757-215-2371

portfolio recovery associates old bill collection

Likely another Debt Collector for the Former owner of the # (over 4 years removed).

This number is being used today from the high tech scam artists known as PORTFOLIO RECOVERY they call themselves JUNK DEBT BUYERS which is not correct their is no such thing as a junk debt buyer it is not possible in the usa to buy a debt , these scammers try to convince people that they now hold a debt a person had ITS NOT TRUE ITS A SCAM YOU DONT OWE THEM ANYTHING NOBODY DOES ! its a trick they call and act like you owe them from some debt long ago BUT YOU DONT ! dont fall into it tell them to stick it !

This bunch is out of Norfolk Va they are having a tough time most people know them now and they are sued regularly , AMERICANS ARE TOUGH ! take a guy that 5 years ago was living in his car and had $500 in the bank for food and portfolio sued him and he was not in the know and did not know what to do and they took his money ? TODAY that guy may be a wealthy man and THOSE PEOPLE ARE SUEING PORTFOLIO AND WINNING !

Also if they have took money from you on a default judgement you can take them back to court and get your money back !

Good luck and dont let these scammers bother you !

I CHECKED THE DEBT COLLECTOR BOX BUT THEY ARE NOT SEBT COLLECTORS BUT THIS PAGE HAS NO SCAMMER BOX TO ENTER

got a call from  757 215 2371 from virginia......googled the number, found this site, will IGNORE the call....SCAM

Calls CONSTANTLY from upwards of 20 different #'s. Blocked and reported.

Probably a bill collector. They called and asked for somebody I don’t know.

Please stop these scamers from calling me! !!

I don't have any debt. My bills are paid. They call and ask for somebody I don't even know?!?!?!  Damn tards!!!!! Scam Artists threatening me.

Aaron,
I can relate to exactly what you are talking about. I have had more than one number where I have been stuck with calls from debt collectors looking for complete strangers. It seems that they are notorious for calling outdated numbers and refuse to accept the fact that they have reached the wrong party. I get the impression that these telemaggoters assume that their information is correct and whoever they are talking to is just making excuses. There is also that chance that somebody applied for a line of credit and entered a random number that just happens to be your own and now you are stuck with the calls. This exact thing happened to an active 800notes member. Since discovering this site I have learned one thing you should do is send a cease and desist letter by certified mail to the company in question. Another thing you might want to consider is a call blocking device or app. I wish you the best of luck.

I didn't answer because I didn't recognize the number.  They did not leave a voicemail.

Portfolio Recovery is a legitimate business. I owe money to Capitol One and they sent me a letter stating that my file has been sold to Portfolio Recovery. I do owe the money so I am assuming this a legitimate company.

They've earned quite the name for themselves through trickery and underhanded tactics like cheating the public. You'd be wise asking Capital One about it at your convenience rather than dealing with thieves like Portfolio Recovery.

Nice try shill-that company is a KNOWN scammer on this site

They are, and a known FDCPA violator with many lawsuits. Follow the  steps in what you need to know below.

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://www.ftccomplaintassistant.gov/#&panel1-1
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
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
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

There is a huge difference between a company that is legitimate in the eyes of the law and a company that conducts its business in a legitimate manner.  While Portfolio is indeed a legitimate business in the eyes of the law, they routinely violate every federal and state collection law possible to con money out of people, many times people who owe nothing.  My statements are supported by the facts.  the fact that they were sued by a woman in Kansas who owed nothing, they knew it and harassed her resulting in her getting an 83 million dollar judgement against them.  The fact that Portfolio has been slapped by State Attorney Generals and the CFPB many times and has paid millions in fines.  If you want to pay them be my guest, but no doubt if you made them follow the letter of the law they would not be able to.  Who told you they have the right to collect that debt?  They did?  Did they send you a letter that says this as required by law?

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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.

Because if they didn't they broke the law. End of story on that.  Did you write to them an avail yourself of your right to have them validate the debt as they are required to do?  My guess would be no you didn't.  Sorry but being a "legitimate company" is a far cry from a company that has morals and ethics and conducts its business in such a way to support those attributes.

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:
List redacted to save space in this post.

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 1,327 (the BBB wiped off 15 complaints so that Portfolio could keep their A- rating) complaints, 4 negative reviews a government action from the State of New York, an alert, and yet they get an accredited A- rating (back up from a B+, they removed 25 complaints to get them that rating, but  they must still must be paying big bucks for that rating boost):  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

Congratulations! You're the next contestant of the Portfolio Recovery Scambag game. These pathetic wastes of space are notorious for going after zombie debt which is either past the statute of limitations, already paid off, claimed under bankruptcy or never existed altogether.
Then again, you already knew that as a shill working for the pathetic band of boiler room slime.

No one else reading this page can ''please stop" calls from anywhere on your behalf. Nowhere on 800Notes is such a service promised or suggested. It's your job to manage nuisance calls to your phones. These forums are for call recipients to share their experience, attempt to identify call sources, and optionally offer advice, as others before you have done. Also, "scammer" needs a double 'm'.

PRA makes its home in Norfolk, Virginia. As you are dealing with a business which cares little for your rights, USPS Certified Mail with return card is best for whatever demands the law permits you to make.

That you think you "do owe the money" does not relieve debt collectors of their obligations to mandated standards of honesty and fairness. A dunning letter is not proof of claim or legitimacy. PRA has no proof to show you and no plans to obtain any. PRA will break several laws while trying to extract your money. These are not opinions. This is their business model.

Cap One -- punished repeatedly by the CFPB, OCC, and attorneys general for unfair and deceptive practices -- is the most sue-happy subprime bottom feeder in existence. They hand out credit cards like confetti at a parade to people already known to be strapped. They make incentive or "reward" offers with requirements too difficult for most customers to meet. They steadily raise the credit limit and urge more spending and fatten that balance and make it harder to pay off. They lie in wait for the debtor to lose a job or become ill or otherwise default, then plant their judgment meathooks after cookie-cut lawsuits. They disproportionately sue those favorite soft targets, the poor and minorities. These are not suppositions. This is their business model.

PS: SpellingGranny says "Capital One" has a second 'a'.

} their [sic] is no such thing as a junk debt buyer [sic] it is not possible in the usa [sic] to buy a debt

Judges may find that a creative but losing argument, from the same tin foil hatter which brought us "Accepted For Value" schemes. PRA's fervent investors would have rioted by now if headlines flashed that their support was thrown behind an imaginary business.

In the sense that debt buyers truly purchase spreadsheets, you are slightly correct. But with every purchase comes the right to collect with and without the help of lawyers. Everyone else who is vulnerable to debt buyer litigation and has studied the issue is very glad for the transfer of title. The chain usually breaks, easing the job of consumer defense.

} on a default judgement you can take them back to court and get your money back !

Uhh, sure, maybe, if PRA broke laws and/or court rules. Even so, beating a DJ is no picnic. It's a nonstarter for those who sat and watched it happen.

} THIS PAGE HAS NO SCAMMER BOX

"Scammer" is an opinion. "Debt Collector" is a category. This has been discussed several times.

https://800notes.com/forum/ta-9e30ec9c4af8113 ... n-the-drop-down
https://800notes.com/forum/ta-d1a7206c6826aee/scam-calls

The FTC and CFPB regulate, among many other business types, debt collectors. They don't make special rules for "scammers" and neither should we.