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
Follow the steps in what you need to know:
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
On May 1, 2014 Portfolio Recovery Associates, LLC in New York, New York signed an Assurance of Discontinuance with the Office of the Attorney General (OAG) for the State of New York for alleged violations of New York Executive Law, New York General Business Law (GBL), and the federal Fair Debt Collection Practices Act (FDCPA). Portfolio Recovery Associates, LLC without admitting or denying any allegations listed in the Assurance of Discontinuance agreement entered into this Assurance in order to settle and resolve the Office of the Attorney General of the State of New York's investigation and whereas the parties each believe that this Assurance is a prudent and appropriate way to resolve the dispute. This Assurance of Discontinuance only involves consumers residing in New York City. The alleged violations include among other things;
- violation of New York Executive Law 63(12) authorizing the OAG to bring enforcement action when a person or business entity engages in repeated fraudulent or illegal acts or otherwise demonstrates persistent fraud or illegality in the carrying on, conducting or transaction of business;
- violation of GBL 349 which prohibits deceptive acts or practices in the conduct of any business, trade or commerce or in the furnishing of any service in this state;
- violation of GBL 601 prohibiting a principal creditor or its agents from claiming, or attempting or threatening to enforce a right with knowledge or reason to know that the right does not exist; and
- violation of the FDCPA prohibiting debt collectors from using any false, deceptive, or misleading representations or means in connection with the collections of a debt, including falsely representing the character, amount, or legal status of a debt, threatening to take any action that cannot legally be taken, or using any false representation or deceptive means to collect or to attempt to collect a debt.
According to the Assurance, Portfolio Recovery Associates, LLC shall pay a civil monetary penalty of $300,000 to the State of New York within 3 days of May 1, 2014, will not sue the consumer to collect on Time-Barred Debt, and will include the following information in any written communication seeking to collect on a debt allegedly owed by a consumer residing in New York State:
(1) The name of the Original Creditor;
(2) The last four number of the original creditors account number; and
(3) The date of the consumer's last payment of debt.
As of the date of this Business Review, the Portfolio Recovery Associates, LLC has paid the $300,000 fine.
Please click on the following link: http://hamptonroadsbbb.org/documents/BBBPortfolioRecoveryAssociatesLLC.pdf for further details or to read the complete Assurance of Discontinuance.
Portfolio Recovery Associates, LLC BBB® Accredited Business Seal
BBB® Accredited A Rating
1296 complaints closed with BBB in last 3 years | 421 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising / Sales Issues 5
Billing / Collection Issues 1160
Delivery Issues 1
Guarantee / Warranty Issues 2
Problems with Product / Service 128
Total Closed Complaints 1296
Additional Information
BBB file opened: 12/27/1996
Business started: 03/01/1996
Type of Entity
Limited Liability Corporation
Business Management
Principal: Mr. Christopher Lagow (Senior Counsel)
Ms. Judith Scott (General Counsel)
Number of Employees
1400
Business Category
Distressed Debt Purchaser
Alternate Business Names
PRA III, LLC, Anchor Receivables Management