Portfolio Recovery Associates, LLC Reviews

PRA are garbage debt collectors who will try and sue you without providing any debt validation to you. They been sued multiple times and I plan on filing a counter suit against this garbage company for harassment.

Garbage debt collector that will take your money and disappear. If I meet the 2 guys who found this garbage company, I will definitely tell them the truth about their scam operations.

This is nothing but a junk debt collector! They are not the original creditors. Please DO NOT send them any money! They just place junk debt on your credit report WITHOUT Validation of the debt! Not my debt! Very bad reputation!

Shady company that uses illegal practices to attempt to collect debts. They called me more than 20x a week. Threatened to sue me while cussing me out..then went and actually sued me while I was healing from a surgery. Currently they just reopened and reaged one of my accounts to continue to affect my credit report negatively..

They lie! Don’t pay them anything. Even you pay them they will not remove the trade line even though it says on their website that they will remove it after 30 days. I paid the account for the agreed amount…

I had an excellent experience with Karen on 9/3/25. She was super polite and professional. At the beginning, I was scared to call but she relaxed me with her soft voice and kindness. She explained very clearly the process in a very calm manner. I’m glad to have call and make arrangements without any issues. Thank you Karen, you have a blessed day and for helping me out. I am so relieved now.

If there were zero stars I would mark that! The so-called customer service reps, the so-called supervisors... Are not nice, unwilling to work with you, don't return your calls and then put a lawsuit against you when you have tried on numerous occasions to reach a settlement with them. They are a horrible company with horrible practices.

I received a call and they said that I'm behind in payment on my credit card for $680 dollars and I would have a lawsuit against me, so they were trying to collect the payment. Something funny that I'm not behind in payment and also I just have $200 to payout my credit card. :/ I have no business with them and I'm concerned how they get my number and my address...

They garnished my wages and placed a lien on my house. They took more money than I owed and extended my garnishment by 6 months. I wrote to them with proof of overpayment twice and they still stole over $1000 from me and hasn’t lifted the lien on my house. It’s been over a year now and nobody at Portfolio has addressed my issue. Even the Sheriff's department. I’m in California and the bay area location has ripped me off despite the fact that I have evidence and have sent it numerous times seeking to get my money back and lien taken care of.

THIS IS A A SCAM!! Please be careful everyone! If they say you have a debt from a credit card, Call the credit card company itself and ask them if you have an account that’s in collection. That’s what I did. And I was told that I Do NOT have any collection on file. Please do some research before you pay anyone. And if you do owe any credit cards pay them directly. Not the collectors. 👍🏻