Who Called Us

Portfolio Recovery Associates, Inc.
120 Corporate Boulevard
Norfolk, Virginia 23502

portfoliorecovery.com

Any collection agency that violates the FDCPA may be sued. Consumers can find more information at ftc.gov

There is much controversy over statute of limitations in all states. Even within the states, judges don't agree on the dates which really does a lot for the whole situation.

Most of the time, if you approach these bozos with a formal letter sent certified mail, return receipt requested and tell them to cease communications until they fully validate the debt, they will sell it to another bozo collector who will proceed to attempt to collect on it. When I say fully validate the debt, I mean specifically state in your letter for them to provide documents proving you actually signed a cardholder agreement or contract for the debt they are pursuing, copies of all documents they have on file pertaining to the alleged debt and authorization from the original creditor that they as a collection agency have the right to collect upon the alleged debt. Do not accept a copy of a statement as a validation of a debt, it is worthless. They will try and use this to shun you and satisfy the requirement but it does not. That is why you must specify in detail the documents (any and all) they have pertaining to the alleged debt. Yes, it's a pain but so are they and they are relentless. In some cases, if you do not challenge it, they may turn it over to an attorney within your state and attempt to file a judgment against you for the alleged debt. They can win if you do not fight it and having previous evidence that you have fought it is necessary if it does come to that point.

Know your rights as a consumer and act against those who violate them.

The following is directly from the Fair Debt Collection Practices Act:

§ 809. Validation of debts
15 USC 1692g
(a) Within five days after the initial communication with a
consumer in connection with the collection of any debt,
a debt collector shall, unless the following information is
contained in the initial communication or the consumer has
paid the debt, send the consumer a written notice contain-
ing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt col-
lector in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt col-
lector will obtain verification of the debt or a copy of
a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer
by the debt collector; and
(5) a statement that, upon the consumer’s written request
within the thirty-day period, the debt collector will
provide the consumer with the name and address of the
original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the con-
sumer requests the name and address of the original credi-
tor, the debt collector shall cease collection of the debt,
or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,
or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of
the original creditor, is mailed to the consumer by the debt
collector. Collection activities and communications that
do not otherwise violate this title may continue during
the 30-day period referred to in subsection (a) unless the
consumer has notified the debt collector in writing that the
debt, or any portion of the debt, is disputed or that the con-
sumer requests the name and address of the original credi-
tor. Any collection activities and communication during the
30-day period may not overshadow or be inconsistent with
the disclosure of the consumer’s right to dispute the debt or
request the name and address of the original creditor.
(c) The failure of a consumer to dispute the validity of a debt
under this section may not be construed by any court as an
admission of liability by the consumer.
(d) A communication in the form of a formal pleading in a
civil action shall not be treated as an initial communication
for purposes of subsection (a).
(e) The sending or delivery of any form or notice which
does not relate to the collection of a debt and is expressly
required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act, or any provision of Federal or
State law relating to notice of data security breach or priva-
cy, or any regulation prescribed under any such provision
of law, shall not be treated as an initial communication in
connection with debt collection for purposes of this sec-
tion

i do not want to understand childsplay-----
maybe if you talk to the person it would make
me more easier to understand you---
whoever you are dont you think so hahahah lol

I called the number back. They stated that they were a collection agency for HSBC Credit Cards.

ftccomplaintassistant.gov

These folks are calling everyday, and today they asked for Debbie Martin. This is my husbands ex-wife. She has never lived in this household, nor had this phone number. I want to know how they got this number, and for what reason.

Message on answering machine said to call Anchor Receivables Management at 1-866-879-2116 about debt collections. Caller ID showed 757-321-6278.

Next day I called 321-6278, the automated system asked me to enter my telephone number. Terrance (floor manager)then picked up the call and asked me for my name and telephone #, which I gave. He said my wife owed on two accounts Wachovia and Bank of America. He listed four (4) amounts due, two (2) for each of the accounts.

I told him we do not have accounts with those organizations. I which Wachovia account, in wich state, was the account. Terrance said he could not provide any more information as I was not the account holder.

He could provide the amounts owed but not information about the account. RED FLAG #1

He said my wife would need to call and give him the last four (4) digits of her SSN. RED FLAG #2

We have never received a notice from either institution. Where is the paper trail?

Anchor Receivables has a web site anchorreceivables.com
It states they are owned by Portfolio Recovery Associates

Address: Riverside Commerce Center; 140 Corporate Blvd, Norfolk, VA 23502
questions re accounts 866-879-2116 (different than the 866-500-0609 number they provided on my answering machine)

Portfolio Recovery also calls from another number 757-321-6270. I never answer and they never leave a message. I've never done business with Bank of America and owe no money to anyone.

Caller ID; Portfolio Recovery
claimed to be a collection agency re an checking account with bank of america
(don't have such an account)

they call and ask for my granddaughter she doesn't live here. they hung up when I told them that

no reason for their calls. I have called them to find out wht the problem is and or what they are calling for and can get no one to answer, recording advises the mail box is full and i cannot leave a message either........go figure.

Purchased prepaid cell phone from TracPhone and I get weekly phone calls & messages from Anchors Receivables.

they are looking for a J GilFrancisco using an automated service and there is an option to press 2 if you aren't that person,but that only prompts the machine to say have J gilfrancisco call us...I went on there website and there is no email contact listed so I posted a request for an investor package with the following note: You have been reported to the authorities, remove us from your call list, we are on the DO NOT CALL LIST AND WE HAVE NO RELATIONSHIP WITH YOU! Do not have an automated caller continue to call. J Gil Francisco is not in our household. Use your records to figure out our number and remove it immediately. This is Harassment!

Here is the link if you want to do the same! phx.corporate-ir.net

receiving calls several times daily. two befor 8:30am this morning.recorded message says please hold for
next available operator

always calls but no one is ever there. Then it hangs up

I keep getting calls from these guys. They ask for someone I don't know. I have been getting these for a year. I was asked to get taken off of the calling list, and for about 6months they didn't call..now in the last 3 days I have recieved 6 or 7 calls from them. I finally got someone on the line and I chewed them out. *sigh* I hate these people.

Don't know why they are calling, don't owe BofA, or sears, wish would at least have some at the phones 48 call in 3 days.

STOP CHINGANDO, CABRONES, PUTOS LOW LIFE PUPPIES.YA ESTOY HASTA LA MADRE. PENDEJOS.

PORTFOLIO RECOVERY ASSOCIATES SEND A 1099-C FORM TO YOU?
PLEASE READ THIS.
debtconsolidationcare.com

They have called 15 times in 2 hours today. I answered the phone the last time and no one said anything. I just sat there for about a minute, still saying hello and no one ever responded so I hung up. They have been doing this for a while and I have no idea why. I called their 1-800 number to find out why they were calling and when I gave them my home phone number, they told me that they must have called the wrong number and that she would make sure my number was wiped from their database. That was a week ago and THEY ARE STILL CALLING! If you want to collect a debt, OPEN YOUR MOUTH WHEN SOMEONE SAYS HELLO!

These jerks keep calling me, and I have no business with them.

Several calls with no message left. Recent incoming picked up and nobody would speak on from the other end. I placed several long distance calls and worked through the call response system to reach two different individuals on two of the attempts. The first person in customer service identified herself as Macy. And when I stopped providing her information when my SOC was reequested, she became hostile. The second person reached, Melanie Clanahan, claimed there was nobody under her supervision named Macy. However, she also indicated there were multiple divisions. Upon requests for information to contact the corporate legal department, Melanie became hostile also.

mass calling from this number
said they would take my number off computer
now no one says anything ....just silence on the other end

This number has called 2x today and not left message... annoying!

No message and no live person. Bogus debt recovery I belive. According to the FCC site, this is called and abandoned call and you can report this abuse online at esupport.fcc.gov

They were calling my cell every night but never spoke when we answered. Finally today someone left a message saying it was Anchors Management calling concerning collecting a debt for a guy I've never heard of and to please call them back at a number. So I called the number and told them they have been calling a wrong number for months and they said they'd delete it out of the call record for that debtor. Hopefully she was telling the truth and they'll stop calling. The number to call them back at is: 1-866-879-2116

they want to know ss#

gets calls multiple times they never leaves a message..I won't pick up don't want to waste my minutes..oh well for them.

757-321-6278
SEE PORTOFOLIO RECOVERY
ASSOCIATES IN RIP OFF EITHER
WITH A TELEPHONE NUMBER
1757-321-6278

ripoffreport.com

PORTOFOLIO RECOVERY ASSOCIATES CALL MY HOUSE
FOR AN ACCOUNT FROM 1991
ONLY IN MY NAME AND NOT IN THE NAME OF MY HUSBAND BLIND
AND MENTALLY ILL.
LTD 77074 AND PORTOFOLIO
RECOVERY ASSOCIATES STOLED
MONEY ILLEGALLY FROM SOCIAL SECURITY DISABILITY
OF MY HUSBAND(1050,00).
LAST WEEK PORTOFOLIO PUT 2
COLLECTORS IN THE PHONE
TO HARASSED MY HUSBAND
AND THEY TOLD HIM BECAUSE
I DONT SPEAK ENGLISH HE
HAVE OBRIGATION TO PAY THEM.LTD 77074 AND PORTOFOLIO TOLD MY HUSBAND
THEIR FEE IS 1000,00!!!
PLEASE SEE COMPLAINTS IN THIS FORUM.

debtconsolidationcare.com

Portfolio Recovery idiots say I owe them for a acct they bought from Wachovia bank. I've never been in a Wachovia bank in my life!

CALLS ABOUT ONCE A WEEK NO PERSON ON OTHER LINE .. THEN HANGS UP >> WHAT THE FUK

Calls and hangs up numerous times each day. Doesn't leave a message.

probably collection agency for bank of america among others. Just tell them that the individual you are looking for no longer has this number and ask to be removed from the call list.
That should take care of the calls.

they call almost every day. i never answer and they dont leave a message on the machine.

Portfolio Recovery-Calls every week like clock-work, no message

Portfolio Recovery AKA Bank of America AKA Sears

F'em

sick of these calls. no one there.. and dont owe bank of america sh_t. they have my money and dont need to call me.

Anchors Receivables calling about money owed to Bank of America... Girl sounded hot. She hung up when I asked her on a date.

Four calls to my cell phone in the last week. Pre-recorded message asking for Ryan Kinnard from Joe Ortiz at 866-879-2116.

I answer the phone and wait for someone to answer and nobody answers they just hang up.

No one responded when I answered and they left no msg when I didnt answer.

Many calls from this number. When I answered no one said anything and when I don't answer they leave no message.

Another call from Portfolio Recovery - a division of Anchors Receivable at 8:35 AM claimed that a medically-documented disability for which we have filed a disability claim and have been waiting a hearing for 2.5 years makes me a "lazy b*tch" Bank of America I love what they say in your name.