Judging from the comments, it looks like Portfolio Recovery has been busy with this number today. I got another call from them at 4:37pm today. Didn't talk to them (why bother? They'll just keep calling). Every time I have spoken to them (I mean civilly, as opposed to the times I screamed obscenities into the phone) they've asked for someone I've never heard of. The names change but the harassment never stops.
I just tell them I have Tourette's Syndrome and if they really want to go through the abusive language I would be all to happy to oblige them. . . . . . sorry Effin Mo Fos!! I love to discus their lack of parentage with them!
You need to send them a certified, return receipt "not me" letter. Here is what you need to know:
PORTFOLIO RECOVERY ASSOCIATES AKA PRA
Good news, they got slapped hard for 82 million recently: http://www.kansascity.com/news/local/article21073359.html
Also the NY AG slapped them again it seems: http://www.bloomberg.com/news/articles/2014-0 ... ion-in-new-york
CFPB fines them for lying: http://www.consumerfinance.gov/newsroom/cfpb- ... lect-bad-debts/
Posted in:
http://800notes.com/forum/ta-2a4cf0cd3a9e0dd-11/portfolio-recovery-associates
http://800notes.com/Phone.aspx/1-800-851-9631/16
http://800notes.com/Phone.aspx/1-404-719-4368/7
http://800notes.com/Phone.aspx/1-757-821-2260
http://800notes.com/Phone.aspx/1-679-265-3904
http://800notes.com/Phone.aspx/1-205-538-1807/2
http://800notes.com/Phone.aspx/1-757-946-1156
http://800notes.com/Phone.aspx/1-731-410-3143
http://800notes.com/Phone.aspx/1-817-500-4360/4
http://800notes.com/Phone.aspx/1-817-479-9154/10
http://800notes.com/Phone.aspx/1-404-865-3247
I have to wonder why an allegedly “legitimate “business would need so many phone numbers to call out on?
Web page with contact information: http://www.portfoliorecovery.com/contact_us.html
Make sure you read how they just lost an 83 million dollar lawsuit against them: http://www.kansascity.com/news/local/article21073359.html
Make sure you read how the NY AG spanked them bad on May 1, 2014 in the following BBB page.
BBB page with 1,322 complaints, 3 negative reviews a government action from the State of New York, an alert, and yet they get an accredited B+ rating (down from an A at least but they must still be paying big bucks for that rating)? http://www.bbb.org/norfolk/business-reviews/d ... olk-va-51000164
Bizapedia has them as a Delaware Corporation started in 2007 as opposed to the information on the BBBB page that says 1996:
http://www.bizapedia.com/de/PORTFOLIO-RECOVERY-LLC.html
http://www.bizapedia.com/addresses/120-CORPOR ... K-VA-23502.html
Other complaint sites:
http://www.complaintsboard.com/complaints/portfolio-recovery-associates-c275360.html
http://www.creditreportproblems.com/Portfolio_Recovery_Associates_LLC.htm
Cases against PRA:
http://www.leagle.com/decision/In%20FDCO%2020130416695
http://www.prweb.com/releases/Class-Action/Lawsuit/prweb5253574.htm
http://law.justia.com/cases/federal/district- ... 2707/228930/60/
http://dockets.justia.com/docket/california/casdce/3:2015cv00768/471398
http://www.bigclassaction.com/lawsuit/portfol ... olations-of.php
http://leagle.com/decision/In%20FDCO%20201409 ... SOCIATES,%20LLC
http://dockets.justia.com/docket/illinois/ilndce/1:2015cv02765/308374
http://www.creditreportproblems.com/pennsylva ... -practices-act/
http://www.creditreportproblems.com/portfolio ... cpa-violations/
http://designertoday.com/News/6736/Reader.Get ... .Prejudice.aspx
http://dockets.justia.com/search?query=PORTFOLIO+RECOVERY+ASSOCIATES%2C+LLC
http://www.ca6.uscourts.gov/opinions.pdf/14a0266p-06.pdf
http://cdn.ca9.uscourts.gov/datastore/opinions/2012/12/28/11-56600.pdf
http://statesboro.biz/News/702/Class-Action-L ... f-The-TCPA.aspx
http://www.gpo.gov/fdsys/granule/USCOURTS-mie ... 1_12-cv-11526-2
http://www.gpo.gov/fdsys/granule/USCOURTS-kye ... 5_13-cv-00147-0
And a CFPB case about a lawyer who works for PRA.
http://www.washingtonpost.com/blogs/wonkblog/ ... ction-lawsuits/
Some more interesting reading:
"PRA may also sometimes make harassing calls and send out threatening letters. In some cases they may have your information by mistake ~ so they are sending the WRONG PERSON collection notices!"
They were listed among the worst offenders on the late Bud Hibb's site!
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Put the skids to them.. And make sure you red the article Big A posted above.
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce
Follow the steps in what you need to know here:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350