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. 👍🏻

Was Just contacted by Portfolio recovery Associates on a recorded line. I continued to state I would be willing to settle the debt with that I could afford. I was told it was not enough, that I wasn't paying enough. The customer service associate refused to go back to any other service refused to review it appropriately and just continued to state I was attempting to settle the debt with what i could afford. She Refused to work with me. Go so far as to be insulting, and telling me when someone comes along and willing to accept the amount. I do not understand how they're in business.

All this company does is prey on people. I have been making monthly payments but apparently that wasn’t good enough for them because I didn’t have a signed payment contract. They sent the account to their attorneys and my county courts. After harassing calls from them explaining my situation and making monthly payments, they still harass me. No wonder why they have so many complaints and lawsuits against them. Horrible company.

This company is as grimy as they come. I pay off a debt from them, I ask them 3 times if there's anything else, they say no. Yesterday (5/08/2025) these scum send me an email bill for a similar amount. Today (5/09/2025) they report it to my credit report tanking my score 30 points! This not only gave me less than a day to resolve, they didn't verify it. Then they tell me it will take 30 days to get this off my credit after I gave them another $500! They get sued all the time even by the federal government for these practices. I am homeless and was getting ready to apply for a mortgage to buy a house to get away from the numerous slum lords here in Florida and these slimy people torpedoed any hope of this.

This “company” sucks. They call from a bunch of different numbers even on Sundays. If you do not answer they send you letters threatening lawsuits. When you do talk to their people they want to verify name, dob, ssn, FULL street address all the way to zip code, and won't proceed without it. Then you are on to listening to 3-5 minutes of disclaimer. Once you agree to a payment plan Everything about their site is set up to try and make you be on Autopay without an Opt out. When you authorize a payment it may or may not actually process. If it does process you have to then call in or chat for them to take you off of autopay. I opt for off of autopay so that I control when the payment is made and don’t risk fees from my bank if I don’t have the full amount due that day. Then if you do need to call or chat the “agents” are the least helpful.

I had ruined my credit and one of my credit cards got sent to PRA, LLC. They had called me to make arrangements. I didn’t have money at the time and called a year later to see if I could still be helped. Dustin was so calm and made my process very smooth. Answered all my questions and gave me alternatives. I’m glad my card got sent to them! If I ever need help recovering again I will surely call for help here.

I called them to potentially do some business with this company, they were very rude and before I could even explain my situation, the staff member got the manager on the phone and again before I could explain my situation they put me on hold. They were rude and condescending, they definitely lost my business.

I got a letter that I owe them and I don't owe them crap. I wasn't on my credit report since 2015. This is a scam (Portfolio Recovery Associates llc). They need to back off and I call the cops again on them. Don't use PayPal nor ge capital retail bank at all. Scams are dumb and they need to go to jail for this.

They are trying to collect on debt that is over 9 years and and that is no longer on my credit report. They are past the statutes on how long you can try and collect a debt for. These debts that Portfolio have are no longer on my credit report.... It would be nice if they stop calling and harassing me... Blocking their numbers doesn't always help because they'll call from a different one.

A lot of negative reviews. I understand for good reason, I'm tired of it myself. However, if being relentless the business model there is a reason. Our acceptance of unsecured debt without fulfilling the our obligation to pay for the things we buy is the point. We go into knowing what is. We overextend ourselves knowing we're owning up to 30 percent more. Don't get a card in the first place you wannabe-silverspoon-babies. Be honest with yourself. When I spoke to the last individual to call me I was polite, I asked what the debt was and when it was bought by PF. The person on the phone was mutually amenable, knowing they deal with you idiots every day. I figured it out, paid nothing. They only suck because you don't wanna pay your debt. You know that. Stop looking for excuses.

The fact that they call you super late at night AND past the cut off is ridiculous. I have said over and over I AM NOT THE PERSON YOU ARE LOOKING FOR, yet I still get calls at 9pm at night. I've had enough and am filing a formal complaint since CLEARLY they do not understand.

Easier to just pay than deal with them. Blood sucking leeches just like every other debt collector. Hope they enjoyed taking more than a month's worth of food out of the mouths of my 3 and 6 year old while I scramble to afford rent and utilities and will likely now have to rely on a food pantry for at least a couple of months. Being a widow is hard. These guys make it harder.

They call every day to the point of harassment. They won't even report a payment on debts. Be careful dealing with this collection agency. I have blocked every number they have called. If I could leave a negative star I would.

Made a payment agreement with them, charged my checking account. Then they canceled the agreement and started calling 5 times a day. Answered a call from them and told them so, they went into a script.

Portfolio Recovery trying to collect old debt that is 10 years old, called every day to reported them and they responded they will stop, in NY state they changed the law from 6 years to 3 years to be able to collect debt and this debt is from 2012 and I’m not even sure I had this credit card? But in any case hopefully they stop calling.

I had an account from 2014 that I overpaid them by $112 and they keep telling me they are looking into it, I have not received my money. They keep giving me the runaround by Managers, LaShawn **, Victoria **. NOTHING!! So rude, they act like I'm bothering them. I will be reporting them to the BBB.

Tried talking with the agent and all they wanted to do is tell me about a debit I no longer owed. The debt in question was discharged in bankruptcy in 2019 and now 4 years later they decide they want to collect this debt. Very unprofessional and rude.

Credit card bounced on male escort service in the amount of $350. with male hustler. Such a waste. The guy was uncircumcised and smelled. Portfolio is trying to collect on a lousy lay..threatening with legal action. To date they call several times a day, have sent bills which they have padded..Oral sex wasn't part of the deal.

I owed a debt from Capital One and Portfolio Recovery filed to garnished my wages until my debt is paid. The debt has been paid now and these scumbags are making it difficult. They filed to continue garnishment even though the debt has been paid in full. They don’t care about anything but to collect more money beyond what was owed. As a consumer, it’s unfair even when the judgement had stated the garnishment stops when debt has been fulfilled. They really know how to make people’s lives difficult. Debt is paid in full, debt as should be done.

I had a store CC and lost my job. Well the CC company was aware I lost my job but still sent me to collections. After statute of limitations was up their collections department stopped reaching out and clearly wrote off the debt. Well a few years later Portfolio sends me a letter claiming they now hold the debt and about a year later serves me with court papers while stating they would contact me when a court date would be assigned. Well I waited to find out when to show up to court only to then receive a letter stating they won the case followed by what appeared to be a letter from the Sheriff's Department about collecting personal property to pay off what the court agreed I owed on the debt.

I got a letter after 18 years to attend a arbitration for a truck my ex husband sent back 2004. The statute of limitation ran out on that and why didn't they contact me sooner or contact my ex husband. I'm not attending so hopefully nothing happens but I have no idea why after 18 years this is all of a sudden brought up.

Even when you explain your debt is due to financial abuse and give them your attorney’s info, they continue to call and harass you. All survivors should be allowed restraining orders against places like this, because survivors’ SURVIVAL is more important than this shady company harassing us. Shame on every single one of you calling someone who was a victim of abuse and trying to survive. Shame on you.

I don't know how anyone that works there can sleep at night knowing that the fires of hell are waiting for them. This company is pure evil and nobody would miss it if it was wiped off the face of the earth.

These people although affiliated with the actual debt you owe with the credit company, from what I read, buys accounts off the credit companies and is not actually practicing legal activity, rather their own, so I assume these companies buy other identities accounts and then do kind of what they want, which is if you look into articles and such from people who know, Not legal, and there are laws that protect any consumer who owes debt. More from personal experience, if you do interact with anyone calling from the (actual) debt collection agency (there's even fake ones calling me at this point, any my family who have nothing to do with this and influences their lives in a negative matter..).

I had been getting calls and hangups from various numbers, some local and some from various area codes for the past 7 or 8 months. I started calling some of these back and found out it was these geniuses. And ascertained they were actually trying to contact someone in my family who lives across the country. I told them they had the wrong number, that I was not the person they were trying to contact, so they asked me how to contact the person they were looking for - I told them to pound sand and get a real job, now when they call I keep them on the line as long as I can and harass them like they have harassed me. I call them anything I want, anytime I want and I offer to come to their office and bother them. These lowlifes need to be investigated and I have some good connections with the Federal Trade Commission so payback is coming.

Make no mistake these are fraudsters who try to illegally collet debts that are often (A) not yours (B) no longer legally collectable due to the statute of limitation or (C) never existed to begin with. They have been known to call 20 times a day according to complaints against them as well as make illegal threats of contacting your employer and the Consumer Financial Collection Agency has forced them to repay their victims, fined them and even ordered them to cease trying to collect large sums of money that is no longer or was never legally owed by consumers.