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ComplaintsOtherPortfolio Recovery Associates, LLC

Complaint

0
PRA Employee
Country: United States
I want you to know if you paid your debt when it was owed then PRA would not have to call you.. I'm sure I talk you some of you and quite honestly you have no idea on what your talking about. The debt is valid and once again if you paid it in the first place WE would not be calling you. Please understand that the STATUE OF LIMITATIONS means protection on how to collect...not that it is invalid...If you still think it is  SCAM....THEN QUIT WRITING THESE DUMB [***] COMPLAINTS AND DO REAL RESEARCH....IT MIGHT DO YOU SOME GOOD!!!!!!!!

Comments

  • 0
    tj
    "I want you to know if you paid your debt when it was owed then PRA would not have to call you.."

    I'm sure you want people to know that, but it isn't always true, and you have no way to know whether it is true when contacting any particular consumer.  Debt collectors' own records are not proof of any debt.   And no, you don't have to call anyone.  You just prefer to call, since if you sent a letter first, you might tip off the consumer to the fact that under FDCPA, he has the right to dispute and request verification.  When you are guessing who you are dunning, that's the last thing you want.


    "quite honestly you have no idea on what your talking about. "

    You don't appear to even understand the basics of FDCPA compliance.  If you are an example of the results of your compliance training, then PRA is in for trouble.


    "The debt is valid and once again if you paid it in the first place WE would not be calling you."

    You really have no way to know this.  In many cases, you are just guessing who might be the alleged debtor, and when you contact them,  you haven't even verified any of your information with the original creditor.  Your statement is deceptive, and if this is what you are telling people who call you disputing your alleged debts, then you  may be defrauding them.


    "Please understand that the STATUE OF LIMITATIONS means protection on how to collect...not that it is invalid"

    And yet the debt may in fact be invalid regardless of the statute of limitations, for many reasons: billing or accounting error, prior payment or settlement with the original creditor or another debt collector, included in bankruptcy, fraudulent account, misidentification.  Again, you are deceptively attempting to portray your records as accurate, and attempting to disuade consumers from disputing your claims.  If this is what you are telling people who call you disputing your alleged debts, then you  may be defrauding them.


    People post complaints because they have a problem.  Posting isn't the first thing they try, but if their initial attempts to solve it, like talking to you, requesting information, or requesting that you stop calling, haven't worked, then they start searching on what others have been dealing with, posting complaints, then moving up to filing complaints with FTC and state AGs, and contacting attorneys.

    PRA has many complaints of calling the wrong people, and of failing to remove erroneous numbers from their call lists when requested.  It's become such a problem that they are getting sued for it, and have even had to attempt damage control, sending some "ombudsman" around the consumer sites, trying to head off consumers being harassed before they find attorneys.

    As a PRA employee, maybe you should be careful that what you say is not materially deceptive. Your complaint profile indicates similar problems to Allied Interstate.  They settled with FTC a couple years back, and it cost them $1.75 Million.  (The same complaints continue.  Guess they never learn.)

    http://www.ftc.gov/opa/2010/10/alliedinterstate.shtm

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