about, they claimed I owed Capital One Bank $3,000 for an old credit card. Considering I have a current credit card & bank account with Capital One Bank both in good standing and credit limits that do not match the figures the rep presented, this is obviously BS. I also get credit alerts & identify theft alerts sent to me immediately via email and text if there's anything I need to review, and I've never seen anything on my credit from these people.
They also tried to tell me they had 2 other account in my name, which also conveniently did not exist on my credit report and never did. I told them to quit calling me and that the debt they are calling about does not belong to me, regardless if they have the last 4 digits of my social security number or not. I'll be making note of the times and dates they called, I saw that someone else on here said they were sued recently. I may consider doing so myself.
I was constantly harassed over a disputed false debt. They called 1,000 times usually 30 times in a row in 15 minutes! I changed my phone number 4 times. It continued all hrs of the day and night. Laughing at me with each call!! They passed said bill to attys in Marietta, GA cooling and winter attys, a debt collection law firm. They harassed me. Brought it to my local court. I. Foolishly agreed to pay 2,000 and did so they have ** bookkeeping and called wanting more money AFTER it WAS paid in full, I sent my faxes with proof it was paid. They transferred the new false amt due (completely contrived), to a new collection law firm!! Go figure!! Shysters all, of them!!! A lawsuit is all they will understand!!!
Be careful with debt collectors. If you have to deal with them keep track of every payment & document it date & all when was sent, etc. If you can pay off the debt in full do it if you can. The less you have to deal with it the better. These places buy debts for pennies on the dollar. Don’t let them intimidate you. They make a commission off the debts. Just be careful when dealing with a debt collector. Like I said document everything including payments. Don’t let them get the upper hand.
I have no debt. I haven't had a mortgage in many years. I haven't carried a balance on any credit card in many years. Haven't carried a balance over a few hundred dollars in 13 years, and I paid that balance in full - even confirmed this with the creditor after it had cashed my check. After this, I continued to live at the same place for many years. This former creditor had my address and number and never once contacted me apart from sending advertisements to get another card. I moved many years later - and many years have since passed.
I work, and I have had the same contact info for many years. It is on LexNex and Experian - which all legitimate collection firms have (I used to collect for a living). My current contact info has been in both LexNex and Experian since it became my contact info nine years ago. I have no debt for anyone to be looking to collect. And if a legitimate creditor or collector wanted to find me, it would take about 30 seconds to do so. This company called my father today claiming to be looking for me. The name of the firm and its website indicate that it is a debt buyer. You're not allowed to call relatives claiming to be looking for someone if you have their contact info or access to it. This is definitely a scam.
Portfolio will lie and cheat to tell you what you want to hear. If you pay them off or even make installments they will hurt your credit at least 20 points. When you call them back to ask why? They say that they are not trained on credit issues. Total fraud. If you pay in full, make payments or don't pay them it will be on your credit for 7 years. Do your homework. Don't let this company fool you.
I am paying monthly to these people more than my minimum payments. I was using their website to pay. But no more. Now they fail to let you know. That when you pay online it starts an automatic monthly payment against your checking or debit card. I called them to stop this. They said I agreed to it. **. This company needs to stop this.
I had a credit card with Capital One and they sent it to PRA for collection (due to a system issue on Cap One side and I wasn't informed about it). God, I have never spoken to anyone more idiotic than the ones that work at PRA, Norfolk. They keep saying they can't reveal the information I am asking for when it's my account and I am the one who's gonna pay off the debt. They kept saying the same crap phrase - 'You will be provided the information in accordance to the account under collection' but never would say what's required to proceed with the next step. A bunch of fools! Pathetic people, am wondering how they live with themselves.
Had a really hard time with these guys. I sent them a written response and received the same information that they told me on the call. Then, I googled out some contact information and sent a letter directly to a higher authority and only then they sent me the account statement. Finally, had a call with one of those ridiculous fools and settled up my account. Phewww, one hell of an experience it was!!!
I called Ally this week to get the payoff on my auto loan and was told the loan was sold. They provided a number which I called multiple times requesting the new account number and address of where to mail the payment. I received no return call. I did obtain another number and called, but after receiving no callback, I finally got a live person this am. They refused to provide an address and told me I need to call after 11am CST. My payment is due by the end of the month and needs to be in the mail today. This is unacceptable. My loan payments have always been on time and I have been attempting to get the address to mail my payment since 10/25.
Portfolio Recovery Associates, LLC Company Information
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- Portfolio Recovery Associates, LLC