Portfolio Recovery Associates, LLC

Portfolio Recovery Associates, LLC


 1.1/5 (183 reviews)
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Overall Rating1.1 out of 5
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About Portfolio Recovery Associates, LLC

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Portfolio Recovery Associates, LLC Reviews

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Verified Reviewer
Original review: April 29, 2023

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.

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Verified Reviewer
Original review: March 9, 2023

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.

7 people found this review helpful

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    Verified Reviewer
    Original review: Nov. 8, 2022

    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.

    After speaking to a relative that used to work with the Sheriff's Department and finding out that letter was bogus I check about the trial and found out Portfolio never even showed up to the courthouse, what they did was they get a clerk to drop a stack of records infront of a judge of people who signed for the papers who signs that Portfolio can collect on the debt. Well after the no show by the Sheriff's and learning their courthouse scam I contacted the credit bureaus and they failed to provide PROOF and only managed to reven reply to 1 of them within the allotted time frame that they own the debt. Well after that I stopped getting letters from Portfolio and there had been a long break from the calls until again statute of limitation ended and there was no longer any evidence on my credit report they had even been trying to collect from me.

    Well now they have started up the calls again following Obama removal of the Do Not Call List allowing scam companies like this free reign to call everyone again. Trump may have reinstated the Do Not Call List but that also means the list has to be formed again from scratch and Portfolio with their endless supply of numbers from across the United States seems to be determined to have every single one of them blocked.

    When I first was brought aware they are a scam company that basically dumpster dives to get information about debts they think they can collect from, I also found out they are black listed from doing any business in several states by the courts because of their illegal practices. In states where they are actually required to show up to court in order to get a judge to award them to go after properties to compensate the balance owed they have had people show up in the court room, prove that Portfolio had been informed they were going after the wrong person and wanted Portfolio to stop harassing them, so the judge turned around and ordered Portfolio to pay the defendant over 1 million dollars for having to put up with the illegal practices and harassment all that time and had to take time off work to deal with the trial against these crooks, and then black listed the company from doing business in their state also.

    The parent company at that time barely even wanted to acknowledge Portfolio was even associated to them. Today when Portfolio called they left a Voice-mail and it sounds like they have altered the company name again in order to continue to scam people who aren't realizing it's still the same company and possibly try to violate statue of limitations again by going to the courts again so they can show up on the credit reports. IRS needs to audit them and reimburse everyone they have scammed since they clearly have the money to spare if million dollar settlements don't even phase them that they are breaking the law and need to change the way they do business.

    14 people found this review helpful
    Verified Reviewer
    Original review: Nov. 8, 2022

    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.

    9 people found this review helpful
    Verified Reviewer
    Original review: June 30, 2022

    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.

    14 people found this review helpful
    Verified Reviewer
    Original review: April 10, 2022

    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.

    20 people found this review helpful
    Verified Reviewer
    Original review: June 10, 2021

    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..).

    From personal experience, the person calling will always simply just ask for money, even if they ask "why", and you explain, that you are unable to pay them, which from my experience is I simply don't have money past necessary needs each month, that they just freeze and ask the same question "from the top" until their goal is achieved to simply get money from you. Talking to them is a trap, since they just will keep asking you..which doesnt lead anywhere, and their practice is criminal, so it's completely safe to ignore, them, though the calls and instigations are very annoying until they stop .

    If I had a lottery ticket of (I dont even owe much under 10k total from about 10 years ago), I invested in something that turned out to be a scam and most of my money was stolen while I spent some on personal expenses I dont own anymore. (I dont own my own property, I live in a room with a few things) but see it's just a number they call and "give me money kind of thing" but I dont blame the people calling they just work for their, llc or whatever, So in my case I rip any letters and block calls, and why they call from different area codes doesnt mean anything other than that the people calling dont matter and you're ok not worrying or paying them unless you chose to (or can in my case, I simply dont want them bothering me) which itself is also illegal in the US and most countries...

    14 people found this review helpful
    Verified Reviewer
    Original review: April 27, 2021

    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.

    This is NOT MY DEBT so the fines incurred by them (I have documented every call, number and contact to the point my attorney feels I should do very well in the settlement). Stand your ground, these wannabe 'debt collectors' are nothing more than an operation that uses phone lines for illegal practices and they will pay for these numerous infractions. It is not a secret that people hate these calls, and the tide is turning since people now fight back. They made an enemy for life, and I with the help of a law firm and the FTC will put these ** out of business.

    32 people found this review helpful
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    Verified Reviewer
    Original review: Feb. 5, 2021

    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.

    These idiots tried calling me today with someone else's name which tells me they are still defrauding consumers because the number they called me at has been in my name for over 10 years now. California law states that debts like the ones they try to collect on are no longer subject to collection after two years so the person they are looking for they can't legally touch in any way even to place the collections on their credit report. Keep in mind that if these people start harassing you there are several law firms that will take the case pro bono and charge their fees to these crooks just be sure to document the calls you receive from them and contact one of those firms!

    33 people found this review helpful
    Verified Reviewer
    Original review: Jan. 7, 2021

    Portfolio Recovery buys debt for pennies on the dollar from credit card companies. They are allowed to call you as much as they want, anyone complaining about calls should pay their bills and they won't call. I have dealt with several collection agencies after being irresponsible with credit cards in my early 20's. The company is THE best to deal with if you are going to deal with a company.

    They have flexible payment plans, like really flexible, they will allow you to pay as little or as much as you want. The website is so easy to update your payment method or change your payment plan. IE when I got a promotion I increased my minimum payment amount and it took 2 seconds to do so. Other companies make you call and it's a long drawn out process. Also as long as you are making payment, no matter how little, they don't call or email you anymore because they know you are in repayment. I hope to never get myself in debt like this again, but if I ever do Portfolio Recovery is the company I would hope I can work with to pay my debts.

    12 people found this review helpful
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    Portfolio Recovery Associates, LLC Company Information

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    Portfolio Recovery Associates, LLC