Scam Collection Calls

ComplaintsUnsolicited Phone CallsPortfolio Recovery Associates

Complaint

0
MCH
Country: United States
I again received a call from this number/company in my cell phone. They call 1-2x every week. so irritating.

I had long straightened out my credit card debts in 2002. Suddenly, since 2008, I started getting calls from this company. I do not know how they got my cell ph number. I read almost all the complaints ahainst this company and now am convinced they they are scammers.

Should we all band together and file a class action suit? Or, report this company to the authorities in ur respective cities/states?

Comments

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  • 0
    tj
    | 22 replies
    Two main possibilities:
    1)  They have dredged up or bought some old credit card account of yours, even if you had paid or settled it, and are attempting to collect more.  Check your credit reports, and dispute all erroneous negative entries.
    2)  They may be contacting your cell phone in error, possibly due to debts of the prior owner of that number, or possibly due to your name being similar to some debtor they are looking for.  If the latter, they may also be putting the other guy's erroneous bad accounts on your credit reports, so check them.

    As for how they could get your cell phone number, if you have provided it to ANY of your creditors, they may get it through databases maintained by the credit reporting agencies.
    • 0
      I DONT KNOW replies to tj
      | 3 replies
      Here is an attorney who can stop them...

      go to this site...http://www.youtube.com/watch?v=Hs80kU4t_tw
      • -1
        Jim replies to I DONT KNOW
        This video won't help you at all but they will take all your money, it's better if you just call the bill collector comp and work out a payment plan best thing to do
        • 0
          Jim replies to I DONT KNOW
          | 1 reply
          This video won't help you at all but they will take all your money, it's better if you just call the bill collector comp and work out a payment plan best thing to do
          • 0
            tj replies to Jim
            Many attorneys take FDCPA violation cases on contingency, since the law allows courts to award both damages, and attorney fees, if you win.  You can find a consumer attorney in your state through www.naca.net
      • 0
        Melissa replies to tj
        | 12 replies
        there are services now - remember this - that when paid a fee will not only get your address, full name, ALL phone numbers you may have but also get your social security number. Usually these companies only charge about $60 US.
        • 0
          joe replies to Melissa
          | 11 replies
          i was a debt collector we dont use services all we needed was your social and we have access to search engines that pull up everyone right down to your next door neighbor and possible place of employment..FIND OUT WHEN YOUR LAST PAYMENT DATE WAS IF IT WAS OVER 6 YEARS AGO WRITE THEM A LETTER REQUESTION A VERBAL ON NOTICE WRITTEN ON NOTICE IT HAS FALLEN OUT OF THE STATUE OF LIMATION THEY LEGALLY CANNOT COLLECT ON THIS SO THEY JUST USE SCARE TACTITCS IF YOU CALL THEM OUT ON NOT LEGALLY OWING IT THEY CHOKE UP AND SAY WE KNOW BUT THEN TRY TO GUILT YOU INTO PAYING
          • 0
            mike hunt replies to joe
            your typing is atracious and i wouldn't believe a word you just said because you sound like a moron. Can you understand what i just said?
          • 0
            John replies to joe
            | 8 replies
            I did tell them the debt they claimed I owe was out of the statute of limitations. They in turn came up with a fake payment they claim I made, the court viewed it as me resetting the S.O.L. I'm now filing chapter 7.

            The last time I paid on the debt in question was early 1996. The first I ever heard of Portfolio was 2006.

            A decade old debt. As I said earlier, I'm filing bankruptcy to shut them down forever. Monday the 4th of Feb, 2013, I will end this for good with Portfolio Services.

            I pitty their souls.
            • 0
              Jimmy replies to John
              | 5 replies
              Jusr pay your bills if you owe an old debt just try to work put payment arrangement all there trying to do is for you to pay your bill, yes it's an old acct but just pay it
              • 0
                randy replies to Jimmy
                fucku
              • 0
                Paul Y replies to Jimmy
                | 2 replies
                Clearly you're a bill collector, to be saying that! Shove it, with predjudice :)
                • 0
                  Don replies to Paul Y
                  Shove it with extreme prejudice! :-)
                • 0
                  Kiss it replies to Paul Y
                  Kiss off Jude
              • 0
                Tim replies to Jimmy
                Ditto, [***] You!
            • 0
              Jeff replies to John
              They have beaten the crap out of you if they made you file a bankruptcy over an uncollectable debt. You must be in serious credit trouble regardless?
            • 0
              Ann replies to John
              Bankruptcy doesn't help.  I declared bankruptcy in 97 and still get letters and calls, I just throw them out and I always screen my calls.  What is strange is when a message is left they never say who they are calling for. They keep calling and I just ignore them.  In fact, it amuses me how persistent they have been for years.  Since I declared bankruptcy I've had perfect credit, so I just laugh it off. Do not pay these people.
          • 0
            Jeanne replies to joe
            Joe is right !  Each state has a  statute of limitations. Find out what the statute of limitations is in your state. My state is four years. Anything past that is deemed uncollectable. I have a diploma in Fair Debt Collections through Federal Trades. Don't be a fool and make arrangements to pay.. You don't have to. If they continue to harass you call a fair debt attorney. They will usually handle it for a portion of the recovery with no charge to you.
      • 0
        Hammer replies to tj
        | 1 reply
        Just pay your bill you borrowed money you didn't pay it back, there just doing there job, make a payment arrangement don't be stupid
        • 0
          Becky replies to Hammer
          Employees at Portfolio Recovery Associates earn a yearly salary starting around $25,000 plus  commission on each payment received.  These debt collectors become very money hungry and after every cent they can make. There have been many lawsuits filed against PRA surrounding harassment and breaking FDCPA laws. http://www.castlelaw.net/blog/are-you-receivi ... associates-.cfm
      • 0
        Nelson replies to tj
        | 2 replies
        Now this is interesting, as I had a call from another debt collection company asking for someone with my last name but a different FIRST name. Maybe I should actually answer the phone - PRS has been calling me for over a year - and I have a credit score of 808 and have never missed a payment on anything, ever.
        • 0
          Rachael replies to Nelson
          Employees at Portfolio Recovery Associates earn a yearly salary starting around $25,000 plus  commission on each payment received.  These debt collectors become very money hungry and after every cent they can make. There have been many lawsuits filed against PRA surrounding harassment and breaking FDCPA laws. http://www.castlelaw.net/blog/are-you-receivi ... associates-.cfm
        • 0
          Sarah C. replies to Nelson
          Portfolio Recovery Associates has the dubious honor of being the only debt collector to place me on their hit list on two different occasions.  The first time they tried to hit me up for a debt belonging to a man with my very common last name and first initial.  Several months later, I found myself back on their hit list.  This time they were wanted me to pay a debt belonging to a woman with my last name and first initial .  After the second round of collection calls, I sent them a cease-communication letter with a copy to my state's Attorney General, and PRA hasn't called me since.

          Fairly quickly, I developed my own special way of dealing with debt collectors.  I suspect that most of them ended up wishing that they had never called me to begin with.  A note to all the debt collectors commenting here, I don't have any debts, and if you thing that I will EVER clear things up by paying off other people's debts, please think again.

          All it takes is a common last name to end up in debt-collection hell.  I finally changed my phone listing from my initials to my nickname, and since then, I've found myself on just one debt collector's hit list.  Allied interstate was using out-of-date phone records.

          Interestingly enough, when I queried the debt collectors (dozens have gone after me), every last one denied that they got my number out of the phone book, either electronic or paper.

          Those commenting here might be interested in looking at the Rule Making that the CFPB is currently conducting.  They are soliciting comments from anyone with debt-collection experience, either as collector or collectee, to comment.  This site is open for anyone to comment: http://www.regulationroom.org/
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