Portfolio Recovery Associates, Inc. Complaints

Portfolio Recovery Associates, Inc. consumers have reported over 2,743 official complaints. Out of the 2,743 consumer complaints against Portfolio Recovery Associates, Inc., 22% were disputed by the consumer (i.e. the consumer was not happy with how Portfolio Recovery Associates, Inc. responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Portfolio Recovery Associates, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 53% resulted in non-monetary compensation.

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New Portfolio Recovery Associates, Inc. Consumer Complaints


Portfolio Recovery Associates, Inc. Credit card credit card protection / debt protection

December 6, 2016 - Portfolio Recovery Associates , LLC sent me a collection notice -/-/- on an account they purchased from - -. I then requested verification of this account due to the fact that over the past couple of years I have had - previous groups attempt to collect on this same account, which I attempted verification, and neither company was able to provide verification on this debt. I explained to both of these companies I did not have a problem paying for my debts but I did go through a horrible financial divorce in which an ex husband frequently charged on several accounts in my name, and...

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Portfolio Recovery Associates, Inc. Credit card other

November 26, 2016 - I submitted a debt validation letter to credit collection agency PRA. They responded with - statements both showing I owe $-. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these - statements are debt validation....

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Portfolio Recovery Associates, Inc. Credit card identity theft / fraud / embezzlement

November 20, 2016 - Portfolio Recovery Associates , LLC ( PRA, LLC ) is attempting to collect on an alleged debt in the amount of $1.00, - that is not mine. They are threatening reporting action to the IRS as if the alleged debt was extra income, if I do n't pay them $600.00. The debt is not mine and I will not be held responsible for paying for an alleged debt that is not mine....

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Portfolio Recovery Associates, Inc. Credit card billing disputes

November 18, 2016 - In -/-/-, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in -. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late - I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have receive...

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Portfolio Recovery Associates, Inc. Credit card identity theft / fraud / embezzlement

November 13, 2016 - My ex-husband opened an account with - - - Bank using my name and SS #. His name is - - -, SS # -. The account is now in the name of Portfolio Recovery , Inc., -, VA. in the amount of $950.00. There is a judgement filed against me for this action....

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Portfolio Recovery Associates, Inc. Credit card unsolicited issuance of credit card

August 2, 2016 - Portfolio Recovery is trying to collect on a debt for - - and I have NEVER had a - - account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing....

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Portfolio Recovery Associates, Inc. Credit card billing disputes

July 29, 2016 - This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending - with a social security number ending in - is being correctly reported. I have NEVER had a - - account nor does my social security number end in -. It ends in -. Can they please remove this ONCE and FOR ALL?...

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Portfolio Recovery Associates, Inc. Credit card other

July 25, 2016 - REf # - Portfolio Recovery. The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law....

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Portfolio Recovery Associates, Inc. Credit card other

July 20, 2016 - Portfolio Recovery is reporting me as charged off. It never was charged off...

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Portfolio Recovery Associates, Inc. Credit card payoff process

June 30, 2016 - Portfolio Recovery Associates made an agreement with me regarding - credit cards I used to have they harassed me for months and I eventually agreed to pay. They have never proven the debt I have asked over and over again all they do is send me statements on how much is still owed on the agreement every once in awhile. Today they sent me letters of the balance and it was more then what was owed. I called and a representative said to me after 9 months of paying on time that the agreement was never valid cause I had not paid by -/-/- as in the agreement. I immediately got off the phone an...

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Portfolio Recovery Associates, Inc. Consumer Loan problems when you are unable to pay

June 4, 2016 - When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case...

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Portfolio Recovery Associates, Inc. Credit card credit card protection / debt protection

June 2, 2016 - Portfolio Recovery Associates recently started calling me stating that I owed $760.00 and $900.00. This debt was paid off in - of 2010. The card was destroyed. I have sent numerous certified letters to Portfolio asking the following : The date the card was used The amount of charges made on the card since the last known zero balance ( - 2010 ) A complete transcript of the activity of the card since then. The amount of the debt when it was obtained, and how much interest has been added since then. They always fail to provide me with this information, and instead send me an identi...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

May 18, 2016 - Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

May 17, 2016 - Third party collections bought my debt, which is 8 years old - 7 years ago. They have called my home, my work & various cell phone numbers no less than 4 time a day for in excess of 7 years. They pester me endlessly. Not only does this does this debt belong to my ex husband, not me, it has exceeded the amount of time to take action on and third party collections are non enforceable....

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Portfolio Recovery Associates, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt

May 14, 2016 - This debt is beyond the statue of limitations I am not taking responsibility for the payment...

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt not disclosed as an attempt to collect

May 13, 2016 - On - -, -, at approximately - hours, I received a phone call from telephone number - which is a contact number tied to Portfolio Recovery -. When I answered the call, the collector failed to identify herself, failed to identify where she was calling from, and failed to provide the - Miranda Warning or a - Miranda warning which is a violation -.. The collector was attempting to find my deceased mother who passed away in -. She then demanded a death certificate and when I refused, she proceeded to hang up on me. The same company has been contacting my grandmother an...

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Portfolio Recovery Associates, Inc. Debt collection improper contact or sharing of info contacted employer after asked not to

May 13, 2016 - I keep getting phone calls from this collection company at my place of employment. I have never given them permission to call my employment and if this continues I could possibly lose my job. I do not wish to get calls from them at my employment and this needs to stop immediately. On -/-/--the receptionist sent me this email because I was with a client and the person was rude to her, " Call from - with Portfolio Recovery Assoc. needs a call back at -. '' Today, the receptionist received another call from " Please call - - - ... ask if anything else in the message, she said ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

May 13, 2016 - portfolio recovery is reporting false information on my credit report...

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Portfolio Recovery Associates, Inc. Debt collection improper contact or sharing of info talked to a third party about my debt

May 13, 2016 - Submitted information to the credit bureau after 5 years...

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Portfolio Recovery Associates, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt

May 12, 2016 - Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me....

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt not given enough info to verify debt

May 12, 2016 - I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account - -. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could...

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Portfolio Recovery Associates, Inc. Debt collection improper contact or sharing of info contacted me after i asked not to

May 12, 2016 - Portfolio Recovery bought a - credit card debt of mine from 2009 and for two years calls my business phone line multiple times a day. I consider this harassment. I have answered the phone and asked them to stop calling. PR admits that the debt is - and not enforceable. But their strategy is to keep calling everyday multiple times until I succumb to this harassment on my business line. Can I sue for cease and desist and for damages?...

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt right to dispute notice not received

May 11, 2016 - This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with - in 2015 and they have turned around and out it back on my - file without properly notifying me....

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

May 11, 2016 - Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent - but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt....

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Portfolio Recovery Associates, Inc. Debt collection false statements or representation attempted to collect wrong amount

May 11, 2016 - I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers....

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt not given enough info to verify debt

May 10, 2016 - Unknown company and unknown debt, I have disputed with nothing being received...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

May 9, 2016 - I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by - - - - sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations....

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt not given enough info to verify debt

May 9, 2016 - I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on -/-/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is i...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics called after sent written cease of comm

May 9, 2016 - On or around - -, 2016 - - collection agency representative called my office seeking a consumer on phone number -. Debt collection agency representative refused to give name of company and address to write cease and desist letter. Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In r...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics called after sent written cease of comm

May 9, 2016 - Portfolio Recovery called me on -. I requested they do not contact me. I submitted something in writing requesting this. I received another call on - and today -, again reiterating that I have requested them to cease and desist contact with me....

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

May 8, 2016 - The debt was paid by electronic transfer but the creditor never acknowledged receipt of the payment and turned it over to a collection agency who has called my cell phone repeatedly even when told to stop....

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Portfolio Recovery Associates, Inc. Consumer Loan managing the loan or lease

April 29, 2016 - The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old. ...

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Portfolio Recovery Associates, Inc. Credit card balance transfer

March 31, 2016 - I took out a credit card with - -, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in - ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of pa...

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Portfolio Recovery Associates, Inc. Consumer Loan problems when you are unable to pay

March 30, 2016 - Portfolio Recovery is calling my workplace and sending mail to my workplace and also emailing my boss about my debt. ...

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Portfolio Recovery Associates, Inc. Consumer Loan problems when you are unable to pay

March 29, 2016 - - - ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW ...

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Portfolio Recovery Associates, Inc. Bank account or service account opening, closing, or management

March 9, 2016 - I owed approximately - dollars, to - which was purchased by - -. I thought selling the debt twice was against the rules. While I was waiting for - to be ok 'd, - 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( - ) that I expected money in about two weeks and told him after several calls that I was going to receive ssd for - and -. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my ...

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Portfolio Recovery Associates, Inc. Payday loan received a loan i didn't apply for received a loan i didn't apply for

February 29, 2016 - They keep calling and harassing me and my extended family, bt never mail any proof of anything. Just keep saying they are going to arrest me and take me to court ...

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Portfolio Recovery Associates, Inc. Consumer Loan problems when you are unable to pay

February 17, 2016 - Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was -/-/--/-/- and is around $200.00 dollars. I paid several times on the account and it has an inflated rate of almost $360.00 dollars and an opened date of -/-/-. This account is 7 years old or pretty dang close. The account number is - ...

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Portfolio Recovery Associates, Inc. Credit card delinquent account

February 13, 2016 - I explained to portfolio recovery to take my number off and to contact me only by mail and the representative tried to argue about taking my number off and I disconnected the call. ...

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Portfolio Recovery Associates, Inc. Payday loan can't contact lender can't contact lender

February 5, 2016 - For the last three months I have been harassed by Portfolio Recovery Associates alleging that I owe a payday loan from -. I have no knowledge, no paperwork, no site information or no loan number of this payday loan they allege in the amount of $300.00. Secondly, the statute of limitations has expired in California for them to collect on this " alleged '' debt. I have sent them a cease and desist letter, yet they keep calling my home and my daughter 's cell phone. Apparently the lawsuit executed by CFPB against them has not worked as they are still using false and erroneous information and...

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Portfolio Recovery Associates, Inc. Credit reporting incorrect information on credit report personal information

December 19, 2015 - - was and has been paid off. However, they apparently sold my account to Portfolio Recovery Associations ( - - -. I filed a dispute and last year -/-/14 received a letter stating a PRA filed a - - Form electronically to delete this account on my ALL AGENCIES credit reports. To date it HAS not been done. RE - - It STILL is showing as a charge-off under - and A COLLECTION ACCOUNT on PRA. ...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

December 17, 2015 - Calls about a debt that is n't mine or past statute of limitations..have sent cease and desist and still call..calling relatives and threatening them. ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 17, 2015 - On - -, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them $650.00. I denied that assertion. The caller asked for the last - digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. The PRA rep refused to agree to mail me...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

December 15, 2015 - I made a payment and satisfied a credit card debt in - of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I ...

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Portfolio Recovery Associates, Inc. Debt collection taking/threatening an illegal action seized/attempted to seize property

December 15, 2015 - The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from - -, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Po...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

December 15, 2015 - Portfolio Recovery continues to call our number even after repeated requests to stop calling. We are not delinquent on any bills. ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

December 15, 2015 - I had a credit card from - - ( credit provided by - - ) that I paid and closed back in - 2013. I 've been contacted over the last year by Portfolio Collections claiming I owe - for this same account in the amount of $420.00. I provided proof 3x ( copies of my credit report with identical account numbers reflect Paid & Closed ). They still refused to remove the collection from my credit report. They claim that - is saying it 's valid. But when I contacted - they tell me they never had any communication with the collection agency that has the account. I have going back ...

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Portfolio Recovery Associates, Inc. Debt collection false statements or representation impersonated an attorney or official

December 15, 2015 - I have been paying this collection agency whose address is -. -, - - - in -, CA because of a - credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my - - account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in - -, 2015. I am concerned because the address is not in -, Va but a - - ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 15, 2015 - I have been receiving calls from Portfolio Recovery trying to recover a debt to - 's. While I had a - 's credit card, the account was paid in full and closed over a year ago. All information - - provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from - and provided ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

December 14, 2015 - Portfolio Recovery continues to collect on debts that were charged off -/-/- it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on -/-/- at -. ...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

December 13, 2015 - I have enrolled in a debt relief program and the collection agency will not stop calling after given the number for the relief agency. My phone receives calls from -- different numbers, over 5 times per day. I have supplied the collectors with the proper phone number to contact the relief agents but I am still receiving calls. ...

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Portfolio Recovery Associates, Inc. Debt collection false statements or representation attempted to collect wrong amount

December 12, 2015 - As of today 's date : Portfolio claims to own this - - account. As of today 's date : - - claims to own this - - account. The only way to determine which collection agency actually owns this account is with a valid bill of sale from - - stating exactly which agency they sold this account to. Unfortunately, I have previously made the mistake of paying one collection agency, only to have another collection agency " park '' the same debt on my credit files six month later. Resolving this matter took over two years. I have learned the hard way the importance of a va...

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Portfolio Recovery Associates, Inc. Debt collection disclosure verification of debt right to dispute notice not received

December 11, 2015 - I was not notified in writing of the debt. ...

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Portfolio Recovery Associates, Inc. Credit card other

December 11, 2015 - Portfolio Recovery Corp ( PRC ) continues to call on a stale debt 2006, which was discharged. They were notified - in the past about this ...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics threatened to take legal action

December 10, 2015 - I was sent a letter with a payment arrangement for a credit card they purchased. I was then told over the phone another amount I could pay for another card they had. The following month after this discussion I begin to pay on the 12 month agreement we discussed. When I send in the payment I put the account numbers on the the - separate money orders. Today -/-/15 I received a call at my home telling me they had no arrangement on file and that was not enough to now pay off the debt. Also I have never been shown the proof of the actual bill, and now they are going back on an agreement th...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

December 10, 2015 - Portfolio Recovery continues to contact me and my parents from multiple numbers at all times of the day! ...

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Portfolio Recovery Associates, Inc. Debt collection communication tactics frequent or repeated calls

December 9, 2015 - This phone number keeps calling numerous times a day and leaving no voicemail so it is auto dialing which is against federal law. When you call the number back it states invalid to call another number which again is against federal law. ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

December 9, 2015 - I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS! ...

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Portfolio Recovery Associates, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

December 9, 2015 - Portfolio Recovery/ fraudulently reported a dispute on my credit report for a $600.00 collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because Portfolio Recovery/- is refusing to delete the inquiry off my report. I am about to lose my home loan all because a $600.00 collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan. ...

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Portfolio Recovery Associates, Inc. Debt collection taking/threatening an illegal action threatened to sue on too old debt

December 8, 2015 - This complaint is in regards to the Enforcement Action taken by the CFPB against - and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed - judgments against my mother. Copies of these judgments can be provided if needed. Paragraph - under - - of the Consent Or...

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