731-345-4203

some low scum debt collector.

Got a call last night, left no message.

donthve any idea who these ppl are,thy never leave a message,,caller id says ptrfolisrecvr

Called on house phone, did not leave message. I do not answer unknown numbers.

This is a "robo" nuisance call from Portfolio Recovery which is owned by Capital One. They are dogged and in addition to robo calls they use fictions business names  Just ignore them.At this point It actually amuses me as it seems to bother them more then me. my AG says there is nothing that can be done, they have tried.

They didn't try hard enough then.. Might want to read this!

Portfolio:
http://consumerist.com/2015/05/19/jury-hits-d ... ogus-1130-debt/
https://800notes.com/forum/ta-ceba95f52112a47/cfpb-settles-cases

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:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

If that is true then you need to get a new state AG, or at least talk to someone else there.  I don't believe Capital One owns them however.  The law gives you the ability to do something yourself.  First send them a debt validation, cease and desist calling, or "not me" letter by certified, return receipt mail.  Then file a complaint with the CFPB, and then get a consumer lawyer on a contingency basis and sue them.
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:
 https://800notes.com/forum/ta-2a4cf0cd3a9e0dd ... very-associates

https://800notes.com/Phone.aspx/1-757-952-1847

https://800notes.com/Phone.aspx/1-205-379-6018

https://800notes.com/Phone.aspx/1-205-379-6019/2

https://800notes.com/Phone.aspx/1-205-396-3619/7

https://800notes.com/Phone.aspx/1-205-588-7043

https://800notes.com/Phone.aspx/1-213-443-8792

https://800notes.com/Phone.aspx/1-404-909-8732/2

https://800notes.com/Phone.aspx/1-412-847-5934/4

https://800notes.com/Phone.aspx/1-518-312-4713#p837986669093189763

https://800notes.com/Phone.aspx/1-620-708-4824

https://800notes.com/Phone.aspx/1-620-708-4838

https://800notes.com/Phone.aspx/1-620-860-0202

https://800notes.com/Phone.aspx/1-620-860-0783

https://800notes.com/Phone.aspx/1-620-860-0784

https://800notes.com/Phone.aspx/1-620-860-1573/4

https://800notes.com/Phone.aspx/1-678-265-3904

https://800notes.com/Phone.aspx/1-702-425-3735
https://800notes.com/Phone.aspx/1-714-699-3172

https://800notes.com/Phone.aspx/1-731-256-6444/3
https://800notes.com/Phone.aspx/1-731-256-7209

https://800notes.com/Phone.aspx/1-731-256-9336

https://800notes.com/Phone.aspx/1-731-256-9337/2

https://800notes.com/Phone.aspx/1-731-256-9338

https://800notes.com/Phone.aspx/1-732-256-9338

https://800notes.com/Phone.aspx/1-757-215-1948

https://800notes.com/Phone.aspx/1-757-215-2332
https://800notes.com/Phone.aspx/1-757-215-2370
https://800notes.com/Phone.aspx/1-757-320-1591

https://800notes.com/Phone.aspx/1-757-320-4166

https://800notes.com/Phone.aspx/1-757-320-4168

https://800notes.com/Phone.aspx/1-757-355-6494

https://800notes.com/Phone.aspx/1-757-355-6494/2
https://800notes.com/Phone.aspx/1-757-506-0177/11

https://800notes.com/Phone.aspx/1-757-946-1151

https://800notes.com/Phone.aspx/1-800-772-1413/47

https://800notes.com/Phone.aspx/1-800-851-9631/16
https://800notes.com/Phone.aspx/1-404-719-4368/7
https://800notes.com/Phone.aspx/1-757-821-2260
https://800notes.com/Phone.aspx/1-679-265-3904
https://800notes.com/Phone.aspx/1-205-538-1807/2
https://800notes.com/Phone.aspx/1-757-946-1156
https://800notes.com/Phone.aspx/1-731-410-3143
https://800notes.com/Phone.aspx/1-817-500-4360/4
https://800notes.com/Phone.aspx/1-817-479-9154/10
https://800notes.com/Phone.aspx/1-404-865-3247
https://800notes.com/Phone.aspx/1-412-847-5582
https://800notes.com/Phone.aspx/1-847-915-4224
https://800notes.com/Phone.aspx/1-847-737-4494
https://800notes.com/Phone.aspx/1-510-343-5211
https://800notes.com/Phone.aspx/1-281-377-3345
https://800notes.com/Phone.aspx/1-626-521-5311
https://800notes.com/Phone.aspx/1-205-396-3627
https://800notes.com/Phone.aspx/1-847-915-4836
https://800notes.com/Phone.aspx/1-757-447-2583/2
https://800notes.com/Phone.aspx/1-484-498-2389
https://800notes.com/Phone.aspx/1-859-795-3413
https://800notes.com/Phone.aspx/1-757-952-2646
https://800notes.com/Phone.aspx/1-620-860-1787
https://800notes.com/Phone.aspx/1-731-410-3151
https://800notes.com/Phone.aspx/1-731-345-4203
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:

http://ficoforums.myfico.com/t5/Rebuild ... /td-p/8653

http://hamptonroads.com/2013/09/portfol ... dial-proof

http://www.creditreportproblems.com/Por ... es_LLC.htm

"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!"

http://www.ca6.uscourts.gov/opinions.pd ... 66p-06.pdf

TCPA Class Action Suit against:
http://statesboro.biz/News/702/Class-Ac ... -TCPA.aspx

Mentioned here among other bottom feeding criminal DC's:

http://www.washingtonpost.com/business/ ... story.html

Lawsuit against them:

http://topclassactions.com/lawsuit-sett ... iolations/

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 receipt 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

Got the call. Didn't answer. It is definitely one of the numbers Portfolio Recovery uses.

Thanks for that info

Someone called this evening at 7:56 PM and my answering machine picked up.  They did not leave a message and the caller ID said PORTFOLIORECOV.  Portfolio Recovery who is a debt collector - http://www.portfoliorecovery.com and they have many, many, many numbers to harass us with.  The website claims “Portfolio Recovery Associates, LLC are here to help you pay your debt.  Call 800.772.1413 to speak with an Account Representative…”

Please refer to BigA’s posting on how to deal with these people.

Called cell phone, left no message.  No name on caller ID, so it was probably a scam / telemarketer call, or Portfolio Recovery according to posts on this thread.

If you receive many calls from Portfolio Recovery, check the internet for attorneys who specialize in suing debt collectors.  A friend of mine in California did so, and received about $2,000 in statutory damages.  It was a contingency case so he didn't have to pay anything up front.  Keep copies of cell phone screen shots and keep a log of all calls and messages received.

4yrs ago I Moved here and Started Receiving Calls from PR saying I Owed Outstanding CC Bill.
I have Never Owned a Credit Card. I Tried over & Over to Explain this was Not me. They have Still Called Everyday Since. Even on Wkends they're Harassing Me. Im Sick of It

So you put up with this for 4 years and did nothing?  Verbal means nothing to them.  Did you send them a certified, return receipt "not me" letter?  Did you file complaints with the proper agencies?  Did you keep  record of their harassment and then consult a lawyer and sue them?  Did you know that a woman in Kansas was in the same situation as you are, sued them and received 83 million for the aggravation they caused her?  Try reading my other post.  It has everything you need to know in it.

PRA would be associated with Capital One and others under their business model as "PRA Receivables Management, LLC operates as a global bankruptcy and insolvency investment company that focuses on acquisition and servicing of bankrupt and insolvent accounts acquired from credit card issuers and other consumer lenders. Its accounts include debt secured by collateral, such as auto loans, real estate loans, and purchase money security interest accounts." ref: http://www.bloomberg.com/research/stocks/priv ... vcapId=24676776 and under "contingency collections" "It specializes in contingency collections for national credit card issuers, consumer lenders, telecommunications providers, retail credit stores, healthcare, utilities, and consumer and commercial accounts receivables." ref: http://www.bloomberg.com/research/stocks/priv ... ivcapId=4470863 by calling as the client and not disclosing they are 3rd party collectors calling relatives, friends, neighbors, and others.

I keep getting calls from this number and its PORTFOLIORECV, not sure who it is trying to help cause i don't answer numbers that i do not know and they never leave messages, just getting tire of these calls

"not sure who it is "  The information you need is in this thread.  All you have to do is read those posts.

called AT work

Called cell on 04-29-16 at 2:54 p.m. didn't leave message.  No name on caller ID, phone shows call originated in Bells, TN.

Portfolio Recovery calls my cell about two to three times a day from numbers with area codes for California, Tennessee, Alabama, Kentucky, Georgia, Pennsylvania and Illinois.  It never leaves a message.

I talked to an FDCPA attorney who told me I could obtain $500 per call from Portfolio Recovery for unwanted calls, but that I would have to notify them beforehand that I don’t want them to call me.  You might also want to contact an attorney.

The law firm I spoke to was at Krohn & Moss 323-988-2400 (Los Angeles, California).

Portfolio Recovery collection company.  They trying to collect on VERY old debt, I mean 8+ years old.  Keep reporting them any tie they call you.  They use many different area codes with phone numbers trying to reach people. Rude on top of it also.

AJ was busy spamming for the attorneys all last quarter. This same post was at minimum repeated twice more in May.
https://800notes.com/Phone.aspx/1-404-865-3247/5#p1035824188188905848
https://800notes.com/Phone.aspx/1-404-865-3247/6#p1043075081082642440

Like many spamming lawyers, K&M likes high profile targets like PRA and also to tease us with TCPA payouts, which are not available to every collection call recipient.