Portfolio Recovery Associates
Reviews and Complaints

To whom it may concen my is Rosa Linda Gonzales you send me a bill from southwestern bell these bill i do not owe these is 27 years old. I have always paid my phone bills on time please take care of these matter right away. thanks Mrs. Gonzales

To whom it may concen my name is Rosa Linda Gonzales you send me a bill from southwestern bell these bill i do not owe these bill is 27 years old . I have always paid my bills do think i would let a phone bill go that long without my knowledge. Please take care of these matter right away. Thank you Mrs. Gonzales a no. [protected]

to whom it may concern: my name is larry ferguson i'm writing this letter to you because you have been constantly harrassing me about an account that i have no knowledge of. this account is not and never has been my possession the reference number is as follows:[protected] in the amount of 14, 100.90 i have never been a client of capital one and never intend to be. what you need to do is carefully check your files and the id that the person gave you to establish this so called account and do your job, because if you continue to harass me i will resort to class a legal action against you and all others involved this better happen immediately or else .otherwise the first thing i will be sueing you for is slander and false accusations.as i stated earlier this matter better be resolved within the next ten days or else. thanking you in advance Larry Ferguson

I RECEIVED A LETTER STATEING I OWE A CREDITOR HSBC BANK THE AMOUNT OF 590.51. UNFORUNATELY LIKE MANY OTHER PEOPLE MY FINANCIAL SITUATION IS LOOKING GLIMM. I AM A VIETNAM VETERAN HAVE HAD JUST BE RELEASE FROM THE VA HOSPITAL. YOUR LETTER STATED A OFFER OF SEVERAL PAYMENT PLANS. CAN PORTFOLIO EXTEND THIS OFFER TO ME OR MAKE OTHER PAYMENTS PLANS A LITTLE LOWER. I WOULD ALSO LIKE TO KNOW CAN ORCHARD BANK JUST CANCEL THIS AMOUNT OUT. THANK YOU FOR YOUR TIME CONCERNING THIS SITUATION. I AM ON SSDI AND ITS HARD TO MAKE ENDS MEET, JOHN J DEPINTO SQUEAKY.53@HOTMAIL.COM

Hsb card I do not own such a card. My personal has been stolen in year 2010 from storage of personal thing like my passport, birth certificate and importance paper that has been recover. I never use credit card (HSB) I ONLY USE CREDIT CARD FROM BANK ONLY, still having problems I wrist the bank because money is away being delete out of my account with my knowing or there no money in the account at all when I know I put money or check into my account. My job the same problem, now I do not have job. The bills was exceeding my check every week and you taking money from my working check (VNA) in years of [protected]. Plus had a car accident on the job in the year 2009 in the spring time. I do know of hsb card or bill, so stop calling me about someone bill which is not my bill. It mean somebody is using my single name, (you need to fingerprint that person). I NEED GET MY OWN FINIANICIAL STRAIGHT OUT ON MAKING A LIVING FOR MY SELF TO. What kind of help is this making situation woist then it is now throwing my name on bad credit.(stop scamming me for reason). Stephanie Hinton reach on 07/25/2012

I have just received a letter from PRA that I owe Capital one 3000 dollars. I have no knowledge of this nor do I ever remember having a Capital credit card. No dates or info as to what it was about... A real SCAM.! ! !
[protected]

total ripoff!

I received calls twice from [protected].
Caller ID: TOLL FREE
Call dates:
10:12am Tue 04 AUG 2011
12:34pm Tue 09 AUG 2011
Answering machine picked up but caller left no message.
Web search using search term ("[protected]") on http://ixquick.com/ reveals:

[protected] is on this company website:
http://www.portfoliorecovery.com/customers.php

[protected] is also on this company website:
http://www.creditreportproblems.com/Anchor_Receivables_Management.htm

Better Business Bureau listing gives an 'A+' rating:
http://www.bbb.org/norfolk/business-reviews/distressed-debt-purchaser/portfolio-recovery-associates-in-norfolk-va-51000164

I encourage everyone to go to Bud Hibbs website to see the criminal nature of this 'collection agency':
http://www.budhibbs.com/collectorpages/portfolio_recovery_associates.htm

Better Business Bureau seems to be a 'Pay-2-Play' operation:
/link removed/

Thanks to your site I am finding this is one more troll attempting to collect on bad debt placed into my credit history files by criminals who have stolen my personal identification. I have submitted multiple criminal police reports and copied those reports to county & state prosecutors and to the Federal Trade Commission and nothing gets done to help me recover my good name. I pray that others who are suffering this injustice meet better success than I have in restoring their good name.

This is in regards to my Capital One Bank credit card. My work for sometime has been very very slow, and it's difficult to pay on this. I would like to know if I can send what ever I have and it will be applied to the principle not to late fees, or over the limit fees. When my work picks up I can get back on track. My account [protected]. I hope to be caught up on this in the near future but at this time its been very hard on us. Let me know if you can work with me on this.
thank you
Dan Johnston

I have recieved a letter from Portfolio Recovery ###.LLC. stating i owe Orchard Bank $534.81 acc.#[protected] i havent owned a credit card in 15 to 20 years and the statment doesnt give purchase dates nothing.Unless they cough up facts of purchase or some means to prove i owe i am gonna look at this as a scam and will pursue legal action.

Yep, sounds familiar. Sorry you had to go through that. I changed my # twice on cell phone because of B.S. like that with Capitol One. I've NEVER had a C.O. credit card! They kept leaving automated messages from "Karen" and to return the call you had to have a ten-digit credit card (which I never had) to get through. A rep got through somehow and i spoke to the woman and she was extremely rude. I tried to explain, nobody believed me. Don't they know that you can get more flies with honey, not vinegar? Hello! Be rude and people get angry. Anyway, i hope your sit. gets resolved soon. Mine did by changing my # to a new prefix.

Thank you, everyone, for your feedback. We understand your concerns about the broker being trustworthy.
However, IQ Option is a well-known broker, having over 52 749 716 users, who would certainly quit the platform if it did not deserve trust. You can always check the Terms and Conditions of the company on the website. We assure you that we always follow all of our Policies and are expecting the same in return.
IQ Option is neither a casino nor a betting site, though trading here presents a high risk of losing your capital, which is why we always ask our clients to be fully conscious while investing their funds.
Please, mind that our employees don’t trade on your behalf. Their services are free.
Our employees don't work with traders through Facebook/ Instagram/ WhatsApp. It means that any broker
- contacting you through social networks
- claiming to be our employee
- asking to send money
- promising a big profit in a short time or a recovery of your funds
is a Scammer.
Please, be wise and don't let others take advantage of you. Those people are the ones to lure you.
You are always welcome to join us in live chats/calls or via email support@iqoption.com. Here is how you may reach us for a detailed consultation in any matter https://iqoption.com/en/contacts. Thank you. Have a lovely day!

this company sux, and isn't legit. Don't send them a penny and contact the Better bus bureau and/or attorney General. yes they prey on anyone who they think they can scare into sending money! Don't send a penny, and always ask for proof in writing, but even if they send you proof, it still can be scam artists doing that !

DO NOT agree to payment arrangements until you have verified the calculations BEFOREHAND! They screwed me out of money on a settlement because the guy could not divide a payment by 2...so I lost over $100 because of HIS error...and their excuse was that the Vice President approved the settlement... PLEASE! the VP would not be in charge of approvals...senior management would... I am sure the VP was working the call center at 8:30 pm at night... make sure you write every person's name down that you talk to... you have to ASK them because they do not say their name when they pick up... :( At least I am DONE WITH THEM FOR GOOD ! LOSERS!

FRAUD - I have never been late with a payment ever. I woke up 2/11/18 to a drop in my credit score of 46 points due to PORTFOLIO RECOVERY. This is a fraudulent attempt to collect on a non existent capital one charge. They asked for my name, they didn't even know it. They thought my name was Christopher and lived in a different state. I spoke with someone that said probably the social was entered wrong. This is going to be a big issue trying to remove. They have to send out a package and I have started dispute. HORRIBLE company.

No LEGITIMATE organization calls & asks for "YOUR BANKING INFORMATION." That is ALWAYS A SCAM. NEVER GIVE ANYONE, your personal or banking information over the phone. Today it's May 13, 2017; with the information age, these attempts to defraud people are far worse now, than ever before. NEVER give anyone, or any organization your personal or banking information over the phone, over the internet, or by mail. If you don't know them, it's more likely an attempt to "defraud you, " than a genuine claim against you.

I have a case in small claims court brought against me by Portfolio Recovery Associates LLC. At the trial earlier this week I asked the court to dismiss the complaint based on lack of evidence and PRA attorney said they did not know in advance that I would require documented verification of the debt and a witness with personal knowledge of the debt and the account it arises from, and if they had known I would come to court demanding that proof they would have brought it to court. Their attorney claimed that my failure to get this debt verified within 30 days of their initial contact with me means I have no legal right to ask for verification now.

What happened next was so appalling I still cannot believe it: The judge adjourned the hearing to a later date to give PRA more time to gather together proof of their claim. Their attorney stated the witness with personal knowledge of my account that I am asking them to produce will be an employee of Portfolio Recovery Associates. Seriously folks...it seems the good judge will accept that PRA employee as a witness with personal knowledge of my debt and the account that it arises from. Wow, just wow. PRA attorney has no shame, but that's to be expected with bottom feeders like debt buyers. The most unbelievable of all that transpired is the poor judge seems to not be aware of how this is supposed to work.

When the Judge asked me what I expected to see as proof I listed some important documentation that was missing in their evidence, things like an initial contract I allegedly signed, actual date a credit account was opened, itemized transactions over the life of the account including charges, payments, interest, penalties and other fees if any, to verify that there is actually a debt and for what amount. Without documented account history how can any of Portfolio Recovery's claims be verified?

Anyway... the judge asked PRA attorneys how much more time they needed to prove their case and they asked for 30 days. And surprise, surprise...they were awarded 30 days. Plus, they don't even have to appear for these small claims cases they file in my county--they just phone it in. Seriously, folks, the Defendant (me) was ordered to appear in person but the Plaintiff may continue to appear by the phone!

Portfolio Recovery Associates LLC, filed this legal action, then came to court unprepared to prove their allegations! The case should have been dismissed for lack of evidence. They brought nothing to court. Nothing. And the judge is a piece of work, too! His whole attitude was such that I got the impression he resented me for even appearing to contest this action because in my county, Portfolio Recovery Associates small claims actions are cranked out by the dozen, month in and month out. Debtors don't bother to show up because, well, I am a glaring example of what happens when one does! Neither the PRA attorneys and this county judge are used to having to work for anything...it's all done by default here...no one ever comes forward to challenge PRA here.

Until I came along. I gave them a run for their money. And I forced the judge to actually look at the evidence and not just assume the claim is valid. Judge actually has to do some work, and he is not happy about that

I realize now that I have a snowball's chance with the legal system here. Maybe PRA has this judge in their back pocket. Or maybe judge is ignorant of laws governing what constitutes proof in debt collections. Whatever is going on here, this judge did not even try to hide his partiality to the Plaintiff, PRA.

Portfolio Recovery will win yet another case, not because it has merit but because the judge has bent over backward to give them the benefit of all doubt.

And then I will file an appeal. I will take this before a new court and new judge, hopefully one that has a clue not only about federal collection laws but legal procedure mandating that this case should have been dismissed when Plaintiff appeared with no proof of their claims. In spite of all that has gone down here, I still have confidence that not all judges in my county court are obtuse. Or God forbid--corrupt?.

My question is how do you get them to stop.. I receive a bill from them stating that we owe such and such from Capital One.. when we had already paid them off.. So i wrote them back told them we paid this off.. They sent another letter stating i need to send them proof.. REALLY? this company calls from alot of different numbers.. i can't block them all.. but they have said that they BOUGHT these accounts and collect.. CAN THAT BE LEGALLY DONE? It is 2015 and I see these complaints going back as far 2008 if not sooner.. why hasn't anything been done to horrible company? I found a lot of helpful information on just reading the complaints. This is getting crazy PRA, Allied Interstate are ones that buy OLD DEBT or as I have been told is that they see debt from way back and decide to go after you for money.. this is why they are making money.. so many are giving into them. I will give in to them at all.. Thank You for your advice and help..

Best thing to do with these guys is to pick up the phone and put it on mute. Each time you do that it costs them a few dollars. Never talk to them or give them any information (they'll rip you to shreds), just answer and put them on mute. If enough people do this, it will no longer be profitable for them to stay in business. They make their money by robo-dialing thousands of people daily, hoping that one or two will pick up and they can sick a 15 dollar an hour employee on them.

I really think they are just a scam company
They sent me a bill for $2637, they claimed it was for a credit card in 1999. Tried to tell me i shouldnt let my debts go so long. So I tracked things down, the company they "bought" the debt from is out of business. The statement said it came from a bank that is out of business.
I called the bank that bought the first bank they have no idea where when or the amount of anything.
So I called Portfolio Recovery again and told them all this it took 15 mins of me talking to a supervisor to get them to open an investigation into the account.
They sent me a letter today saying the account is closed zero balance
This has happened before with the same company and my family. If you dispute it they do an "investigation" and a week later its gone
I did all the work tracked down the companies
If you notice every time they contact someone its a debt that at least 10 yrs old

PRA has called me several times, most of the time asking for someone named Latasha Brownlee who I don't know, and then proceeded to leave a detailed message regarding her personal information and all kinds of stuff. Then they called for me and said that they were trying to collect some information on a neighbor of mine and asked me to call back. I don't know Latasha Brownlee and I wouldn't give out any info on any of my neighbors anyway. In any case, like the other people on this forum, I never call back nor do I ever answer their phone calls. They call all day and all night and even on my cell. I don't know why and I don't care.

I used to work for a sister company of theirs called IGS, out here in Vegas. If anyone would like a full disclosure of the practices they teach, and encourage, in their training, please feel free to email me. MaryBertling@yahoo.com

I also had a simular problem with this company. They changed the date of the account to last year (originally the date was 2005). Anyways, I would think that this is illegal. But these people are obviously dirty. The day after I spoke with him, trying to make arrangements to pay this debt, Very nicely by the way, this person
contacted transunion and added $7.00 to the account to create new activity. Does anyone know if I can dispute this?

Portfolio Recovery continues to file court papers against me on charges that were fraudulent from 2014. This issue was cleared up years ago, and now in 2022, they are at it again. I need this to stop.

they threatened with being arrested and being thrown in Jail if I didn't pay this. In an Email I have a copy of the Email

Hello, my name is Attorney Joseph A. Mullaney, III. I represent Pennsylvania and New Jersey consumers against companies that mis-program their computers to call the "wrong person." I have found that the only way these companies change their policies is to be hit in the pocketbook. If you have a residential (non-business) telephone number receiving unlawful consumer debt collection telephone calls, you may have a cause of action. Did you know that you may be entitled up to $1000.00 under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. and another $1500.00 for each automated (prerecorded or artificial) telephone call under the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq.?

If you wish to speak about your matter, please email me. If we agree that professional representation is warranted, I represent consumers without any upfront costs or attorneys fees. Instead, they will be deducted from your recovery and/or awarded by the court against the defendants. Other terms and conditions apply. I hope to hear from you soon because there are important statute of limitations governing your possible action.

Nothing herein is intended nor may it be construed as legal advice. For legal advice, consult an attorney.

Very truly yours,
Joseph A. Mullaney, III, Esquire
Law Office of Dimitrios Kolovos, LLC
701 White Horse Road, Suite 3
Voorhees, NJ 08043
Tel [protected]
Fax [protected]