Portfolio Recovery Associates, LLC
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Portfolio Recovery Associates, LLC

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Last updated: Dec. 12, 2017

104 Portfolio Recovery Associates, LLC Consumer Reviews and Complaints

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Verified Reviewer
Original review: Dec. 12, 2017

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.

Verified Reviewer Verified Buyer
Original review: Nov. 28, 2017

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!!!

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Verified Reviewer
Original review: Oct. 27, 2017

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.

Verified Reviewer
Original review: Oct. 24, 2017

In 2016 I became involved in a class action suit against PCA and we won a settlement. I received about $46. Now they are again attempting to collect a debt that was paid in full last year. Calls are daily, and they do not want to hear or acknowledge that the debt has been paid and that we won a lawsuit against them. It is almost like they expect double payment! These folks should be put out of business!!!

Verified Reviewer
Original review: Aug. 16, 2017

Portfolio Recovery is trying to collect on a debt that is over 10 years old. The Arkansas statute of limitations on a written contract is 5 years but they are still try to collect it from me. I have sent them a letter without implying that I own the debt stating the Arkansas law.

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Verified Reviewer
Original review: Aug. 10, 2017

They have called my mother every day for 2 weeks, we block robocalls, so they call right back from a different number. My mother had a stroke and cannot speak, told them this with every call and asked for written info to send POA to so we can handle the situation, they will say they need to speak with her to get permission to talk to me. SHE CANNOT TALK! They want me to fax them the POA with the account number, which I don't have and they won't give to me. Spoke with a supervisor, that was a joke. I used to be a collector so I know the rules and I know the games. They can keep calling, but until I get proof of what she owes and why, they are not getting one dime.

Verified Reviewer
Original review: Aug. 9, 2017

This company calls and harass me on a daily basis. Sometimes two or more times a day. This has been going on for five years or more. I have been making payments as I could afford them over this period of time. However in February of this year I set up a scheduled payment plan so that they could quit calling me. Needless to say, they continue to call me two or more times a week because they either do not take out the scheduled payment or they cancel my payment schedule. Every time I try to explain this to them they try to make it my fault because of their screw up. I will admit that I have not been the nicest person to deal with since setting up the payment schedule because it bothers me that they continue to call. Especially when I make the payments on time and they are not applying them to my account.

Today I received another call from them to set up another payment schedule (this is the 5th time doing this) because someone went into my account on Aug. 5, 2017 and cancelled what I set up on July 19, 2017. I was unaware of this happening until I received their call. When I tried to explain not only to the associate but also to her manager they told me that they didn't do it. I told her they had to because I have not been in that account since July 8, 2017. As I was trying to explain the situation the manager kept interrupting me and was not trying to hear what I was saying. I was already upset because they called and was admittedly being rude but this really upset me.

So I tried to set up the arrangement once again with the associate. She kept asking questions and I told her that she already has all of my information and to just please set up the payments so we can end this call because I was upset and didn't want to talk about it anymore. So she hung up on me. I called back and explained my situation to another associate, who did not ask all of the dumb questions the previous associate did and setup the payment plan yet again without issue. And requested that they send me letters confirming this info. I'm sure they are going to screw things up and start calling me again because they do this literally all of the time.

These people do not communicate with one another nor do they read the notes in their system. Because if they did they would know that I have set this up numerous times and with various people. Every time they call they are calling from a different state and I have to tell them to read their notes and that's when they proceed to tell me that they see in their notes that I have spoken with someone previously and set up a payment schedule but that I did not make a payment. Funny thing about that is that after they took out the "missing" payment they sent a letter stating that they took out the money. Also, they tried to tell me that something was wrong with the banking information and that they received an NSF message from the bank which I know is also a lie because I have another account that has the same banking info and that payment was taken out without a problem.

This company is the most incompetent company that I have ever dealt with. They really need to get it together and do their jobs because it is extremely frustrating to continuously be harassed due to their employees not reading their notes and not following through on posting payments correctly. If they had their company in one central place instead of all over the country they could possibly do a better job of keeping track of what their employees are doing.

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Verified Reviewer
Original review: Aug. 5, 2017

7 years ago, I got very angry with a bank. They jacked my credit card interest up to 30% and lied about when they would lower it back to normal. So I made payments until I paid back the money borrowed. (They just didn't get any interest.) Then I called them and told them "no more, I just could not pay all that money." They eventually wrote it off. Then I started getting calls from Portfolio Recovery. Just the name implies they are the good guys trying to help the creditors. I blocked more than 70 phone numbers connected with them. This was in 2011 when they started calling me. I checked my credit score recently and found they changed the date to 2013 now. The debt itself should be off the books entirely in September. I am thinking of contacting an attorney friend of mine and we may go after lost money due to higher interest rates because of this.

Portfolio is very shady and you owe them nothing. They buy old debts and try to scare people into paying them off. They sometimes sue and get judgments on people that don't know any better. As I understand it, in Texas, a credit card debt more than 4 years old cannot have a judgment placed on it. Further, the date of the last payment made to the original debtor is the charge off date. Not the date the collector decides to put on your credit report. That would be fraud. Portfolio Recovery, as I understand it, has and is currently being sued for this.

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Verified Reviewer
Original review: July 12, 2017

I have on my reject list as of today 07/12/2017 24 different phone # from about 10 different states from the same company. They will just don't quit calling. Everyday one to two calls. What agency can I contact to stop these calls?

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Verified Reviewer
Original review: April 22, 2017

20 years ago I had a debt. Every 2-3 years this reappears with a different date. When it does they call and harass my friends, family, employers and me. They tell the attorney general and BBB they will remove and never contact me again and then it starts 2 years later... anyone else because it is ILLEGAL to keep changing the date!

Verified Buyer
Original review: April 13, 2017

First of all, they are not acting on behalf of a creditor. They've purchased the debt from a creditor. I was served papers, apparently 3 times, however, I do not have any knowledge of this happening. I filed for chapter 13 bankruptcy after this company had already, unlawfully gained a judgement in total amounts of nearly $14K via 3 separate judgments. When I've contacted the courts, they cannot provide the original debtor. First off, how can a collection agency who has purchased your debt from an institution you held your contract with, be able to sue anyone for debt they purchased at a rate of .10 on the dollar? Second, how can a collection agency who is not the original creditor get a judgment against you, let alone for the SAME DOLLAR AMOUNTS OWED TO THE ORIGINAL CREDITOR WHEN THEY PURCHASED IT FOR PENNIES ON THE DOLLAR?

Third, the original debtor you signed your legal contract with has already written the debt off their books, gaining a federal tax deduction for your inability to pay, while a collection agency is legally allowed to purchase this unpaid debt for pennies on the dollar and harass you in your hometown and country by gaining a judgement for all to see, how is this not the worst form of harassment and how can a collection agency sue you when you never conducted business with them??? Anyone reading this, mark my words, if they will take me to court 3 times without my knowledge and gain judgements, filed on the title of my home, which never dissolve and are payable at the highest legal rate of interest, you better get everything recorded (check your state's recording laws prior to doing so to ensure legality) and in writing.

Do nothing without documented confirmation of your agreement FIRST. Many people fell upon hard times within the past decade. Portfolio Recovery found a way to go way beyond their legal limitations regarding their practices. I filed for Chapter 13, and am on a 5-year repayment plan. All of my debt is gone from my credit record, but these 3 judgments from Portfolio Recovery. It will result in a huge legal battle with them to get them to remove these Judgements, I can see that, but it will be worth every penny I make to see them put in their place.

In my opinion, they should be put out of business. If nothing else, all who have been illegally harassed by any of their employees, contract employees, attorneys or third parties acting on their behalf should join forces and file a suit together. Contact your States Attorney General with a detailed letter of the illegal and unethical practices of Portfolio Recovery. This is no small ma and pa collections agency. Do not ignore their contacts and document every communication with them. Had I have known about a court date, I would have appeared, explaining my circumstances. When a defendant fails to appear, the Plaintiff automatically is granted everything they asked for in their petition.

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Verified Reviewer
Original review: March 17, 2017

This agency was contracted by PayPal to collect from me however I along with my bank provided supporting documents showing proof that PayPal collected on the debt with canceled check etc endorsed by PayPal. I asked them to investigate how it was cashed as they claim it was not cashed by PayPal account although endorsement shows PayPal. Portfolio Recovery in the meantime keep calling and harassing me and not doing their job to investigate. Also my credit is compromised by this situation.

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Verified Reviewer Verified Buyer
Original review: March 10, 2017

Portfolio Recovery actually has 2 accounts. (I believe) they REFUSE to investigate the evidence I've PROVEN that I had absolutely nothing to do with either account. I've tried for years...they NEVER put information I've given to them proving false information. My identity was stolen. I even told them by who. When accounts were opened in Michigan. I wasn't even living there for over 2 years!!! Thanks to them...(Not listening or investigating my evidence...now my credit sucks!) I TRULY BELIEVE EVERYONE IN MY SITUATION SHOULD OBTAIN AN ATTORNEY FOR CLASS ACTION LAWSUIT!!! I'M BEYOND FURIOUS.

Verified Reviewer
Original review: Feb. 15, 2017

I was in a car accident in November and I'm in bankruptcy. My vehicle had been paid off through bankruptcy. And State Farm finally issued me a check to pay off for my vehicle being totalled out. And somehow this company PRA interfered and cashed my check. So I went and talked to my attorney and he said that PRA still hasn't submitted the check to my trustee and it has been over 2 months. This company is crooks. PRA was getting paid through my bankruptcy so it wasn't right that they cashed my check. Now I'm without a vehicle and I have children and have to get around for work. This company are crooks.

Verified Reviewer Verified Buyer
Original review: Feb. 12, 2017

This is a debt so old which we settled in early 1994. Every 3 4 yrs they pop up again usually around tax time. They secure old loans and make every effort to collect. We had to settle this acct to refinance. It's been about 4 yrs and here we go again. Crazy and sadly they will continue. I don't even bother to call or even explain.

Verified Reviewer
Original review: Feb. 10, 2017

I was contacted by this company and was skeptical about them based on these reviews. I don't know what went wrong with so many people but my experience was great! I was able to have a friendly conversation and come to a great agreement to my balance. It was paid off with my offer, they were great! I have no problem with them based on my experience. I just read some of these reviews and wanted to shed some light for someone who wants to pay off debt!

Original review: Jan. 10, 2017

I set up a payment arrangement with this company. I've never missed a monthly payment, but they've never reported them. After 2 years of payments, I'd never have set up a payment plan had I known this.

Verified Reviewer
Original review: Dec. 30, 2016

I been getting harassed by this company since 2014. Recently they just started to call my phone every day with different numbers. I refuse to pick up. I had repeatedly told them I was unable to pay my bill. When I get the money they will get what I owe. Which is like 200. But I don't work because of my disability. I had change my phone number a lot but I'm not changing it again. Every time I change it they found the new one. How can I get them to stop calling me.

Original review: Dec. 19, 2016

I went thru a nasty divorce when $20k was illegally charged by the ex 15 years ago... Now last year I started getting mail and phone messages from portfolio. They are saying that I owe money on a card that was discharged thru bankruptcy 14 years ago. I check my credit report and portfolio, put this credit card on my credit report and was dropped 200 points from 710 to 511.

I did some more checking... Somehow they were able to resurrect a discharged charged to a current bill that I am 8 months behind in payments and they added $500 interest. $550 fees for portfolio and the debt at $700. How the hell were they able to bring a dead discharged card alive 14 years later and now they claim is recent. I'm not paying it, they can go screw themselves.

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Verified Reviewer
Original review: Dec. 1, 2016

Portfolio Recovery is harassing me on a daily basis from various phone numbers. The debt they are harassing me for belongs to my husband and his ex-wife. I have never had a debt go to collections and I have always paid all of my bills in a timely manner. This debt has NOTHING to do with me. I don't know why they are harassing me. I block their numbers and the next day they call me from a new number. What they are doing has got to be illegal.

Verified Reviewer
Original review: Nov. 30, 2016

I did make arrangements that was to commence for 24 months. Not only did I oblige to their notifications but settled account early. It was Sears MasterCard. Made a settlement which they accepted. Had $$ coming out monthly till account was accurate and satisfied. I always called every few months when I realized that the original note to the offer never was going down. Portfolio assured me that it's just to allow them to originate the note to its settlement offer with me. Original Note never came off and now that I have settled it they are trying to come after me for the original debt... Over $6000.00. I paid in full $4000.00 to the penny which was the settlement. They say there's no proof that I made an offer. They do not change the credit report, it's all false allegations on their web page, and even when you do pay, letters, and final notice of paid in full Never appear.

I'm still waiting to settle this and Now they have approached my credit cards. ALL of them trying to collect which are either too old after 4 years its Statute of Limitations, Check your state for your consumer responsibilities and Statutes, or I already have my creditors paid off. They also try and collect on settlements to the original notes. I owe 2 companies. That's it. My responsibilities should stop there. They have intercepted my relationships with my creditors. This Company is NO GOOD. Get out if you are involved with them. There are other ways to settle a debt. Portfolio just practices very poor judgement. I have refused any and all contact.

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Original review: Nov. 18, 2016

I keep getting calls from them from a variety of numbers. They have left several messages. I know they are a debt collection agency, though I don't have any debt that I am aware of. I have never owned a credit card - never spend more than I have. Still, I am open to the possibility that I might have some outstanding debt somehow, either legitimately or perhaps incorrectly associated with me. However, this collection agency can't provide me with any information on the debt.

When I ask them to mail me something they claim they already have many times (they haven't). They also threaten things that are not legal and make little sense. One go to move for them is that they said they are submitting this to the judge to issue a warrant for my arrest. Obviously that makes no sense but perhaps people fall for it. They also claim that me not paying the debt right away in full over the phone means I am waiving my right to legal counsel. What??? It is crazy. It seems like they purchase lists of debt, but that in no way are they actually collecting for anyone other than themselves. Paying won't help your credit and any agreement you make will not be honored. This is just the same as if you paid one of those Nigerian princes who says you're going to get millions if you just pay the transfer fees. It is a scam.

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Verified Reviewer
Original review: Nov. 11, 2016

In my experience with this company I had made arrangements to payoff one debt "AS AGREED" and remove it from my credit history. I lived up to my end of the bargain but they did not live up to their end. Their claim was that it was against company policy. I can understand the company policy however the agreement for both accounts to be paid was made before the company policy went into effect. I have not made the arrangement for the second account due to this fact, I have request to speak with multiple supervisors or someone with their corporate office yet they have refused my invitation. Until they live up to their end of the bargain, I would not trust this company.

Verified Reviewer Verified Buyer
Original review: Nov. 3, 2016

On October 25th I called to this agency to make a settlement with them for 2 accounts (Cap One and Walmart). They agreed to gave me a discount and I will not have any further obligation for both accounts. They withdraw the money as quick than less of 24 hours but now they still reporting to the Credit Bureaus the discounted balance no matter the letters they sent to me prior to the payment indicating that the accounts would appear on my credit as settled!!! No settled statement on my credit reports and still the balances showing.

They are nasty people with very poor customer service ethics. They promise whatever you want to hear but they would do completely different. The most stupid explanation was "Yes... both accounts are on 0.00 balance in our system but we are going to continue reporting the discounted balance on your credit." Ok ok ok if as per your freaking system I don't owe you a penny whyyyyyy you report a false balance on my credit? Fraud!!! But they will hear from me!!! I will pursue my rights to the end. Check from me on the news. Portfolio Recovery - the worst collection agency ever and so many violations!!!

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Verified Reviewer
Original review: Oct. 7, 2016

I have been paying my debt for the past year, I have received letters stating they sent back my money orders for wrong acct # etc. But the money orders were not with the letter. I called and speak to several different people. When they dont know the answer they get someone else on the phone. Robyn ** manager supposedly at 866-925-7109 gave me her email received failure notice, also with kristen ** (lawyer). Nobody will give me answers of why there is a said court date if I have been paying. Some of the people you speak to have names like Creshe (like creshing a blanket), Mr. **, Hengley **, all name are very odd??? I am not denying my bill, lost job, but not sending monthly statements but insisting you give them your bank acct info is odd.

Original review: Oct. 1, 2016

This "company" calls 5-6 times a day. When you answer one of 2 things happen: they either start threatening you but won't give any specific account info or even tell you who or what you owe, OR they don't say anything. You just hear the call center noise in the background. (They probably get some sick credit for a call that's actually answered but don't have to prove they spoke to you.) Each time they call they use a different phone number. I guess this helps them swear they aren't harassing anyone.

If I owe something I should be informed of what company they represent and what is the amount I owe. I should also be able to get some documentation of this alleged debt in writing. They aren't willing to advise any of this and refuse to provide written proof of a debt owed. I feel sorry for people who fall for their scam and pay them, either because they believe their line of nonsense or are too afraid not to because of all of the threats hurled at them. If you want to send the "authorities" to my door then they best be holding the written proof I've asked for!

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Verified Reviewer
Original review: Sept. 28, 2016

I recently paid a collection with Portfolio Recovery Associates, LLC. When I set up the payment plans, I specifically asked the representative if I paid the entire debt, would it be removed from my credit files. He said yes! I paid $54 (and some change per month) for over a year (sometimes I paid extra). I even gave them a scenario where I paid a hospital debt that had gone in collections and Franklin Collection Agency Agreed to remove it after paying it off. They were true to their word. I am trying to improve my credit score. If I had known that Portfolio Recovery Associated, LLC was not going to REMOVE this as a collection from my credit files, I could have simply waited until the statute of limitations had expired. I am not denying I had the debt, but I just asked for a goodwill adjustment. I made all of my payments in a timely fashion.

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Verified Reviewer Verified Buyer
Original review: Sept. 19, 2016

I paid off an $1100.00 debt on July 25, 2016 and as of today, September 19, 2016 I cannot get a letter of satisfaction. I have called every week since the payment was made, emailed and mailed a request. The debt is still showing on my credit report and I have no proof that I have paid it and cannot get any. Every call is the same thing... "I am not sure why you haven't received that letter, I see where you have called and a letter is being mailed out!" I THINK THEY ARE A SCAM!!!

Original review: Aug. 24, 2016

So I got my first credit card earlier this year through Chase and shortly afterwards I have been receiving phone calls from this agency claiming I have a debt from Capital One from 2013 and I asked for some sort of evidence of it, in the mail. It's been 8 months now and I haven't received anything. However since I've asked for evidence they have continuously called and called. At first they said I owed over $2k then they said $1800 and then $1580 and now they're saying they have a deal that will settle all my debt for just $1200 and like if I owed money and hadn't been making payments, wouldn't the amount of money I "owe" still remain the same? Instead of changing every other call? They deny it ever changing it... they repeated my social back to me and had an address that I haven't been to in over 8 years.

If this is legit I would take it seriously but the whole deal is fishy and I really don't want this to ruin my credit that I'm starting to build. I'm in my early twenties and have been depending on my parents for awhile which means the only thing I have in my name, is my first credit card from Chase. I don't own a house or a car. I barely got approved for a card, how was I supposed to get one 3 years ago when I had no idea what a credit score was. I'm tired of dealing with this.

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Original review: Aug. 17, 2016

I recently received a letter about owing on unpaid debt. This debt was "bought" from my creditor for PENNIES (literally) on the dollar, yet they were now looking for a large payment. Do I think that is right? NO. Is it "legal" -?? BORDERLINE at best. Bottom dwellers who feed off the misery of the poor? Maybe... BUT... I will say that PRA and the two people I had to deal with were sound, professional, caring and courteous to me. EVERYTHING they said would happen, happened. Nothing more. No additional monies were taken, no harassing calls, no litigation, nothing. It was benign for a "bad" process.

If you have to work with PRA, be courteous back and speak with a manager. Get names, and dates, and amounts of transactions and save your papers. Really, If I have to "rate" a bad thing, I would say they upheld their end and on a professional level.

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Portfolio Recovery Associates, LLC Company Information

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Portfolio Recovery Associates, LLC