Portfolio Recovery Associates, LLC Reviews

They have contacted me even more now after Covid19 with the phone calls, several times daily from different states. No other has called me but this company. There is something inherently wrong with the owners of this organization.

They have an easy payment system online and will delete your account once settled after 30 days. Really hard to get others to do that so kudos to them. They also give you offer letters which you can also reduce how much you have to pay. The downside to this company are two things. First, minor issue. Their online chat is horrendous. You have to provide them with so much information in regards to your account that when you go look it up it kicks you out. I was trying to ask one simple question, not even related to my account, just a general question, and for a week I could not get anyone to answer it without needing name, phone number, account, merchant, last 4 digits of social security, account balance and like two other things just to even get them to answer if taking can be accepted as paid in full. After a week and online sleuthing, I found the answer in a myFICO forum.

These pieces of trash call me everyday —multiple times a day — over a $500 debt I owe. Even through the ongoing covid-19 pandemic, these awful, hideous, morally & ethically bankrupt monsters are STILL bothering people with phone calls. Disgraceful excuse for a company. Awful even by debt collector standards. People are DYING all across the country, & these scumbags continue to operate as business as usual. People are out of work & shut-in inside their homes — some without money or food — & these monsters continue to operate as business as usual. Disgusting people.

The card had $70 on and now they want 3x that. I found the mailing in a mailbox at parents old house not used in years. I made an offer of 1 time payment. They refused. Payment. Was not enough. With coronavirus we all may be dead weeks from now. Sure no one is running to pay off debt with things going on right now.

Portfolio Recovery passed along a debt of my ex to me. In that time, I have 343 phone calls documented from them. Today, when this Virginia company called me from a local number (where my family and parents live), with everything going on, I answered. This company RUINS personal phones. Their anticipating an obligation to answer. Well, you're the one ruining it. Where is the FCC with penalties? This is absolutely abhorrent behavior and no business outside of this industry would dare even try doing this. Why does this man get a line drawn and the sand: **.

Portfolio Recovery sent a 1099-C to the IRS recently for the year 2017. They say that they sent it to an old PO BOX that I had 6 or 7 years ago. I found out about this when I received a notice from the IRS in December 2019 saying that I may owe them almost $4000 because of this cancellation of debt. I have had several conversations with Portfolio Recovery which tells me that this debt was charged off in my favor in 1995. How is it in my favor if now the IRS is saying I owe almost $4000? I have asked who was the original debtor and the company that they give me is no longer in service.

This company has a bad debt of mine from a couple years ago. Yes they called too much, but that is what a debt collector does. I am someone trying to make a debt correct and they have been very patient with me while I figure out my financial situation. They have set up payments and so far so good. They even gave me a percent off of what I owe. They were very willing to work with my circumstances. Pretty unprofessional with laughing in the background of all of my calls, but that happens a lot if you work at a call center. You cannot control everyone else's behavior as you are in the phone.

I fell in hard times four years ago and by the time I was in a better position to start paying back my debt, two of my accounts had been placed with Portfolio Recovery Services. They are awful. Constantly called both my cell phone, my work phone, and my co-worker's phones. When I spoke to them, they offered to only settle for 30% which was still way too high for me to pay. Ultimately, they ended up leaving me alone because the statute of limitations in my state that they could sue ended. But, my nightmare continues with them as I received a 1000C for both accounts so now I will be paying the IRS for years to come. I wish I could offer better news to anyone trying to deal with them but they will find a way to screw you over no matter what you do.

2 collections showed up on my credit report. Contacted Portfolio Recovery. I have never dealt with more incompetent people. They were unable to tell me ANYTHING about the accounts. Couldn't produce any history, any idea of what the original debt was for, or any evidence that it was even mine. More like an extortion operation. These people are criminals, Treat them accordingly.

They call multiple times a day, every day, even on holidays and weekends, from spoofed numbers that appear as local calls. They do this so you cannot block them. They've used well over 150 different numbers so far. Hell will be frozen over before I give these sleazebags one dime.

This company calls me everyday from numerous different numbers. They don't leave messages which means they are robocalling. I have no debts and never have, so I have no idea why they're calling me. They're obviously calling the wrong number. My credit rating is A1 and I'm in the top 3%. I've emailed them and told them to stop calling me and to remove my number from their database. They never responded, and continue to psycho call. Can't wait until the president signs the Stopping Bad Robocalls Act which will fine these kind of people $10k per call. I've reported them to the BBB. I'm tired of being harassed.

I have recently been contacted by Portfolio Recovery Associates LLC. about a debt that I am unsure of it being mine, I have requested several times for validation of the pre 2017 statements. They have yet to be provided and I have even done my due diligence and spoke to the original companies, which also are unable to provide validation (other than my name being on the account). I was escalated to Kenith (an operations manager) who was very apathetic and distant when I was explaining my situation. Towards the end he became dismissive and snide, I did not appreciate his lack of help to handle my situation. Not a good company involving debt collection.

I keep getting phone calls about an old debt that has been written off. It is too late to collect, but if I pay it goes on my credit report. I keep telling them that I am not going to pay in order to hurt my credit. It is not on there now, so the answer is no. They call from different numbers. Sometimes they will leave a voicemail and sometimes they won't. Why harass me if they know they can't make me pay due to the law. I am not falling for some trickery.

This company is hands down the worst, most heartless group of people I have EVER dealt with. Ever. Without receiving any notice, they wiped out my entire checking account today for a 10 year old credit card debt. Left me with a balance of $0.00. I call and ask them how am I supposed to take care of myself and my son seeing as how I'm a single dad now with no money and was told that it's my problem and I just have to deal with it. Do not deal with these people unless you like eating bugs and leaves.

I had purchased a car months ago for my boyfriend and I so we would have a vehicle. I had my phone number on the application. Now this company who is stalking all these credit places will find a number and just assume it's to the person they are trying to connect with. My boyfriend and I do not pay each other's debts, and we do not give out each other's number. They will get angry and assume you are lying. I told them they had the wrong number and they would have to call him on his own phone. They asked for his number. For legal purposes I do not give out anyone's number. And they got bad have me their number and place of business.

These people are harassing my parents to get ahold of me, and they are still calling them despite me telling them to stop and that they are not involved in the debt that I owe. They call my parents at least once daily and now they have even started calling at night and on Sundays. I have contacted a lawyer and I'm planning on doing everything within the law to make them stop harassing my poor parents who are in no way connected to the debt that I owe! I have never had to deal with such an unethical company that doesn't even have their information right and are harassing the wrong people! So ridiculous!

These brain surgeons call from myriad different phone numbers at all hours of the day and evening, trying to collect on a debt that I don't owe, from a credit card which I maintain in excellent standing (and always have). My name is similar to the name of the person they're seeking to harass, and they will not stop no matter how many times I've explained this. They're rude, ruthless, and horrible.

This company calls me daily for nothing. My ex wife still uses my phone number for her credit card frauds and this is her cover. I called the Fla state's attorney and made a complaint. They forwarded my complaint to the consumer bureau of Fla, are you sitting down? All they do is COLLECT info on companies so they will have a database even after the company and their shady business practices, no one does anything. This Fla consumer agency let this flunky company get away with a non answer as to what my debt was and who they were looking for by calling me, they havent stopped.

I am trying to purchase a house. I have all necessary documents except for one. I found out prior to our close that this was pulling up on my credit. I married this debt, but it was 700 dollars. I paid it in full the first time I saw it and then we paid the entire balance. It's been 4 months since then. I have not been able to receive a letter of satisfaction. This is now causing an issue with the completion of our home purchase. I have heard it's been escalated for the past two months. Now four months later I still can't get a real time frame for anything. This is ridiculous.

** they called from this number and change numbers every day. The debt was written off years ago. But they keep calling. I sought an attorney, used call blockers but they continue to call. I spoke with them and informed that debt was written off so they stop calling at 8 am. Now they call at 9 am. Once they sent me a fake court date to come to court.

These people have been trying to contact a person who shares my name for the past six months regarding a Capital One debt. At first, I was nice and informed them that I believe they have the wrong person. I have no Capital One credit card on my credit report, and have never had any Capital One credit lines in my life. They asked if my date of birth was such and such. I told them NO. They asked if I lived at such and such address in South Carolina. I told them NO, I don't even know anyone who lives in South Carolina. They asked if the last 4 of my SSN was **, and I said NO. The only thing I have in common with the person who owes that debt is a VERY common name.

Letter to my father to collect a 3.7k debt from Capital One. My mother received a letter stating that my father had an outstanding balance and now into collection. My father passed away 30 years ago and this debt was acquired in 1999 and it went awry in 2003. I have had a call on my cellphone...I do not owe this bogus debt? They said that legal proceedings? Today again, spoke to a rep and they said they will notate this. This company is a predator, the debt occurred after my father passed, they call people who do not have the debt, they threaten with legal action. How do we report to the Better Business Bureau and spread the word.

Portfolio Recovery continues to break Federal Law and engage in criminal business practices which resulted in their being found guilty and fined by the United State Federal Govt. In our experience, this criminal enterprise sent a single notice of claiming ownership of an account in our name that never existed and was disputed several times with the claimed creditor they purchased the account from. They, then, proceeded to file a lawsuit seeking the amount claimed was owed and fees. Even after disputing this with them, they then threatened to garnish wages, seize vehicles, and any valuable property they could to satisfy a $1100 debt account that was not ours to begin with. Needless to say, the process is still ongoing with complaints filed with the federal government and NASDAQ exchange that this publicly traded company is a member of and traded on.

I recently decided to check my credit and had some collections from a few years back after a job loss. I called Portfolio and they agreed to a paid in full settlement. I paid the agreed amount immediately over the phone. They only deducted the amount I paid and it’s still on my report. It’s only 121$. I would have paid it all had I know. GET THINGS IN WRITING FROM THESE LIARS.

I in bankruptcy due to Toyota and a really bad car deal that went very sideways then to find out that Ally sold my cars to Portfolio Recovery Assets LLC that treating me like crap on the phone and disrespected me then 2 days before they start to procedures to repossess the vehicle due to no proof of insurance but I had insurance on the car since I bought them so this has been hell dealing with this company and with Ally not telling me any about selling the accounts I think it's BS cause I signed contract with Ally not this crap company so I hope someone from corporate call me to make this right.

This company is calling me multiple times a day. They are calling my office, my cell phone and my former mother-in-law's home. They call from different numbers every time. This is over some socks that I ordered from KingSize Direct that I was dissatisfied with and the company would do nothing about my complaint so I never paid for them and threw them away. Now I have this company harassing me multiple times on a daily basis. Multiple times per day even on holidays and at former relatives' homes. This is absolutely ridiculous. Now it's on my credit report hurting my credit. How is this even legal? By the way they are stating that I owe more than $450.00 when the socks I ordered were $136.00.

I had an account with American Express that disputed on the merits of its written contractual basis but it was still sent to various collection agencies (at the same time) including Portfolio Recovery Associates. Despite the passage of well more than 10 years they still call and annoy me at various times of the day and even late at night and as early as 6:30 A.M.

Portfolio Recovery has been calling my house on a daily basis two-three times a day. On a different number every time they call. I don't pick up my house phone. When I do pick up their call ask them what is it regarding to. They won't tell me. They ask for my husband. When I met my husband 10 yrs ago yes he has some debt. But now he has an excellent credit. Between the two of us. We have over 100,000 in credit line. Do we looks like someone that would owe debt? Stop your ** nonsense robot calling and harassment. Thank you very much!

I'm recovering from years of money issues. This company has harassed me at least twice on a payment plan I'd already set up, and then agreed to make a note that I'd pay another debt off after those debts were cleared. However, I was told that I was still going to be harassed by phone and mail, as if the arrangement doesn't exist. I DO NOT LIKE this company. I understand debt collectors aren't your friends, but they could at least operate with some common sense.

This company told me I had a had a large debt and has been calling me several times every day and at hours way outside of the normal duty day. It's both insulting and degrading to receive this many calls from a collection agency, especially one which might not even be legitimate. And to make it even worse, the company has seemingly hundreds of phone numbers at their disposal so every time I block them they can from a different number. And when you try to call the number back the number isn't connected or you get some generic message about the number you dialed.... This scam of a business is the worst I've ever encountered.

Received a letter saying a debt I had was set up for payments to be taken out of my bank account with U.S. Bank. Not my account, so not worried. This is a major scam that everybody needs to be aware of and report them. This type of stuff needs to be stopped immediately. People need to be aware and know what's going on. Probably getting phone calls, but scam calls are blocked, thank goodness...

They sent my son a debt today 2/28/2019 in the amount $233.71 owed from US Cellular that he owed back in 2004. I explained to her he is on disability and lives with me and a debt that is owed from 2004 it is impossible to collect. I told her she need to read up on Oklahoma laws. You cannot collect from a debt that old and just now trying to collect for it. Really I have never heard garbage like this in my entire life and I am in my 60's.

I have NEVER missed a payment. Ever. On Anything. Now I suddenly owe 1200 on my electric bill? Something I can easily check on my account. Sure enough, no missed payments. Yet I "owe" these scammers 1200 for this BS. If I missed this many payments, I'd have no power right now.

While the person I spoke with on the phone was polite enough, I felt something was off about the reported debt that we supposedly owed. The man on the other end claimed we owed over 4,000 dollars. I became suspicious when he claimed there was an offer to pay only 1000 dollars of the amount owed and we would be cleared of this debt.

I've been trying to get details of a settlement from these people for months now. I even resorted to sending a request via certified mail to which they responded with completely unrelated documents, showing that they didn't bother to read the letter I had sent. They consistently lie on the telephone saying that something is being sent, but then another representative will say that the documentation doesn't exist. A "manager" today claimed that they don't keep records showing purchase of accounts, so I guess they don't keep basic business records?

These people call constantly from different phone numbers. The person that they want has my last name and isn't related to me. I've told them in the past to stop calling my home. I'm not related to this person. The person that had that name who was related to me died in 1980. Even after telling them this, they continue to call my home phone and my cellphone number. I have no accounts in collections. These people have found my parent's number and call them constantly also. Something should be done with this bogus collection company. I hate the phone companies that will not do anything about things like this.

We have worked with them for 5 months, and in our January interaction they tripled the amount they were authorized to deduct! Not a small amount... $3000 vs the $1000 they were authorized!!! Upon calling, it was “too late to fix it tonight” but all would be reversed and redeposited the next business day. We are 3 days past the “next business day” to no avail, having endured multiple EXTREMELY RUDE “managers” and “executive directors” who have all told us different lies!!! My favorite being, “it’s your bank that won’t accept the deposit/refund.” FYI, my bank says nothing has even tried to come through, and nothing would be held up anyway. Complete trash of a company employing the same as far as I’m concerned. Stole money not authorized to take, lies about it being redeposited, rude representatives who I’m learning say whatever they want to get you off of the phone.

For about the last two years, I have been getting a phone call almost every day from Portfolio Recovery, and sometimes two or three a day. I never answer, and they never leave a message. One time, about a year ago, I answered and asked why they were constantly calling, and they asked to speak to my son. When I asked why they wanted to speak to him, they said they couldn't tell me, so I said I would tell them nothing until they explained why they were calling, and I asked them to stop calling. They keep calling, and I can't block their calls because they use a different phone number with nearly every call.

I have been harassed now for about seven years about a debt to Capital One that was written off years ago and removed from my credit report. I requested that they validate this debt and show me that they are authorized to collect this debt but they never would. They mail me bills every few months that I just throw away. The big problem is they call and call and call. I block each number and they do it again. I have been on the do-not-call list for years. I tell them I'm on the list and they say sorry but a few days later they call again.

Our company is on the do not call list. I keep blocking Portfolio Recovery’s phone numbers because they keep soliciting our business. Why is Portfolio Recovery exempt from obeying the law? Enough is enough. WE DO NOT WANT TO DO BUSINESS WITH THEM!!!

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.

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. -_-

They called me on a Sunday at my parents house number. And I just paid them some money last week. They are harassing me and they call from various numbers after I just blocked like 20 of their numbers from my parents house phone. I dont understand why they get away with such things. Why are they allowed to own more than 20 phone numbers? This is ridiculous. I now have my phone on the do not disturb dial tone just to stop them. They are freaking ridiculous and needs to be stopped especially after they see that someone just made a payment.

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.

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 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".

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.

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...

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.

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.

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!!!

Updated on 08/18/2020: I wouldn’t give them a no star rating at all. I had an account that was placed with outfit. I found out this dysfunctional outfit went behind My back & filed a lawsuit against Me. Without Me knowing about it. However I haven’t seen anything yet. How I found out about it was through a attorney that specializes in Bankruptcy & told about what Portfolio Associates was plaining on doing. So The Attorney advised Me to file bankruptcy. Which now that’s the route I’m going to take. All because of them. I’ve never heard anything great about them or any others. My personal advice to all if you have to deal with this dysfunctional bunch or other debt collectors first make sure they validate the debt they are claiming is yours. (2) Keep track of payments! So that they can’t try to lie about saying they never got it.

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.

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.

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.

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!!!

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.

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.

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.

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.

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?

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!

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?

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.

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.

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.

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.

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!

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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!!!

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.

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.

I'm a real estate broker who has sold a business located in AZ. The seller had a judgment recorded by Portfolio which she paid off in full. They sent her a letter stating she had satisfied the debt and the judgment would be lifted. Under AZ law they had 30 days after receiving payment to rescind the judgment. The buyers of her business have deposited all of the funds into escrow. Both seller and buyers have signed all documents. However Portfolio still have not released the judgment 47 days later. That means the seller can not receive her money, the buyers can not take possession of the property and none of the real estate agents can be paid.

They are the worst ever! Nonstop harassment day and night. I had an account that was created by my ex using mostly my info. I agreed to make a payment arrangement with them to satisfy anything that was needed to keep my credit clean. An arrangement was made and I gave them a payment of $200.00 and then I got a call from them stating that they made a mistake with the payment arrangements and said they stood to lose money on the deal. I told them that if they took out 1 red cent more than the agreement I would sue them. They even told me that if I made payments they would not report it to the credit bureau as current or zero balance and they would not give me a letter indicating all debts have been paid in full. This did not stop the calls and the letters for a debt that was not initially mine and for an arrangement they want to change. Bad business guy and leave me the HECK alone!!

This company keeps sending my wife (whom is blind since 2005) collection for a bill that is 10 years old. It is 4 years past the limit. This is also not her fault. My wife had a abusive ex. He was rich, great job and loads of money. He had put it in her name and told her he was covering it all and paid for it all. This place has no right to do this. Plus they are harassing a blind person.

I am getting at least two - sometimes MORE - phone calls from this company on my landline, usually between 8 a.m. and 9 a.m. Central Time, and again in the afternoon between 4:00 and 5:00. They are almost never from the same number or even the same area code. The company name shows up in my Caller ID window and when I see it I automatically don't answer it. They never leave any messages saying who they are and what the intent of the call is, nor have I ever received any sort of written communication from them - either by email or snail mail. These calls have been coming in from them for probably close to a year now; I don't remember when they started.

They are continuing to call me regarding a debt that is over 15 years ago. They claim they will continue to continually call me until I write them a letter to tell them that it's past the statute of limitations. This is illegal. They are hounding me to collect a debt that they can't do. I am retired and my only income is social security. Why in the world would I take any of my limited income to pay a debt that is well past statute limitations?

I have disputed a collection from them on my credit report and they lied and changed my dispute subject on my credit report so the credit bureaus would leave their entry. I hand wrote a letter to the credit bureaus stating precise proof of a contract with my signature on it or remove it from my credit report and portfolio. Sends me a letter stating they are not going to do anything and that my dispute is frivolous. Talking with an attorney about this matter.

I had a credit card with Bank Of America that was charged off as a bad credit on my credit report of $697.00. This company bought my account and has harassed me, taken me to court, sued me, and has a lien on my house. I'm disabled and 67 years old, get $753.00 a month social security disability and food stamps. I would pay them if I could. I paid them for 2 years at $10.00 a month and the bill wasn't coming down so I quit paying them and that's when all else came about. They called me day and night and a guy on the phone was rude and kept interrupting me and wouldn't let me talk. My house is falling down and I need to sell it to pay them, but can't sell it with the lien on it. They have tried to get in my bank account where I have direct deposit of my SSI and SS. These people need shut down by the Better Business Bureau for their shabby practices.

Portfolio Recovery is one of the worst companies I have ever experienced in my life. These people are pond scum that the government should really be investigating and suing them for constant harassment. They call me every single day, early in the morning, now around 7 and 8 at night, on weekends and weekdays, non stop, although I have literally told them over ten times to stop calling and that they have the wrong number. They call me with about 10 different numbers and I've blocked them all, now they're calling undercover with unknown phone numbers. This type of harassment is disgusting and vile and this company should get the crap sued out of them. If they call you, report them to 1800 do not call every single time and eventually they will be investigated. I have been on the do not call list for over a year now so there's no way this type of harassment can be legal. Horrible company.

More than 8 years ago, my mother-in-law passed away. 3 months later, my brother-in-law died. We got a call from Portfolio. My husband explained to the guy on the other of the phone what had recently happened when the man interrupted him and literally called him a liar. He said there was no way was he gonna believe his story and that he had better pay what he owed. He called him more names then swiftly hung up on my husband. I tried to call the ** back but all I got was an, "Unable to connect." Obviously, the phone he was calling us from was outbound only. Imagine that.

I have been getting several calls from this company stating that I owe $484 from Capital One. I went on Equifax's website to look at my credit score and I see that this company is on my credit report as well. From what I recall I already paid Capital One all the money I owe them from years ago so why is this PRA company harassing me with 25 phone calls, threats and trying to get money from me. THIS NEEDS TO STOP AND GET OFF MY CREDIT REPORT NOW!!!!

A few months ago I had a Deputy Sheriff arrive at my door with court papers from Portfolio. There was no court date and nothing regarding the debt to properly assess the situation. It turns out that they obtained an old debt which was charged off and decided that they could resurrect it and get money from me for themselves. After months of fighting with them, trying to get documentation of the debt and such, I gave up and paid them off (in protest) what I didn't owe because it was cheaper to pay the small debt than continue to pay legal fees to fight them. They were found in violation by the State of NY, Bureau of Consumer Frauds and Protection but have just switched States and continue their practices using attorneys to file lawsuits and harass people at their work. This is a very crooked business.

I have an old debt that went into collections and this rogue collector of debts bought my debt. At first it kept calling my sister and threatening me for deportation (I came here legally). So I called them and found out that the debt was mine. Started paying monthly (last payment will end next month). What this debt collector is doing now is digging and looking at our credit reports looking for possible accounts that they can collect then sell it to NCO although there has been a decision for Portfolio to stop collecting debts and stop selling them. So Portfolio is still doing this but in the guise of another collector NCO.

I have received more than twenty five calls from these folks from various phone numbers. I have ask that they don't call but this means nothing. I have resulted to blocking the # but they just call from another one. The debt that they refer to is not mine. I wish they would just go away.

This company has been mailing me a bill that belongs to someone else with the same last name. I have called and emailed them several times to no avail. They even mailed me a copy of the original application of what this person filled out and I could see even though they blacked out the SS# which you can still see, it clearly does not belong to me and CA address used was not even mine since I have never lived in the State of CA. This company is just mailing every person with the same last name hoping they can catch them.

These deplorable people keep calling me on a 13-year old debt. I am 62 and retired due to disability. I had a catastrophic illness resulting in a 12-hour spinal surgery and had to retire early, leading to many financial hardships. This debt was charged off, I incurred the consequence of bad credit for many years because of a debt of $789. I had a hip replaced less than two years ago and will have a shoulder replaced in 2 weeks, in addition to metabolic illness. The only relief I will have from being low-income is when I die. I don't need them pushing me into an early grave because of an old debt they have sunk their teeth into. I am almost afraid to call them because I do not want them to put it back on my credit report. I need my good credit for medical reasons and must protect it.

Portfolio Recovery are one of the most unprofessional businesses I have ever had the displeasure to encounter. They sent process servers to my 89 year old mother's house several times looking for me and pretending they knew me. They came to my house after dark asking for me. They also sent a deputy constable to my mother's house twice about a credit card bill. I have never had anything more than a speeding ticket and they sent a deputy constable that was in uniform, driving a constable car to my mother's house like I was a murderer or had warrants, which I do not and I never have had. They are a disgusting group of people!!!!!!

I was unable to make payments on a department store's credit card, due to a job loss. The balance ended up going to numerous collection agencies. Last year, the court constable was on my doorstep, explaining to me about a lawsuit. He suggested that I should contact the lawyer's office to set up payment arrangements. According to the lawsuit, there was no court date given. Although I did appreciate them working within my budget, and to have everything documented, the court constable knocking on my door to serve the paperwork WASN'T NECESSARY!!

Lost case. Had to defend myself because of cost of an lawyer. This happened in Greenville, SC. SC has nothing to protect you from debt buyers, they let them represent themselves as debt collectors. It's like a kangaroo court in Greenville County Common Pleas. The Portfolio accomplice in our part of SC is Richardson and Plowden (their lawyer is Adam **). They (the state), have done one thing to help and that was to create an ADR (alternative dispute resolution), which is mandated in our county but somehow was removed from my case.

I received calls from PRA regarding a charged off store credit card that was mine and I did not pay off due to financial troubles. I felt that I shouldn't have to pay PRA because I never signed any agreement with them. What I did was sent them a certified letter using this debt verification letter: **. I received a letter back within a few weeks stating they would put my file back into collections, however they couldn't exactly provide all the items I required (they were bluffing hoping I would call them and send money). They never called back and it's been more than a year since I've heard from them. If you have any questions or want more details just ask me and I will see if I can help.

I was sick with Crohn's disease, living in the middle of nowhere and my three year old son had just been diagnosed with special needs. Our bills began to add up quick to 16,000$ and I was unable to work due to my illness. We had to walk away from our home, our bills, everything. Portfolio is a big talker. They talk the talk but can't walk the walk. They kept sending threatening letters and eventually sued us in court. My husband answered the complaint and we hired a firm to help us. We were told to be prepared to pay at least half of what was owed.

Apparently I owe Cap 1. This company has been calling me At Work. I don't get any bills or notices but they somehow have my work number. Really irritated and want it to stop. I just got my class action check from Cap One.

Idiots kept calling my wife looking for somebody else. They wouldn't believe us. Even when we sent it a letter stating we were who we said we were and a copy of a utility bill. Worst people ever here.

NOTHING, as in zero dollars and zero cents. PRA buys records of signed-off debts from banks and other lending organizations. They collect on debts that are years old, invalid, paid or otherwise - these are not valid debts and you DON'T OWE MONEY ON THEM. They've had to pay out hundreds of thousands of dollars in lawsuits for this deception, as well as contacting folks during off hours, at their place of business, etc. There's rules about when a company is allowed to contact you, and these guys pretty much break all of them. Go to the Better Business website and look them up - they have an alert on their account, as well as over 1,200 complaints.

I'm getting weekly calls from this company, every Saturday. And they're looking for someone with my same first/last name but (now that they call so often) I quickly inform them I am NOT the one they're looking for & then they'll ask for middle initial or SS#. And every call I'm told they're going to note/remove my number. Lady this morning was super nice & told me of the company that’s doing the "fishing". They're easy enough to find online, portfoliorecovery.com. Would be awesome if they stopped calling.

Portfolio recovery has been calling my phone already 5 times.They are harassing me about my ex husband of 10 years acct? I told them it's not me. They even gave me his personal info and I explained it wasn't me. Why were they harassing me?

Wonderful.

I had entered into an agreement to settle a debt with this organization in Sept of 2014. I agreed to 6 automatic payments from my bank account. I disputed that this debt was paid on my credit reports and they sent me an all new bill as if it had never been settled or paid. I called and apparently they cannot just look up that they received automatic payments from Sept 2014 to Feb of 2015 and I have to file a dispute and provide proof that I made these payments. Thank goodness they were automatic payments. If I had sent money orders or something I probably would not have proof I paid them. In today's world there is no excuse for errors like this.

I knew that it was my right that if I told them to stop contacting me they had to stop. I told them to stop but the calls continued, threatening calls. They said they could sue me and take everything in my house and my car. Last year I got a letter from an attorney about a class-action lawsuit. I contacted him and we won. In addition to getting compensation, I no longer get any contact from them. No more phone calls and no more mail. If they are harassing you keep a record of the date and time of the calls, the phone number they came from, who you spoke with, and what you told them (such as, stop calling me). Be sure to get an account number and the amount owed. If they continue to call or mail you after you told them to stop, contact a lawyer.

Hi my name is ** I live in South Carolina. I have tried to resolve this matter for some time with PORTFOLIO RECOVERY ASSOCIATES 120 CORPORATE BLVD. STE 100 NORFOLK, VA 23502. Somehow they managed to place a judgment on my credit for a debt I don’t know. I have asked they prove it’s my debt and the debt is over 3 years old which makes it a zombie debt in South Carolina. I have gotten the run around. They keep saying it's another company that did it when in fact their name is on the judgment. I want this judgment removed from my credit. They referred me to Richardson Plowden & Robinson, P.A., their name is not on the judgment. I have tried to contact them and they have not responded.

Try to explain I could pay next month, but continue to be rude and try to say I intentionally committed fraud.

I have lived in my current town now for 7 years. Portfolio Recovery called and told me I owe a debt and the address they gave was one I had lived at 9 years ago and that place was torn down 6 years ago, but supposedly I opened an account 5 years ago for that address for some CC I never owned. I informed them that this has to be a mistake since I have not lived in that town for over 7 years and that address was torn down to make a new industrial park 6 years ago. I asked for proof of the debt and copies of any written contracts, so far 6 months have gone by and I have received nothing from them but constant calls - 3 rings then hang up.

Debt Remains on Credit Bureau - If you have an account with a debt collection company... get a Satisfaction Letter! Letter. This letter is by request only... 30 days AFTER last payment has posted. You can then provide the credit bureaus and courts a copy to escalate updating your information. FYI, Just because you went to court... case dismissed or not... you still owe the debt.

I am a single father with a 50/50 arrangement with my ex-wife for my three children. In the spring of 2009, I had purchased several home appliance items totaling several thousand dollars. I was at the time employed and had every intention to repay the charged amount much more quickly than on a monthly basis. However, I lost my job, my house was repossessed, and I was unemployed for over 2.5 yrs. During that time I could barely support the four of us, was and still am receiving living assistance from family and friends. I was unable to pay any of my credit card bills, student loan bills or any other non-essential bills. Every utility I had on my home was overdue and paid late.

This company buys all the discharged loans for penny and make harassment calls to home and office of debtors and if the person can not be reached, they sue the person and try to get default judgment, and recover the full and court fee. So if you ever get a call please do not ignore and try your best they should not destroy your credit and life for unpaid or paid old debt.

I received a blue letter in the mail from PRA stating that they were collecting a debt and the debtee was Capital One Bank in the amount of $810.36. The name on the letter was my nickname that I use in emails to my friends and also when I have to create an account online for recipes or even this website so that I could post this. I emailed them and told them I had no such debt and also that they somehow got my nickname off of websites or something, because if they were truly trying to collect a debt from me that was owed to someone, they would have used my legal name. They have not emailed me back. I am disabled and haven't worked since 2012. I believe this company is a scam and trying to take advantage/money from honest unsuspecting people. I will also post to the ripoff website after this. BEWARE if you receive a letter from Portfolio Recovery Associates, LLC. We (all of us complaining and posting) should get together and sue this company.

I received two phone calls yesterday from a Ms. **, one on my cell phone and one at my place of employment. Ms. ** left on my work voicemail that I was being investigated for check fraud. This is harassment and I never received any type of written documentation to prove this. Then she calls me on my cell phone while driving home and I told her I didn't know what she was talking about and said she could not tell me who was filing the charges I had to call another number. I told her I was driving home from work and could not play her games.

Portfolio recovery sued me two times and lost each case but it still shows on my credit report. Does anyone know how to remove this?

I'm an instructor at a tutoring center and they have been calling my work. I told them they were not allowed to call and she got belligerent with me. I had parents walking in the front door as I was trying to get off the phone. She said she had confirmed my employment and I had to give her a cell phone number. I finally just hung up on her. I then looked up the Fair Debt Collection Practices Act (FDCPA) and it states that if it is 'inconvenient' for you to take calls, they are prohibited from calling. They specifically mention teaching, along with hospitals, funeral homes and restaurants. So if they call you and you work in a similar field, just refer them to the FDCPA. I still can't get a straight answer out of them as to which debt they are supposed to be collecting on also. They are just slimy beyond reason!

Periodically I receive harassing phone calls from PRA. I just let it go to voicemail which they usually hang up. The few times I've actually talked to them, they have been evasive over stating they are a debt collector, and they are asking for me by a name I haven't used in over 20 years. They can go pound sand as far as I'm concerned!!

Been receiving calls past 6 months and every time I talk to them, they have different stories. This time insisted they been sending me letters to another address past year and then kept insisting for new address when I was questioning why I never got them. They also refuse to send me a billed form in their address on letterhead cause they don't bill or send letters out. Really confusing...and was told before they bought the debt from other collection agency. But this time, woman told me they got it from Capital One. Don't think they can keep story straight. Also, what is confusing owing the rebate isn't on my credit report. I truly believe they are scammers.

My main complaint is that Portfolio Recovery are not as understanding as other debt collectors I've dealt with. They always make sure you know that your account is with their legal department, each new caller needs to know your whole story (I believe they do this so they know it's you even though, if it wasn't me, who else would claim to be me and owe a debt), and they make you feel as if you had committed a crime for being unemployed and not able to pay the debt. I suggested that they should have a special department that hires debtors and have them work until the debt is paid. You would have far less clients who owe a debt.

I have some debt from 2003 that due to incapacitation of sorts I was unable to pay them off. I'm still unable to pay off these debts due to the job market in my area. (I'm a contractor and barely making ends meet) I get calls from portfolio recovery weekly trying to collect these debts, while interest on them keeps accumulating. These people do not give up. I have never talked to them (I keep hanging up) or acknowledged the debt in any way. How can they keep getting away with this?

1 1/2 years ago I was diagnosed with breast cancer. Went through surgery and radiation; Off work for 5 months. We fell behind on car payments and this company was bought by our previous lender, and said that they would work with us to get caught up. Keeping to the agreement, we were making payments to PRA and then they send a repo man out and take our car. Calling and talking to this horrible company they want more than what we paid for on the car. And now to get my belongings out of my car I have to spend $75.

These are people are just scammers. If they're a bunch of professionals, why would they keep you on hold for 20 mins on the phone, not reply to emails, have a website that does not even work and every time you click on it, tells you there was an error or the page is under maintenance? Shocks me that your website has been under maintenance for the past 4 months! Best way to beat these guys -- Ignore their calls and get a device to just block all their incoming calls.

These bunch of thieves being after me for many many years to collect credit cards debt, calling me day and nite as well their lawyers. I'm 62 years old, my income is very low and I'm still willing to pay them as much as I can. Now they are trying to garnish my income and deprive me from paying my mortgage and other bills.

I received a collection letter for my stepson who is a career criminal and has been using our address. I called the company to explain and the first woman hung up on me. The second woman simply said she would remove my name but she didn't know my name and I didn't tell her the name of the debtor. I asked her if she needed some information and she repeated "We'll remove you from the system. You have a good day." And with that, the phone went dead again. I'm sure I'll be hearing from them again and it isn't even my problem.

Over the past year, Portfolio Recovery calls harass us from all over the US. We can't get any information from them on the supposed debt from them. We thought our debts were paid, however we lost (via moves) some files & paperwork. We'd pay the debt, if we indeed owe it. We want statements showing the debt incurred to avoid duplication, but they decline sending proof. How can we STOP this waste of our time!

I have received many missed calls from 5103433502. I finally called, and after hearing the company's greeting that they are a debt collection agency, I knew that there was no way this call was for me. The first rep asked my name. I told her to remove my number from their calling list, because I do not have any outstanding debts. She instantly became hostile and said, "No one said you owed any money! What is your name?!" I told her that she didn't need to know my name, because I have no debts. With much attitude, she said, "I don't like where this call is going! I don't need to argue with you!" She then promptly hung up on me.

They purchased a package of City group charge offs. The problem is I didn't owe City or Port Folio. They posted this on my credit. Report immediately. After purchase then calls started so I informed them this was a mistake. Next, I get letters with demands, calls 10 to 15 a day at all times and come from different numbers. I contacted the main branch in Horsham Pa. Sent them and all 3 credit agency the same as a dispute. All 3 removed them from my reports. Calls have continued till this day. I have traced some of the calls, they go to residents homes all over the country. This is clearly a debt not owed, they have been sent the paperwork to prove it. If it was a legitimate debt, the credit agency would not have removed it from my reports ASAP and have stopped them from putting it back on.

I had a Capital One account many years ago. I made arrangements to have this company take money out of my checking account first weekly then as my job changed bi-weekly. In 2006-2007 I got my balance low enough to have them take out the final balance taken out. They did do this and NOW 8 yrs some woman named Stephanie called and had the nerve to tell me I hadn't paid them. So I called this woman a ** and told her I have a receipt for said transaction and if they didn't do the job right that is not my problem. I'm in the process of calling the necessary authorities to report them...Thank you.

I have less than $10 in debt. Yes, you read that right! Less than $10! Yet I'm getting calls for God knows what! The ONLY debt on my credit is one CC that stays paid off!!! I get phone calls as early as 8:01am. I looked them up and their time zone is an hour ahead. They call at open! This is absolutely insane! I work overnight so they call as soon as I fall asleep, and even told them this. Yet the 8:01 calls persist. There is no reason I should be getting any calls whatsoever! I have had to add a blacklist to my cell phone to decline all unknown numbers. Although I haven't let them talk because they rudely wake me, so I have no idea if these calls are for me or someone else who used my number!

This company has just recently sent me a letter about "a debt I owe." They say the debt is for a Capital One account, in which I "took out a loan." This normally would have me worried, except for one tiny fact: I don't have a Capital One account. This company either fake, or they don't know what they are doing. They can take me to court if they want... I could use some extra money in my pocket.

I received a call from a local number today and the voicemail said I have been named in a fraud case as a person of interest. First off it was a recording that told me this because it said to call them back or press 1 to be connected to the office. The number I was given to call back is an 844 number which on a search comes back as having multiple complaints. I tried calling the number back typical normal business hours, it rang about ten times before the voicemail of a Miss ** of portfolio recovery asked me to leave a message with my case number. I'm thinking this is not a legitimate business or at the least not a very reputable collection agency. I contacted the district court today to see about any such case or how to go about finding out if this is true.

I have been receiving calls at all hours, as late as 1000 pm and early as 700 am. This happens on weekdays as well as weekends. They are trying to collect on issues that in some cases are 10 years old. This has caused me to lose employment opportunities as well as student loan opportunities. I can't buy a car or get a credit card. One account in particular is HSBC which is over 10 years old. They are demanding 1500.00 for a card with a 300.00 limit. I need them stopped.

ENOUGH IS ENOUGH. I am now seeking legal assistance. BUT--VERY IMPORTANT--when simple internet research would lead one to logically conclude that the wrong person is being contacted, and when he has told you this before, WHY DO YOU KEEP HARASSING HIM?? Conclusion: because you are stupid scumbags. That is my review. And here is my conclusion: Destroy this scumbag group with maximum prejudice. A reward will be offered. Legal entities: Contact me for further details.

I called today to see what exactly this company was reporting negatively on my credit report. The girl had no information on my account, only that I had an outstanding bill. Rather than give any information all she tried to do was get me to agree to pay the bill that I had no information about. I smell BS! This company needs to get their ** in order.

I was contacted by a representative named Autumn, who was very nice. However, the next person I talked to was very rude. I also talked to 3 other people after that who were not nice either. I'm not sure how these people conduct business like this. Something needs to be done about it. I FINALLY got what I wanted after speaking to 5 different people and having to agree to set up a payment on a later date. All I asked for was a letter to show that I was agreeing to pay my debt in full; apparently, that's too hard to do. If there are any other places I can go through to file a complaint I will be. They are rude and mean for no reason. I'm telling you I am willing to pay you but you are talking to me like I am dumb. NO. You are a place of business. You act like you have a little common sense and respect and then you'll get your money. I could go on and on about this company and how they allow their reps talk to people but I'm sure it won't help anything. Good luck to the others that have to deal with this company.

These people tried to sue me over a Care Credit Card I opened in 2011. I fell behind in the payments and they bought the debt. They filed a lawsuit against me and I got scared and called them and made arrangements to pay them the $976 they were suing me for. A few months after I made the payment arrangements, they sent me a form to fill out that was to go to the local court. I called PR about it and asked if that meant they would report it as a judgement on my credit report and they said no, that the court just needed it for their records. So I, like a dummy, filled it out and sent it in.

This company is unethical and does not practice within the law. After being informed that an account was time barred, this company filed a lawsuit.

I called Portfolio Recovery and gave them my son's cell phone, who is unrelated to the account and has nothing to do with it. I was told by Betty ** that they did not have that number on the account, and I told them that "You must have. You called his cell phone. Remove it." I then spoke to a supervisor who said they would remove it, but again denied they called the number. I asked what this was about, and got put on hold for 10 minutes and hung up. I do not know why they called my son's number and asked they stop. I also don't know what the debt is for and could not receive an answer over the phone. I am especially upset because they denied they had my son's cell phone when my son told me they called him first.

This company calls 7 days a week! Everyday! Doesn't leave a message at all! I have received all the calls at home! Don't know what I owe!

My son has a debt that Portfolio Recovery has taken over. I paid this debt of $125 with a check, which was received by Portfolio Recovery and deposited by them. I have a copy image of the check which clearly shows that they received and deposited it into their account. Yet my son's debt has not been cleared and the check has not been posted to his account to bring his balance to a zero. I had to fax these people a copy of the check. I called today and must now wait and call again next week to see what they have decided. What is there to decide? Apply the check to his account and call it a day! How hard can it be? These people are really working the last nerve and I have been really nice. But if this nonsense continues, I am going to have to bring something against them for keeping the money and not applying to where it should go.

This company has claimed that they bought a debt owed by me and we go to court tomorrow. They have failed to produce any evidence that they own anything; nor can they substantiate what were the actual charges that make up this debt? Anyway, they have harassed and sued me hoping I would pay I guess, but they are in for a rude surprise when we actually show up in court and they can't come up with anything for this supposed debt.

I had a bill with Capital One from ten years ago. Well now these idiots call me like crazy and threaten me all the time. I told them and asked them how did they get my cell number. They refuse to say how they got it. They tracked it down illegally and I always tell them over and over to stop calling or I will sue them for tracking my number down and calling without "permission". Now it gets better, lol. I just started a new home land line for work so I can do faxing to my corporate office in Illinois and, lo and behold, they tracked me on that number and immediately called my home line and left a message there. Yes, you guessed it. I never gave them that number cause I am not that crazy to give it out to them to begin with and they still did the illegal maneuver and called me anyways - just a few days after I got that phone line installed.

This company calls at all hours of the day, never leaves messages and are apparently trying to collect a debt that does not exist. My spouse and I (both 60+ years old) have not owed anyone anything for several years (since we paid off our home). They will not tell us what they want, and all the credit sites say not to interact with scam artists like this. How can I get them to stop calling multiple times in a day, and several days a week? And advice as to how to get this business in your state to leave us alone would be greatly appreciated.

I keep getting harassing calls at work, I gave them my cell number and asked them to stop calling me at work. They now call, ask the receptionist about me and hang up. It is very embarrassing to get these calls at work.

I have been involved with a debt collection from Portfolio for about 4 years. The numbers keep changing! In Oct. of 2012, I owed, on a judgement $2012 and some odd cents. After making $50 a month payments for 2 1/2 years, I owed $1900. Then I was given a pay off of approx $700. Then the number jumped back up to $1400, then $1900. There is definitely something very, very wrong with this company. It is a judgement and no interest is to be added, but there is no way I paid $1600 and still owe $2022 in 2013 or $1900 in 2014. I ordered all payments to be stopped. This debt is way past recover time as it's from the 1990s from a Visa credit card debt. What an accounting nightmare!! End result, after making all these payments, my balance went down $160.00 over that time frame. The IRS should do a complete audit on this company!

As of yesterday I received 5 letters from different attorneys saying that I may be sued by portfolio recovery and they can garnish my wages. It is due to not being able to pay a old credit card that I stop making payments over two and a half years. I don't know what to do. I don't have much money. I work at Walmart and I have two kids.This really has me stressed. Should I try to work out a plan with portfolio or just go to court and see what happens.

Like everyone out there, I believed in this company. It started from Dave. From that point on after being lured in, I had no idea who all I had spoken to. It went to a funding coach then another guy claiming to help us get an LLC that I paid for and a DNB account that I also paid for. I was charged an activation fee of $298.00 and then followed $2,000. All the other stuff to get the business started, $1,500. Lot of money, this company should feel ashamed. My finances went down from there. I have gone so far down I almost filed bankruptcy to pay off my debts. I get this letter every so often that I owe them $2,811 which is a part of unsecured business funding called Portfolio Recovery. Is there anyone out there that can tell me how I can get my money or press charges because they broke the law? They are nothing but a bunch of thieves. If I'm not the only one here, why hasn't a class action lawsuit been filed?

On February 20, 2013, I contacted Portfolio Recovery Associates to notify them that I filed a protective order on one of their employees (my ex-boyfriend) and to ask them questions as to why they are not cooperating with the police. A woman in the Human Resources Department named Kirian told me that no police officers had dropped by. She even put me on hold for a while, claiming she was asking someone at the front desk if they had seen any police officers. I told her the police had no reason to lie and say they had been there several times before and they couldn't locate my ex-boyfriend. So Kirian gave me a suite number to their office and told me to have the police come back. She told me to call back, then I asked for her name so that I could call her back directly.

Portfolio Recovery Associates has recently started calling me on a credit card I had in 2006. I worked for a department store named Gottschalks which offered a company discount through their in-house credit card financed with HSBC. I applied for one at my hire date. I was always on time with my payments. Gottschalks went bankrupt several years ago. Before I left the company, I paid the credit card with a portion of my last check, which was an option at the time. Portfolio Recovery Associates has called and harassed me several times this month. I am unsure how they obtained my new cell phone number (I switched carriers last year). I disputed this account through the three major credit bureaus.

This has been 6 months. Now, they are calling my 90-yr old father? I have no idea how they got his number. Four years ago, I called and told them to cancel my card and I began paying off the 300-dollar debt in larger payments than asked for. Then they told me they did not receive my payment and began to slam me. I sent them proof of money order and receipt from post office. This has gone on a long time. This was to the original debt holder. I am on social security disability & food stamps. My health got pretty bad. I have been in the hospital 3 times in 6 months. I do not owe this debt anyway. You can check my SS number and see if this is not true. What is there to protect me? Why, knowing I am not going to pay for I have no income, do they keep calling? They enjoy it. The phone has changed over to my son for he wanted that number. You can check that too. My son in the military pays for me a cell in his name, so I can call him.

I was contacted by an African American, who would not give her name, stating I owed $169+ on a Kay Jewelers account, which was delinquent in 1991.

I have been receiving calls from this company for nearly 2 and a half years. It is about a credit card that was paid in full to Capital Federal Bank in Overland Park, KS. My husband who died 2 and a half years ago paid this card off over 15 years ago. They sent us a bill about 3 weeks later saying we still owe them something like 35 or 45 cents. Not dollars.