These jerks are trying to collect a debt that is in dispute with TRANS UNION.. I actually spoke with a woman at Portfolio Recovery and told her that Trans Union is investigating and she say well just pay it now and if its in error we will refund your money.. YEAH RIGHT! SCAMMERS..
Gad the a-holes have another new number. I stopped answering a year ago and they keep calling. They are owned by Capitol One Bank or were bought by them. If I had one of there credit cards I would send it back to them. If you run a credit check on yourself you will not find portfolio recovery or capital one bank on it. I never had an account with either of them. Total Rip Off....................
Without reading the firm's site I can guess their plan is to pull a summer repeat of Watson v. NCO, which punished the collector under TCPA. This class action seems carefully worded and stays on the safest ground by excluding landlines, but let's be very clear that TCPA is not meant to cover debt collectors and any claims made under that umbrella are not "slam dunks".
Class actions against collectors are nearly always showboat trials which rake thousands for the law firm, and perhaps bragging rights, and dispense maybe a few coins apiece to the class members. Consumers are often better off filing their own to see the benefit of statutory fines and actual damages, most often under FDCPA. One should be careful when considering joining a class that its language does not strip any private right of action which might normally be granted and which the consumer might find useful.
If by "no reason" you mean that PRA has been calling the wrong person, you could have done something pretty simple long ago. Send a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. Should PRA be stupid enough to violate that, it will be like Xmas coming early.