About | Join | Sign in

Who Called Us

The phone is ringing, and I don't recognize the number,
All Caller ID says is, "NAME UNAVAILABLE".
Please help me figure out who is calling and what they want



Portfolio Recovery Associates (PRA) | - Portfolio Recovery Associates (PRA) | Portfolio Recovery Associates (PRA) |

portfoliorecoveryassociatespra calls from 47 phone numbers:

205-588-8181 205-588-8197 205-588-8628 404-592-5171 404-921-2521 404-921-2537 404-935-6551 404-935-6626 407-347-4014 407-347-4021 407-347-6414 407-378-4628 407-378-4640 412-282-1420 412-282-1421 412-282-1422 412-282-1423 412-282-1424 440-580-0720 440-580-0722 510-355-1780 518-207-3602 518-207-3608 518-207-3618 626-209-2244 702-410-7068 702-410-7076 702-410-7489 731-256-7106 731-984-7680 757-275-8578 757-506-0177 757-864-0020 757-961-3544 800-772-1413 800-860-0644 847-994-2540 858-346-1184 859-918-0780 914-513-0163 914-513-0443 914-513-2925 914-513-2939 954-622-9827 954-622-9836 954-678-3362 954-678-4804


(800) 772-1413

March 1st, 2014 CHASER CA

These guys are zombie collectors. Portfolio Recovery. They try to collect debt that is past the statute of limitations or in the case of my brother, someone who is dead. My brother died over a year ago and these idiots called today looking for him. Said he gave me as nearest relative. I know he died with a lot of bills, trying to survive cancer isn't cheap. I told these guys that he was dead. They wanted to know if I got any insurance money and they wanted a copy of the death certificate. I told thme to fu*k off and hung up and if they call again I'll report them under the fair debt collections act.

January 23rd, 2014 Chis OR

Bottom feeders

January 23rd, 2014 MannyPaquio49 Poland

I noticed that it's hard to find your site in google, i found it on 17th spot, you should build some quality backlinks to rank it in google and increase traffic. I had the same problem with my website, your should search in google for - k2 seo services - it helped me a lot

January 14th, 2014 private CA

this man who called from this number was very haughty and arrogant. He kept asking to speak to a certain name. i said who is calling he kept saying are you (blank blank)? over and over and over. I said who is this, he said are you (blank blank)? I said it depends on who is calling who are you? He said oh so you may be? I said it depends. who are you? he said are you (blank blank?) he was getting upset with me? I could hear in his voice and I said listen you are suppose to identify yourselves, it is illegal to harrass people and not say who is calling! he just kept pushing for my name! I said you playing games! I don't have time for you games ! hung up! I get so tired of this people I am called about other folks bills, and about bills that are pass the statue of limtations. I get so tired of this people, calling my phone and being so rude and interrupiting me thorugh out my day. 1/14/2014 ( My name is private, why? who knows they may be reading the complaints) so I just say private..because they do not care about your privacy at all! I hope they can be caught, and fined so much. That it shuts down this organization forever!

(757) 961-3544

January 8th, 2014 toloHemeweike Russian Federation

Hello longing distinguish my sites, collection it if there is not then I'm sorry.

January 7th, 2014 toloHemeweike Russian Federation

Hello content find exposed my sites, amassment it if there is not then I'm sorry.

(800) 772-1413

December 31st, 2013 ozcan FL

I have just opened my new number but this scam company called me...

December 11th, 2013 MLW MI

Assholes keep calling from different numbers. I don't owe them one red cent!!!

December 4th, 2013 Dave CA

Yes, Portfolio Recovery. I called them and had my number removed because apparently my most recent cell number used to belong to someone who is in debt up to their ears. Just call and have it removed and be cordial. Worked for me. Or you can download Mr. Number and hang up on them.

November 27th, 2013 Lou

portfolio recovery .. 2-3 calls a day.. looking for a relative.. its insane ~~ CLEARLY time to download an app to block them.. ~

November 18th, 2013 Chelette FL

This is a debt resolutions company

November 14th, 2013 Mike CA

Portfolio recovery. Asked them to send me an invoice from the creditor and a signed contract between me and that creditor and all they send is their own little invoice. They like to talk over you while you are talking. If they are really representing a creditor it should be a simple thing to prove that I ever had an account with that creditor. They are able to do that yet but insist on calling after asking them to put everything in writing no more calls.

October 24th, 2013 Dee NY

Did not leave a message

October 15th, 2013 Kat CA

Portfolio Collection

September 10th, 2013 T.E.A.M. CA

Portfolio Collections

They call and ask me to call back at a 800 number. I have perfect credit....must be a mistake. They are constantly harassing me...I live alone, but My son is a Sheriff. They are: PORTFOLIO RECOVERY ASSOC
and what they are doing is illegal!
Portfolio Recovery Associates Inc
Steven Fredrickson - Chairman and Chief Executive Officer
Riverside Commerce Center
120 Corporate Boulevard
Suite 100
Norfolk, VA 23502
Mailing Address: PO BOX 12914
NORFOLK , VA 23541-0914
Phone: (800) 772-1413 800-654-8818 or 757-519-9300
Fax: (757) 321 2504 or 866-296-0635

4829 Hwy 45 North
Jackson, TN 38305

New Market Mall
5200 West Mercury Blvd
Hampton, VA 23666

500 West 1st Avenue
Hutchinson, KS 67501

(Holding @+/- $43.50)

Head Debt Collectors:
Steve Fredrickson, CEO
Email: sfredrickson@portfoliorecovery.com
Andrew Holmes, President
Email: aholmes@portfoliorecovery.com
Craig Grube, Sr., VP
Email: cgrube@portfoliorecover.com

THE NUMBER 1 800 772 1413
1 800-860-0644.whocalled.us

(757) 961-3544

September 10th, 2013 anon VA

Portfolio Recovery is a junk debt buyer. DO NOT PAY THEM, it will not help you at all to pay them anything. Look up their address and send them a cease and desist letter from making any further contact with you.

September 10th, 2013 anon VA

The wife,

Don't give them ANYTHING. if the debt was from the 1990's is surely out of the statute of limitations for collection. If they continue to harass you, sue THEM.

September 10th, 2013 The Wife

Portfolio Recovery Solution have been using 757-961-6544 and many other number to call ad try to have me pay a debt for a loan my husband got back in the 1990s and defaulted on up in Chicago. I met him in 2010 and we got married now in 2013 they keep calling me to pay off the debt. I have explained my husband had a heart attack and is disabled and cannot work and will not be paying off the debt and it is not my debt so I have no intention of paying it but they keep calling. Each time I tell them I cannot have them calling me because I am at my job they push and push until I hang up. Then they call back with a new number. These recovery people really do go too far and it only started after I added him to my bank account in Ohio so I know for a fact where they got the info from!!

(800) 772-1413

July 31st, 2013 CaptainObvious SD

BTW, the best way to lose these people is to start out by saying that you record all calls. That always gets them to cut off

July 31st, 2013 Mah Whang SD

Remember, it is your phone...just have some fun with them. Remember, you do not have to identify yourself...and you do NOT need to be nice to them.

July 31st, 2013 CaptainObvious SD

Call traced to Portafolio, a zombie debt collector. I answered by saying (person asked for) is not at this number. Asked who I was..."I am Hugh Jorgan." They called back...I answered the phone in Japanese this time. Typical scumbag zombie debt types.

(914) 513-0443

July 24th, 2013 Mike Ales NJ

RELENTLESS collection agnecy for credit cards. THEY WILL KEEP CALLING non stop. THe guy before me had debt obsioul and I got his cell number. They keep thinking I'm him and "covering" for him. They still keep calling. Had to change my number to get them to stop calling. They will call 50 minutes a day NO EXAGERRATION.

(404) 921-2537

July 24th, 2013 ike Alves NJ

Douche bag collection agency NASTY and used threats to take my house. I got the number a month ago they are calling for whomever had the number for me. They wont take me off the list. Asked for a supervisor and got hing up on. Reported to FTC.

(800) 772-1413

July 13th, 2013 Cherryl Walker LA

The FBI in an story in this week's Wall Street Journal (featured at Yahoo!) tells about the 14 most dangerous spam/scam/phishing phone and e-mail contacts being made out there. If you get an e-mail from a cousin in Italy who needs 6000 euros to pay for a bone marrow transplant, and they need it sent to them right away, that's the kind of stuff that is going on out there. And if you get an e-mail presumably from an American G.I. overseas, be careful!

July 13th, 2013 annom TX

The FBI is also working on this spoofing numbers as i contacted them last thursday tired off all the scams. They say dont answer or have your number changed. But i reported them

(914) 513-0163

July 9th, 2013 Gottagetalife OH

This is Portfolio Recovery. They are as irritating as poison ivy. Nasty people with no compassion. I have breast cancer & do you think they care? I have informed them that I don't owe this money, however that response fell on deaf ears. They call up to three times a day. They try using different numbers. I have stopped answering. Wish they would stop calling. Wonder if they will keep calling after I'm dead? Most assuredly. Let them have my ashes!

(757) 961-3544

July 5th, 2013 KLM FL

PRA and I have a system worked out.
They keep calling; I keep not answering. HA HA HA

June 27th, 2013 Jermey NC

They are not a real collecting agency!i know this because this morning at 3:11am they called my 12 year old daughter asking for her to pay for her dept! this is a scam to get money from people what ever you do dont pay them its a trick and its very annoying. They call her everyday and its just really rude and i would like this to stop but sadly we have no way of stopping.

June 27th, 2013 Cherryl Walker LA

We are in a war against these trash bags to gain control of our communications privacy. In the USA, the laws were changed in about 2006, and that opened the floodgates for these "monsters" to discover how to circumvent the law, and inundate us with junk phone calls. Vote out of office the scalawags who voted for the law changes in 2006, and vote into office people who will respect and honestly represent "we the people".

June 27th, 2013 Densha Otoko SD

Some great spoof names are: Mai Wang, Big Phat Dik, Mitch Komestainne. Another fun ploy is to answer the phone as (Insert name of choice) Law Offices. Mirroring their language is also kind of fun. Listen to them and repeat what they are saying as they say it. Telling them that you are recording their call is also fun. Maybe answer the phone using the name of a local television station...or a church name that you make up.

June 27th, 2013 Densha Otoko SD

When someone shows up as unlisted, private, or whatever, I do the following: I answer the phone in either Japanese or Korean. I use the name of any J-Pop/K-Pop singer I can find. One time I answered as Akihito, who is the Emperor of Japan. I put it this way: It is my phone and I will talk to the people I choose to talk to, not some scumbag trying to collect timed-out debts that they buy for pennies on the dollar. I have also answered in English as "Hugh Jorgan" (think about it). For the record, they use multiple phone numbers, none of which is their number. It is fun to just screw with them. It wastes their time, which cuts into their commissions. If you speak a foreign language, use a name in that corresponds to that language. Go to Google Translate and type in the most vile English sentence you can think of...then push translate into the language of your choice. I have also been known to just utter a continuous series of insults and profanities. These people are sharks...and they will never take their claim to court...so, abuse them as much as they are abusing others.

(800) 772-1413

June 25th, 2013 lbk WA

800-772-1413 - Portfolio Recovery Ass.

It's a low-budget collection agency. I paid them for a while, but the wouldn't send a statement, a monthly bill, or confirmation of payment. I requested these things over the phone, and both the agent and their manager violently argued that they do not have to do so. So I stopped paying them.

June 16th, 2013 annomous HI

Looking for some Guy.. then the message say Hang up or you have 3 mins to hear their crap they have wrong # no Arab Guy at this address ..they ate disgusting. The number has been out of service for Ever ...

(757) 961-3544

June 15th, 2013 Quicksilver LA

Number keeps calling a non listed #. What I know is if you answer the phone, you have automatically started whatever debt from the beginning. I do not owe anyone. But I do not plan to help weird callers harass me either over someone else's bill because I have their #. Advice.. do not answer calls from #s you do not know who it is. Once upon a time, I had a bill that the insurance company failed to pay to a hospital. I did not know because I never received a bill stating that. One day, I had a call from a man that spoke to me about that outstanding bill. He started yelling over the phone to me and informed me he was on the way to my house to collect and I BETTER HAVE IT. It freaked me out so bad.. I called back to the hospital to speak to the Administrator. Informed them of the call. She told me it was not the first complaint she had about it. She said she would call me back in a few minutes and for me to call the police if anyone showed up. Well no one showed but she did call me back and apologized to the fact that a X employee had taken debt files and was calling people for outstanding funds .. she did ask me to describe his voice and it was exactly as others that described him to be. So see.. you just never know about these things.

(800) 772-1413

May 20th, 2013 ANDREA NY


May 17th, 2013 Jim CA

Portfolio Recovery (Debt Collection)
600 Beacon Pkwy W
Birmingham, AL 35209

May 14th, 2013 Laura CA

These are debt collectors that call from about 20 different phones numbers. If you don't know the number DON"T answer. They tryed collecting a debt from me for my ex-husband!!

April 23rd, 2013 cody CA

These people called under a toll free number. In their voicemail the caller gave his first name only and a number from my area code to call him back. Dont return the phone call.

April 16th, 2013 Phoenyx TX

I got a call on my cell phone today from this number for my husband. The woman said her name was Ms Higgins/Wiggins (her accent affected the h & w sound). My husband is at work so I asked to take a message. She wanted to call him back & I told her he was out of town for work (true because he's a trucker). She then told me that it was a personal business matter & they would just try to call back at a later date.

April 16th, 2013 Anon MI

They call repeatedly. I cannot block them through Comcast because it states it is an international number. I have never answered.

April 11th, 2013 Anon WA

Annoying! They call on a daily basis. I have a cell phone and have told them to stop calling. They violate state and Federal collection laws by calling before 8 AM and after 8 PM.

(757) 961-3544

March 26th, 2013 MT GA

Pussies - didn't have the courage 2leave a voicemail ...

(800) 772-1413

March 19th, 2013 Annoyed CO

Ever since I changed my phone number to a local area code (where I live), 1-800-772-1413 and numerous other numbers reported to be Portfolio Recovery Associates have been calling. Mostly from the 800-772-1413 number. I know the person who had my number before me has collection calls, which I have let those people know that this is not that persons number anymore and they did quit calling. But this Portfolio never, ever leaves a message so I don't know who they are trying to reach.
I believe they are using the tactic used by lots of crooked companies. I think they have software that makes it appear that they are calling from a number belonging to someone else.

March 15th, 2013 Joe IL

The Social Security Administration's phone # is 800-772-1213.Those good for nothing bastards at Portfolio Recovery are using this # to trick people on disability or retirement to answer the phone.It worked & my wife answered it.The "person" on the other end mumbled a few things then hung up.I am so sick of these people trying to collect 15 year old debits using harrasment & trickery!!!

(757) 506-0177

March 9th, 2013 m NY

Portfolio Recovery who also has several other names they go by in order to collect past due debts which normally would have already passed the statute for collecting (according to some states, collections on certain debts can only be collected during a certain time period, after that it is defaulted as non payable, google budhibbs). Here are other numbers by which PR goes by. file complaints against them, they should be held accountable for harassment calls and annoyances.
(731) 256-7106
(205) 453-1648
(620) 860-2755
(757) 275-8578

(731) 256-7106

March 1st, 2013 LPB OH


(757) 506-0177

March 1st, 2013 Chris CA

I highly recommend calling them over and over, and HANGING UP! I owe no dept and when I call them they said "oh they had the wrong number!!!! So I give them a taste of their own medicine!

(800) 860-0644

February 27th, 2013 jb SC

please stop calling this is a work number

(757) 961-3544

February 25th, 2013 unknown MO

this is a nasty bill collector trying to collect on accounts that have timed out. do not answer their calls, they are threatening and harassing. There is nothing they can do to you unless you make any arrangement then you start the clock over.

(412) 282-1423

February 13th, 2013 Receptionist IL

THey keep calling all day and either they have an automated message with the name of a person who I have never heard of or they don't speak at all. Waste of time answering them.

(626) 209-2244

February 10th, 2013 Bart NJ

Really? You're telling me you are NOT spoofing numbers and actually have some one making calls at 5:47 am PST on a Saturday? They can't be that desperate for a job.

February 9th, 2013 Lt. Riker OR

Idiot Co's calling me on a debt that's already aged out. Not getting a penny from me! I'm disabled and unemployed; you can't get blood from a turnip!

(757) 864-0020

February 4th, 2013 Ellen

WhyMeLord...I used to get calls about a bill that was for my late mother from a different collection agency. No amount of telling the fools that she was deceased 30 yrs ago helped. I finally gave them a change of address...the street location of the cemetery where she is interred and the unit (plot) number along with the phone number of the cemetery office. That stopped them. Plus I had a good chuckle imagining the reaction of the person who answered the phone at the cemetery and what he said to the PRA pest who called.

February 4th, 2013 WhyMeLord TX

I get calls for my dad (been dead for near 40 years) and finally, in frustration, asked them to produce supporting documents. Most never respond but a few have sent doctored documents that I turn over to the USPS postal inspectors (I keep the envelopes). It's called mail fraud BTW and the postal inspector really get off running these down.

If you can get an address send them a certified letter requesting the supporting documents. 99% of the time they don't have them and can't produce them. Ergo you're off the hook.

(731) 256-7106

February 1st, 2013 Angela TN

These people keep calling me and I have told them I owe no money but persist. I have a 820 credit score and they keep insisting I owe them money. I do not owe anyone an old debt. Where do they get a cell number from. How do they access my personal information. Also use my maiden name which I have been married for 9 years. I am sick of it. I have called my brothers best friend, which is an attorney. If they continue to call I will sue. Law states that they cannot harrass me like this.

(412) 282-1423

January 31st, 2013 FedUp TX

Calls several times per day and will not leave message. Added to reject list.

(731) 256-7106

January 29th, 2013 FaQue OH

they are trying to collect debts that have been discharged by the original creditor, it should be illegal but our wonderful government refuses to close that loophole

January 24th, 2013 blowme TX

get a call from this number almost daily, same time of day. Never leaves a message---that tells me it is an annoyance call. Tagged and added to rejected call list!

(757) 506-0177

January 22nd, 2013 a1 TX

Left no message

(412) 282-1423

January 17th, 2013 Robert Murray PA

My wife is on disability and still they call at all times of the day!

(731) 256-7106

January 16th, 2013 Michael SC

Bottom Feeder Collection Agency that buys ancient debt for pennies on the dollar and then threaten in an attempt to collect.

(757) 961-3544

January 2nd, 2013 Jeff PA

It's Portfolio Recovery calling...a very nasty collection agency. They called me today...about a bill from 1998! Evil, vile and scumbag creatures. Simply tell them that the phone you are on is a company phone and that no personal calls are allowed. They'll tell you that the call is being recorded, so, turn the tables on them: tell them that YOU are recording the call, have proof that you have told them not to call your company phone and not to call again. By the way, be very careful in what you say: if you admit that the bill is yours or make any statement concerning the bill, the clock could reset and you could be liable for the long, LONG ago bill. Remember...these are vile, contemptible and nasty vermin. Treat them as something you'd scrape off the bottom of your shoe after a stroll through a dog-park.

(731) 256-7106

December 31st, 2012 irritated MI

I guess people don't understand what, "You have the wrong number" means anymore. Looks like these people woule realize they're wasting time on me when they could be spending it whining to the correct party.

(626) 209-2244

December 12th, 2012 Mr BILL PA

"Polio" Recovery: they call all the time! They ask "by my first name?", I say "why?" They say "What do you mean why?" I say "you called me?" They say "Is this name?" I say "why?" They say "I have an important message!" I say "who are you?" They are so stupid that say "their name." I say "who do you represent?" They either say, "I'll call back!" ( sometimes I say I'll be waiting for you tomorrow) or if they say "I'm with Portfolio Recovery!" If they say "I'm with Portfolio Recovery!" I say "Polio Recovery?" They say "no, Portfolio Recovery!" (now they are pissed) I say "why would anyone want to talk to Portfolio Recovery" and hang up! Sometimes they call the next day, sometimes they don't call for a few days. I guess that they are keeping a record on me? Try this! This pisses them off! I'm retired, I wait for them everyday! :-)

December 7th, 2012 Cammie GA

I got a call on 12/7/2012 @ 3:50 pm.
The guy asked for my mom, he sounded country. I assumed it was a person in Florida, possibly someone we knew because the area code there is 628. I guess I was wrong. He said he'd call back when I told him she wasn't home. He's an awful debt collector, because he sounded like a normal guy and kind of distracted/flustered or what have you. I don't know. Annoying though.

(731) 256-7106

December 6th, 2012 Linda MI

To Ash:

Don't think it's over. Once one company stops calling you, they'll sell the debt to another company and it will start all over again.

December 6th, 2012 Ash OH

I actually called the Tennessee number back. I've gotten calls from their Virginia and Tennessee offices. As the debt is actually not mine, i explained to Nancy that I've had this phone number three days and do not have any outstanding debts. She thanked me for my time and marked me as a wrong number. If only the other collection agencies calling me for this guy would follow suit...

December 4th, 2012 Annonymous FL

Rude ass dude on the line trying to collect from me. He was trying to get my new address and bank info, I never would have stopped paying if the cc didn't change terms and ruin my 700+ credit score, too bad for them.

(757) 961-3544

November 28th, 2012 Grey NY

Have nothing in collections but keep getting calls from these folks at dinner time! I won't answer anymore!

(412) 282-1423

November 28th, 2012 RICHARD TX


(800) 772-1413

November 28th, 2012 be carefull

Its Homeland security trying to get info on someone that could be u or someone that call will call u frequently and they had recently changed their number under a different name. U will receive a letter when the investigation is over stateting the dates and time your pheone was being monitered

November 28th, 2012 be carefull

It's a police department trying to verify a person in your contacts to see where their at. Some how they monitor the phone calls to figure out the location

(757) 961-3544

November 27th, 2012 OFDU TX


(731) 256-7106

November 23rd, 2012 Rollo OH

No Message

(757) 961-3544

November 17th, 2012 YO FL

These clowns only called once today. Usually they call 4 or 5 times every day. I will never answer their calls. CID today was blank for the name and number.

November 15th, 2012 WLN FL

They call as many as 5 times a day. Never leaves a message. I have no debt and am not interested in talking to assholes.

(731) 256-7106

November 14th, 2012 Blahblah OH

I've gotten into a habbit of answering calls from numbers i don't know, just to mess with them.. When i answer, they just hang up.. So depressing. .:(

(757) 961-3544

November 12th, 2012 al CA

that number called me and offer me huge money..
them it says that that I should pay a little amount.

(757) 275-8578

November 7th, 2012 Robert KY

Rude debt collector that kept calling everytime I hung up. This account was in a ch13 and discharged and they tried collecting what the judge didn't let them in the ch13 so be careful when dealing with them.

(757) 864-0020

November 6th, 2012 tired of idiots CO

That's guys for all the info

(757) 961-3544

November 5th, 2012 John TX

I constantly get calls from this number and have for 2 years since I have obtained my current phone number. (Portfolio Recovery)I have advised them each time they have the wrong number-makes no difference. They advise the debt is from 1998. Apparently, I was lucky enough to get this person's old number. So, the last time they called, I advised them I would pay the debt when hell froze over and to get back with me then. I have no idea who the person is they are attempting to contact and most of the reps who called have stated along the line of: lying about your identity will not make your debt go away. Can we expect a payment today? Ugh!!

November 3rd, 2012 JR FL

Same idiots with yet another number. I don't bother answering.

November 1st, 2012 ROBERT TX

I did not answer the call,,,I routinely dont answer calls from numbers I dont recognize

(757) 864-0020

October 31st, 2012 Slick TX

I keep paying these dirtballs but they call every week looking for "automatic" payments. Fat chance. KMA-BMS Portfolio

October 29th, 2012 Resident47 RI

Anna, PRA doesn't care ''who is paying and who they are calling''. Those collection reps are all competing for commissions and bonus ''spiffs'', as their pit bosses hound them to meet some periodic performance goal. You need to stop negotiating on the phone where they want you and get on a paper trail where they don't.

You can dispute PRA's claim any time, but this is best done within 30 days of its first dunning letter. Over two years ago in this thread I discussed setting contact restrictions. Furthermore, anyone at your workplace can take away their permission to call for you there. Keep records of any action they've taken and anything said. You can turn evidence of FDCPA violations against them in a private lawsuit when you're ready.

Official-type material on US federal collection law:

(757) 961-3544

October 26th, 2012 Rick NJ

Time to sued this caller for the constant harrassment,do not need these people calling if they won't leave a message or who they are.No name no call-back.Get a life and stopp calling my cell phone.

October 25th, 2012 Resident47 RI

Jen, could you be bothered to read the first sentence of my comment right behind yours? AGAIN .... Debt collectors do not bother with the DNC registry because THEY ARE EXEMPT as non-sales callers!

I would suggest that you quit trying to negotiate verbally and slap on a written cease-comm, as I have discussed here long ago and detailed in this other thread:

(8773052082) whocalled.us

Trying to collect what has already been paid misrepresents the amount and/or character of the debt in dispute. This gives you a FDCPA cause of action which you should be happy to exercise if PRA ignores your Cert-Mailed ''shut up''. If you're sued long past your Statute of Limitations you can spank 'em even harder. You have leverage! Use it when the time is ripe.

October 24th, 2012 Jen L CA

The problem is that they are not a legit debt collector. They are trying to collect a debt that I paid in 1998. I have told them this. There is no debt to collect. It is past the time period in which it could be collected if it were a legitimate debt. They are trying to defraud me by pretending that the debt is valid and I have repeatedly informed them that I have already looked up their company and am aware that their collection efforts are fraudulent in cases other than mine.

They don't honor the DNC list because they are liars.

(757) 864-0020

October 22nd, 2012 Morrisey MN


(757) 506-0177

October 19th, 2012 Resident47 RI

Strange report, Ronnie. ''Officer Celebrity Name Here'' from ''Not Really the Goverment'' is associated with fake payday loan collectors in South Asia. PRA stoops pretty low, but they have too many marginally legitimate debts to chase to bother with fake accounts. I would suggest you've misreported the caller's number. On a long shot, a fakie has ''borrowed'' a real collector's number, but in that case the poser is usually trying to pass as a law firm and not a junk debt buyer. Do report here again if a pattern emerges. Keep watch and stay safe.

October 18th, 2012 Ronnie OK

I also received a call from this number but the person on the other end said he was Officer Kevin Smith with Federal Grant Investigation. What scares me is that these people know way too much about me. This person also called me from another number 401-223-3503. If it is indeed Portfolio Recovery they will use any tatic to reach people. So far this guy has called from area codes 401 (Rhode Island), 757 (Virgina), and 760 (California). Caller claims I owe a debt but refuses to send any documentation, but demands I pay immediately, and hangs up.

October 18th, 2012 1broke girl TX

Debt collectors have always been able to use predictive auto-dialers and rerecorded messages to reach traditional wire line numbers, and collectors have also been able to manually dial wireless numbers to reach consumers. But the combination of using those advanced call center technologies on wireless numbers was interpreted as forbidden under the TCPA.

In 2003, the FCC banned the use of auto-dialers and prerecorded messages for calls of any kind made to wireless numbers. The Commission was responding to what it called a “greater nuisance and invasion of privacy than live solicitation calls” in using wireless numbers which were gaining popularity. The fact that consumers were charged for the incoming calls punctuated the FCC’s finding.

October 16th, 2012 Sue Them CA

This law office handles law breakers such as this. You can reach them and they can help you probono. www.attorneysforconsumers.com They are excellent and helping me winning cases.

(757) 864-0020

October 15th, 2012 Elizabeth TN

collection agency

(731) 256-7106

October 13th, 2012 Cliff G NY

Scumbag Collection Agency. Put 'em on Black List so now no calls will get though. LOL I do not answer any calls from any number that I do not know. You will never get me to answer and give you my real location, keep trying losers.

(757) 506-0177

October 10th, 2012 Daves not here IA

Scumbag collection agency trying to get information about a former resident. Won't take no for an answer and insist that I'm responsible for paying this old debt.

The last time they called, I interrupted them in mid speech and asked, "Do you know this person? Because HE owes ME about $12,000 and if you're a friend of his I want to know who to send the bill to."

They hung up on me.

(757) 275-8578

October 9th, 2012 He Can Help You CA

This Law Office helps fight against abuses. Contact them, they are really good: Law Offices of Todd M Friedman, P.C.

direct - 323 306-4237

toll free 888 595 9111 ext 625

866 633 0228 facsimile


(757) 864-0020

October 8th, 2012 Anna ME

I have told them numerous times to not call me at work, and they continue to do so. The bill they are calling about is being paid off, and they have been told this but different people from their company continue to call. They have been told to call me at home and they use different numbers to continue to call me at work. I come to work and see they have called well past my business hours. They always ask who they are calling and I answer you called me so you should know who you are calling, they demand to know who they are talking to and I tell them before calling someone they should found out who they are calling and that it looks like they were not trained properly to do their job. They want to get nasty, I get nasty right back. I have told them numerous times if they looked at their records they see that I am paying my debt, but not sure if they qualified to use a computer. I put them on speaker phone and was told to take them off speaker phone, I tell them we are recording them and they hang up. We have even given the phone to a co-workers 2 year old who banged the phone around for awhile and another co worker's dog who barks at the phone. They need to check to see who is paying and who they are calling.

(757) 961-3544

September 21st, 2012 Resident47 RI

Del, ''PRA does not respect the Do Not Call list'' because it does not need to. The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person. Here are the DNC service terms you were supposed to review at registration time:

Q&A: The National Do Not Call Registry

Over the past two years in this thread I have discussed the laws which *do* apply several times. I'm not repeating myself just for you. The FCC, by the way, has almost no jurisdiction in this matter. The FTC has been managing collector regulation from the start, and the CFPB staff may get around to helping once they finish unpacking their moving crates.

September 21st, 2012 Del MO

Got a hang up call today! I reported them to the FCC and they actually stopped in June 2012- but my cell phone rang once and
quit before I could answer this morning at 10:20 AM. PRA does not respect the Do Not Call list!!!
I will be filing complaints with the FCC after this post. AGAIN.

(731) 256-7106

September 20th, 2012 Resident47 RI

Step, thanks so much for filling my monthly quota of random commentors who accuse me of working in the collection industry. When was the last time a debt collector gave you any idea of the tools which exist to defeat his own efforts? Why don't you ''look into'' the federal law I had already linked to a half year ago if you don't want to believe me.

A plain third party collector such as PRA clearly ''threatening legal pursuits'' when it is not a law firm itself is in violation of the FDCPA and probably every similar state law. PRA cannot send any ''legal letterhead'' for the same reason. Oh, but I'm a ''damn liar'' so let's point you to the statute:
- 1692e(5) www.ftc.gov

Here's a whole section devoted to that harassment you're so concerned with, not to mention abuse and annoyance:
- 1692d www.ftc.gov

PRA however can and gleefully will assign your account(s) to the bulk discount lawyer near you if you've not seized your best opportunity to dispute claim. That's within thirty days of its initial dunning letter, required by this cute little statute:
- 1692g www.ftc.gov

I'll expand on my comments to Luna since you're too cheesed off to apply proper reading comprehension. Next weekday you have free, find a local or state court which has at least fifty debt cases on the docket. Go sit in the gallery and watch the parade of default, summary, and stipulated judgments. Try not to blink or you'll miss how quickly a mass of your neighbors is sent to financial doom while the lawyers walk off with five or six figures for their creditor clients.

Most if not all those people who surrendered to a junk debt collector like PRA did not need to. In fact, a junk debt case can be fairly simple to beat. Maybe the amount was wrong, or was already paid, or the chain of title was broken, or the civil complaint was fatally defective, or the account had slid past SoL. Closer to my point, maybe the pre-suit collection campaign managed to break laws consistently and repeatedly. All those people lost so badly because they ignored the phone calls, deleted the messages, and threw away the letters. The lawyer came with stacks of accusatory paper and those few debtors who bothered to show had nothing to hurl back. Judgment for the plaintiff, next case.

So sorry if legal reality is upsetting to you. When you too have spent a dozen years studying the debt industry and fought a couple collectors to a standstill as a pro se litigant, please come back and insult me then.

September 20th, 2012 Step IL

Hey Resident 47. You're a damn liar. Any collector threatening legal pursuits for the payback of debt must do it via legal letterhead. You must work for these bandits. Ignore the number everybody. Better yet look into harassment law.

(518) 207-3602

September 14th, 2012 Ken22 MA

Security Scam

(412) 282-1423

September 12th, 2012 Bart NJ

Claiming to be 'Stella debt Collection' at 877-290-3779

September 12th, 2012 Realness TN

These mother fuckers called me talking about Jimmy? I said nah, you got the wrong number, then gonna ask me do you know him? I said yeah, he's my brother, then they said who they were and ask me to get him to call them back and gave me her name. Next day these mother fuckers called me again so I blocked them with my Skype. They won't be calling me again with that stupid shit. If they want my brother, call his fucking number don't call me up playing dumb and shit.

(757) 961-3544

August 30th, 2012 Mike TX

Believe it or not, it was my Granny asking if I wanted some fresh baked cookies!

August 29th, 2012 karen in tx TX

Bottom feeders! Shirley called on my cell phone (this number is given to NO one but family!) about a family member who has NO outstanding debts less than 8 years old. They long ago came off the credit report & are outside the statute of limitations.

But these scumbags specialize in trying to convince people to pay them on debts that are VERY old. DON'T GIVE THEM A PENNY! The debt will go back on your records if a payment is made & it starts to ruin your credit all over again....

(626) 209-2244

August 24th, 2012 Jacquie IL

I keep getting new numbers calling me this number called twice so far on the Aug 24, 2012

(757) 275-8578

August 15th, 2012 Dave

Calls me every month, tell them every time they have the wrong person, (which is true) and to quit calling me, I have even provided them the address and phone number of the correct person but they keep calling and being verbally abusive

(757) 506-0177

August 5th, 2012 Southworth NY

Blocked successfully by my Call Control for Droid. They just can't PID me.

(412) 282-1423

July 31st, 2012 Cher TX

They call every single day about 4-6 times a day. It is impossible to get rid of them

(404) 935-6551

July 30th, 2012 Jan

they were trying to collect a debt that has already been paid off...years ago!! Who are these people?? I think they are all thieves!~~

(914) 513-0163

July 14th, 2012 ptvnlfm 34 Turkey


(757) 961-3544

July 13th, 2012 RICK NJ

annoying calls,please stop calling,don't have any debt and I'm 66 years old and retired.Traveling on#SSS and own my own RV>

(914) 513-0163

July 12th, 2012 dobgruz 88 Russian Federation


July 12th, 2012 Resident47 RI

Ochep's run-on paragraph with no sentence spacing has what to do with phone calls from PRA? Some caveats while we're on this:

Credit ''fixing'' is an industry as full of predators as with debt collection, most of whom will be taking your money for groceries and rent and doing nothing apart from digging you a bigger debt hole and making you more prone to creditor lawsuits. The process of strategic default does not require a self-named ''credit counselor'' to hold your hand the entire time, nor does it require special powers of negotiation known only to an office full of glorified salesmen. All debt is negotiable, and you can make those same haggling calls yourself.

July 12th, 2012 Ochep 66 Russian Federation

You will need collateral to get a colainodstion loan.Have you tried dealing with the creditors on your own?There are many, many good books at your library or bookstores.One I like is Credit Repair for Dummies not for dummies at all very good.It will teach you how to negotiate, settle, reduce payments, even do the pay on delete the right way.It will make you a PRO af fixing your own credit.There is a non-profit organization that does this for you in case you are not a reader.National Foundation for Credit Councelling.NFCC.orgThey will help you at no cost.Go to the site and call the 800 number and make an appointment at a local office.If they put you on the DMP program (debt management program), the max cost is about $30 a month.But only if you can afford it remember they are non-profit.They will contact all your creditors and work with them.If bankruptcy is your only answer they will be honest with you and tell you.Good reviews call them angels from above.Bad reviews say its embarrassing since you have to take all your bills and show them to someone.One person said they even cut up all his credit cards right there.If you don't like embarrassment do this yourself with the book this agency does not do anything that is not clearly stated in the books./

(757) 961-3544

July 10th, 2012 me CA

What A bunch of rude people PRA

(626) 209-2244

July 6th, 2012 Resident47 RI

No, Mike, the problem is that you don't need to be in debt to receive a perfectly legal skip trace call. As I tried to say before, you cannot assume your inbound call at dawn has a domestic source. In parallel with other industries, several high volume collection agencies have long ago outsourced to mainly South Asian call centers. This again is legal, if disturbing due to the huge potential for their abusing private financial data out of our sight and reach.

As to what I guess is your reference to the Truth in Caller ID Act, it's not so easy to apply to this call genre. The faulty or suspect CID has to be a real spoof, meaning PRA pretends to be some other entity, and the spoof must be connected to fraudulent intent. The CID entries currently reported in the log above would not meet those conditions.

None of this is to say, and this would be understatement, that PRA is incapable of illegal conduct. This is the one agency made famous a couple years ago by a dead woman who was somehow signing affidavits for debt lawsuits by the hundred each day. I've talked about that in a few PRA threads like this:

(4073474022) whocalled.us

If you're hot to bag PRA on some violation of your rights, you're far more likely to find your legal ammo through the laws I've already cited here in late May. You as a ''not me'' case don't get the broadest coverage, but PRA still cannot abuse, harass, or mislead you if it wants to stay out of court. Your next step should be a simple ''cease-communication'' notice via USPS Certified with return card. You would do the same if you were the target and the debt claim was invalid. This is the method promoted by the FTC and many consumer watchdogs, and the only way to set a legal landmine.

July 6th, 2012 Mike NJ

Problem is Resident, I'm not a debtor. And spoofing callerID is illegal. I am just pointing out those facts. Either they are operating illegally or actually treating their employees like shit because someone would have to be there if the person they are calling were to actually answer the phone.

(404) 921-2537

June 27th, 2012 unknown KY

they call 50 times a day...very harrassing

(757) 961-3544

June 25th, 2012 Mary Wright TX

No reason to be calling me, I don't owe tham a dime.

(702) 410-7489

June 23rd, 2012 m503t907 DC

Left no message; did not return call.

(757) 961-3544

June 13th, 2012 leave me alone OR

They called on my cell. How did they get that number? I have no debt issues.

(800) 772-1413

June 12th, 2012 Rick 02 Australia

I looked up your fucking house you jerkoff!

(757) 961-3544

June 6th, 2012 Annoyed

I never pick up and they continue to call. I just got my cell phone in February and I don't know how they got my phone number. Plus I don't have any debt, new or old.

June 5th, 2012 Veritas MO

FCC.gov if they call your cell phone! FTC can't help with

June 2nd, 2012 Nunya Bidness MO

Blockety block block. Or hit the call button and HANG UP. It's someone pretending to be busy, in order to continue to collect a paycheck. None of the advice offered here will help, other than you BLOCK the caller or DISCONNECT THE CALL without talking to them! Enjoy your summer vacation away from your mystery phone stalker. 8-P

(757) 506-0177

May 28th, 2012 Resident47 RI

PRA will continue to call you many times in the future until you revoke permission to call on Certified Mailed paper. I have linked to a huge volume of good advice for debt collector handling twice in this thread. You and ''D'' have no excuse to come back next month with the same complaint.

May 28th, 2012 LA Girl CA

They've called me many times in the past, for a long time. The last time they called me Sunday May 27 at 12:41 pm. They didn't leave a message, again.

(407) 347-6414

May 27th, 2012 Resident47 RI

Interrupted: You might sue for harassment but not for violating the Telemarketing Sales Rule, which is the law linked to DNC. Debt collectors are not sales reps to you, therefore exempt. You were correct that your calling rep was required to give you the name (or at least the acronym) of her employer. That alone won't give you much of a FDCPA case, I'm afraid.

Bill: What is ''obvious'' is that you don't comprehend the scope and usefulness of DNC. Here's ''the law'' you wanted ... the one ''Irritated'' is using correctly:

The call time you have reported is perfectly legal unless you have already given PRA written orders to the contrary. If the debt at issue is not yours or ''out of stat'' as in Irritated's case, you can follow his/her example and send a cease-comm notice via USPS Certified with return card. PRA is like other high volume agencies in that your verbal demands will not be taken seriously.

(626) 209-2244

May 26th, 2012 Resident47 RI

The agency's autodialer need not be located in California just because you see that in the NANP reference.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.

May 26th, 2012 Mike NJ

Wow. You shitbags treat your employees pretty shitty if you have them up before 5:52am on a Saturday to call people on the East coast.

(407) 347-6414

May 25th, 2012 interrupted FL

Told the woman who called that there is no person by the name she asked for residing at this phone number. I asked 5 times who was calling but she kept ignoring my question. (I thought that under the law they had to tell you who they were and the name of the company that they were calling from.) She then told me that I didn't have to yell, and I said, "I thought you were hard of hearing since you didn't answer the question that I asked you 5 times". I asked, "Do I owe you any money?" she replied "NO". "Then stop calling me or I will sue you for violation of the Do Not Call List and harrassment."

(412) 282-1422

May 12th, 2012 FED UP MI

These people called at 4:30 am in the morning, I thought it was an emergency phone call from a family member. I told them I never heard of the person they are looking for. This has been going on for 2 years. They are rude and they call me a liar. I hung up on them they called back again at 5 am then again at 5:15 am then again at 6 am. I am going to contact a lawyer to put a stop to this harrassment of these brainless wonders.

(407) 347-6414

May 4th, 2012 bill OH

Anal pores called at 8:06am. Where is the law? Obviously operating outside legal limitations and don't give a damn because the DNC is a joke.

(914) 513-0443

May 1st, 2012 cate PA

Hello, Resident 47, I only see your comments when I come to this number on this site -- they use other numbers in between, and usually, 800notes is the only good site that comes up when I search the phone number. I went to see about the registered agent at the link you provided -- that is a whole lot of information, nice to know, but more than i want to exert myself -- these turkeys can call me forever, it has become sort of a recreation to report them and to read the latest comments from others, especially as they only call now and then, instead of every day.

I do not know what motivates their continued calling, as no one has picked up the phone in all the years they have been pestering us. They have heard from our state attorney general, they know the low level of our interest in them, and they know that if they have legitimate business with us, we expect the so-called debt to be verified, and we expect their contact to be in writing and on letterhead, and signed by a living individual. So far, they have provided nothing like that, except for the responses from my letters that the attorney general's office forced them to produce. Their responses did not verify the debt, and in fact admitted they cannot verify the debt. They also know that any further b.s. like the 1099-C gets complaints sent to the Atty general, the IRS, the post office, the FTC, and next time to Norfolk's BBB and Virginia's Atty general as well. In the interim, my attitude is, let them amuse them selves, waste their time and resources, and further sully their reputation.

May 1st, 2012 Resident47 RI

That was me talking about Registered Agents, Cate. If my working definition from two months ago did not suffice, below is a wiki link for more detail.

Next is a pretty good directory where you can plug in business names. You can also find your RA by searching state registration and licensing records for companies which do business in your state ... assuming such records are required by law and the company in question has complied.

Back on the topic of PRA, here's what I should have thought to ask weeks ago: Do all of the more recent calls concern the account with the 1099C? If PRA is skip tracing or working some other account, I'm not sure any prior restraints on calling you would apply.

Against the ''least sophisticated consumer'' standard adopted by the FTC, issuing a 1099C and using the phrase ''cease collection'' should mean no further collection activity on that account. One possible back door would be to claim a loss on only part of that account balance, which I only considered as a parallel to a common dirty practice of debt buyers selling off a so-called ''forgiven'' portion of debt. This all drifts into tax law territory where I would not safely comment.

(757) 961-3544

April 28th, 2012 KARL SC



(412) 282-1422

April 27th, 2012 linda KS

i got a call from these people on a fashion bug acct over 10 years old which i could not pay off cause of my health and had to quit working they need to leave people alone and quit harrassing them,shitbags i reported them to my attorney general'''and better business breau'

(407) 347-6414

April 27th, 2012 irritated FL

If it is Portfolio Recovery send them a cease and desist letter... the last time I got a "settlement offer" from them I noticed the following hidden on the back side: "Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency." Meaning the debt is past the statute of limitations and the only thing they can do is call you incessantly. If they continue calling after they receive the cease & desist letter it is harrassment and they are in violation of the Fair Debt Collection Practices Act and you can report them or sue them.

(702) 410-7489

April 25th, 2012 Resident47 RI

Helpful: Knowing that SoL has run is only part of the story. Your moldy account can be collected until Doomsday or your death, whichever comes first. The only difference between now and 2006 is that PRA can't get a judge to help collect. If you're sued over this, you would raise SoL as a killer defense. Any threat to sue you would violate the FDCPA, which is the controlling law for debt collectors.

Next, as you've found belatedly, the Telemarketing Sales Rule does not apply here, as the ''marketing'' part of the term should imply. This also makes Do-Not-Call complaints from you and Sam invalid. The following URL links to the FTC FAQ page which the DNC site *twice* coaxed you to read before you registered your numbers. See items 28 through 32.

As for revoking all permission to contact you, the FDCPA specifies that you do so in print, just as your rep told you. Send your cease-comm notice via USPS Certified with return card. Verbal demands cannot be proven, thus are not much obeyed by chronic lawbreakers like this agency.

Bubba, I would more accurately say the PRA rep was leaning on your sense of shame. The word ''deadbeat'' was implied even if never spoken. This is a very common industry tactic, frequently leading to legal violations you can use as ammo against the agency in court. Possibly your PRA rep has already ignored your rights, if you study what was said closely.

April 25th, 2012 Unhelpful Hint IL

Upon further reading, I discovered that debt collectors are exempt from the do not call registry rules. So sorry for the WRONG info!

April 25th, 2012 Helpful Hint IL

I've gotten two calls from Portfolio Recovery Services in the last month about a debt from 11 years ago. I'm from Illinois, and the statute of limitations is five years on collection of delinquent revolving lines of credit, such as credit cards. Which is to say, the original debt cannot be collected after five years. So this debt was legally no longer my responsibility 6 years ago. I told the last guy who called to not call again, and he claimed I had to do that in writing. That’s not true According to the Federal Trade Commission’s Telemarketing Sales Rule (aka: the do not call registry). If you tell someone they cannot call you again, they have to abide by that, even if they have conducted business with you within the last 18 months. Otherwise, according to the rule, if you have not conducted business with a company within the last 18 months and you have put your phone number on the do not call registry, they cannot call you. If you have told them not to call, or you haven't had any business transactions or communications with them in the last 18 months and they call you any way, be assertive and get their name, company name and location and tell them you are going to report them to the Federal Trade Commission. The FTC will investigate and possibly fine them. I’m sure you’ll never find out if they were ever fined over your complaint, but this should give them a reason to delete your phone number from their automated computer calling system.

(757) 961-3544

April 23rd, 2012 808 HI

Saturday, 9:22 AM, no message left by this caller 757-961-3544. Call received on my fairly inactive wireless pay-per-minute telephone.

(404) 921-2537

April 23rd, 2012 ds NJ

Douche bag collection agency looking for a NEIGHBOR. They will actually call your neighbors looking for people.

(914) 513-0443

April 23rd, 2012 cate PA

They have not called from this number since March, but this is the 187th call they have made since they "decided to cease collection efforts" in September 2010 (I have that in writing) and issued a bogus 1099-C.

One person on this discussion said there is a "registered agent" in each state for these vermin? What is a registered agent, and how do you find one? I personally want no contact with these vile, disgusting verminous sons of pond scum, as any contact at all is likely to be dangerous.

AND I reiterate, IF the Best Congress Money Can Buy wanted this to stop, it could be done tomorrow.

(412) 282-1422

April 20th, 2012 FOG NM

They called ... I answered ... they wanted to talk to someone I don't even know! Then they said it was personal.

(404) 921-2537

April 19th, 2012 winner CA

collectors.ignore them

(757) 961-3544

April 18th, 2012 Lilly TX

This debt is from 1996 and they are still calling on 200 that got to 1000 with interest charges. I had just lost my job and moved away and now they are calling cell phone because its on my bank account and they can see it on credit bureau files. Tell your bank not to share your personal information / OPT OUT. And don't put your cell number on bank account or credit cards or school files.

April 18th, 2012 Deb TX

They use different phone numbers also 774-633-9224

(702) 410-7489

April 17th, 2012 Bubba IL

Portfolio Recovery called me about a debt that is more than 6 years past the statute of limitations. She tried to insinuate that my intent was to never repay my debt when I actually lost my job and hopped from state to state for 5 years until the statute of limitations was up. You know they're hard up when a shady collection agency appeals to a person's sense of decency and fairness to get them to pay off a debt.

(914) 513-0443

April 16th, 2012 mw

I recieved this call today.
I know who has my phone number so I did not answer.
Thanks for the information.

(407) 347-6414

April 14th, 2012 Bob PA

No message however based on the comments left here a real classy company. Next time they call I might answer with a pleasant and ear shattering high pitched whistle into the phone speaker

(404) 921-2537

April 12th, 2012 Al IN

Received a call at 8:22am CST form this number-do not answer calls unknown to me, tried to call them back and of course they don't answer...
Caller ID only gave number 404-921-2537

April 7th, 2012 m503t907 DC

Leaves no message. I will never ever answer a call with this type of ID.

(757) 275-8578

April 5th, 2012 Resident47 MA

Bill is correct all the way. I've written about PRA on this site many times, but this thread should give everyone a pretty good start in raising proper disputes and deflecting this agency's abuses:

(9145130163) whocalled.us

If PRA or any other agency thinks you owe something, be sure to respond on real paper to its federally required dunning letter with a dispute and validation request, adding that you either restrict or revoke consent to call again. Given the industry's documented need to break laws to get at your assets, you should dispute even if you agree slightly with its claim.

If the account is not legally collectable, or it's simply not you they want, you're free to send a full cease-comm, cutting off all contact. Send all notices via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft them. Pay close attention to all communication and document it well. If those contacts yield legal violations, you may collect from *them* through a judge or arbitrator.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.

April 4th, 2012 Bill OH

This is a debt collector with a questionable reputation with seemingly unending quantity of available phone numbers from many area codes. Visit the internet and examine reviews of their unscrupulous practices. I believe they have been sued before and buy accounts to collect on that are very old and even beyond statute of limitations. Do not start dialogue or send them any money on accounts beyond legal responsibility as this may create an new beginning of debt.

(626) 209-2244

March 31st, 2012 m503t907 DC

Left no message; since I have no credit card debts, call is ignored.

(731) 256-7106

March 28th, 2012 Resident47 MA

Luna, you're being called by a debt collector known for illegal practices. Ignoring all the calls may cost you valuable evidence you can turn against PRA. If you've been dunned and not responded with a prompt written dispute, you've only made it simpler to get yourself sued. PRA is a frequent plaintiff on my court calendar, tearing into people's assets by the dozen because the simple challenges to their claims were never made.

Neok was probably getting skip trace calls for someone else. You don't need a valid debt or a derogatory trade line on your credit reports to be hassled by debt collectors. They call third parties to alleged debtors all the time for permitted skip tracing purposes, or often pretending it's a trace to annoy and shame an intended target whose location is already known.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.

March 27th, 2012 Luna FL

They call from different numbers from different states, also they send mail notices, I just ignore every number I don't recognize.

(914) 513-0443

March 19th, 2012 Cate PA

Another call today from this particular number, one of four dozen or so that Portfolio Recovery has shown on the caller ID since they started pestering us in early 2009. This was the 176th time they have called our house since they wrote telling us that they had "decided to cease collection efforts" on this unverified debt, that is also way past statute of limitations.

(412) 282-1422

March 17th, 2012 Ray PA

I changed from Verizon to Comcast over 3 months ago. I've had calls from all over USA, several debt collectors, pharmacies and private landline and cell numbers. Not 1 private regular landline or cell has left voicelmail so of COURSE I'm notreturning their calls. Even the POLICE have called, and I returned the call. I, too, have tried to tell PRA the man they named no longer has this number! SO I have blocked their numbers,and now they've used another, that I just blocked. I could change my number but put a nice gospel message on my answer machine. IF they listen, that's what they hear. That probably aggravates them even MORE but since they don't believe what I tell them, I give them another truth they might reject!

(757) 961-3544

March 13th, 2012 aiwa0u812 WA

i got a call from (575)961-3544.the number came back as a debt collector.i paid my loan off for school i went to to better my life,only t find out i went to school fo welding and can't find a job.all i did is wast money on a degree i can't use.thank you oboma for the debt i paid off.and thnksfor fixing the job market!ya go to school for nouthing,thank you. aiwa0u812.....

(914) 513-0443

March 12th, 2012 cate PA

to clarify, it was the 173rd time Portfolio Recovery had called FOLLOWING the decision to "cease collection efforts" and issue the 1099c, at the beginning of September of 2010. They had been calling since late March of 2009.

March 12th, 2012 Cate PA

Resident47, the call "#173", (to which you allude below) made on 3-5-12, is quite literally the 173rd time a number known to belong to PRA called this house, with "Portfolio Recov" in the caller ID -- as they were directed by the state Office of Consumer Protection to do on all their calls to this house -- I keep a detailed log of all "pest" calls. They issued the 1099-C in September of 2010, immediately after I had complained about them to the state attorney general, following 18 months of harassment by dozens of phone numbers, with NO name in the caller ID.

I believe I had heard that once they "decide to cease collection efforts" and issue a 1099-C, they must not continue to call. I also read on some consumer rights site -- maybe Budd Hibbs -- that after they have issued a 1099-C, they may not re-sell the debt to another bottom-feeder. Something is very much awry in the universe, if persons like my husband and I can be receiving all these calls from bottom-feeding verminous, so-called debt collectors, when we do not have ANY overdue bills we are aware of. PRA is clamoring for some credit card issued to a person who is not the name of either of us, for a credit card debt from 1997, for a bank I cannot say I ever heard of. Some lawyer they hired to deal with complaints from state attorneys general was forced to write to me -- they had refused to reply to all previous attempts to communicate. He wrote that they had bought the totally unverified debt in 2001, and began collection efforts in 2009. Obviously, after waiting eight years to try to collect, in a state with a 6-year statute of limitations, how can they be taken seriously? The lawyer, Pearson, wrote to me and admitted they cannot validate the debt, that it is a line on a print-out. They did have the last four digits of my SS# on the fraudulent 1099-C. (BTW, the 1099-C did not affect our taxes.) It just seems to me that if the authorities wanted to put a stop to this sort of garbage, they could shut it down in an instant.

March 12th, 2012 Resident47 RI

Anna, now you know why blocking and ignoring is a losing strategy against debt collectors, particularly one like PRA which went out of its way to arm itself with a huge pile of numbers to throw at your few. First you have to determine if it's you or someone else being targeted and send the appropriate demand letter. The FTC provides beginner's advice and guidance.

In light of my discussion with Cate here, you may want to send notices to more than one address. Some recommend a street address over a PO box, while I would also consider PRA's Registered Agent in your state.


March 12th, 2012 Anna DE

yes it is portfolio recovery i believe calls all day and night from many many different numbers some computerized and when answered empty space some people after blocking it till i cant add numbers they start on a different set of numbers they just cant leave people alone and dont want to know anything just keep calling i put in my phone and few hours later the calls started just crazy

(800) 772-1413

March 11th, 2012 Resident47 RI

Buster, you're wrong on one point. PRA appears on my court calendar as a plaintiff throughout the year. I'm sure the numbers involved in junk debt discourage filing suit on an entire portfolio, but some people are chosen for special punishment. To rebut a second point, communication by USPS is unlikely to give away an address the agency does not already possess or cannot find. I've seen numerous instances of collectors automatically dunning a street address when only a person's PO box was used for billing.

Having personal and poor experience with your former employer, I won't argue with your skill for selective aggravation. Poking at the beehive is not a strategy for everyone, and I personally like my revenge wrapped in thousand dollar bills. The collectors' own calls can be turned against them as pointy weapons, which is half my point in promoting education in relevant state and federal laws.

(914) 513-0443

March 11th, 2012 Resident47 RI

While one agency could in theory hire the other, CBE and NCO are large enough in their own right not to be in bed with PRA. NCO is a major debt buyer with its own history of civil punishment. I believe it's still the record holder from May 2004 for highest FTC penalty for FCRA violations. It's unclear if Asset Acceptance beat that record in its Jan 2012 spanking for ignoring both FCRA and FDCPA.

Cate, I may have misread your prior comments. You mention ''call #173'' on 05 March. Did a voice identify PRA in that call, or is this call #01 from some other agency? I'll hang from a limb here and suggest that PRA did stop calling (for a while) as promised, filed the spiteful 1099C, *maybe* tried you a few more times, then quietly sold the account. Not necessarily in that order, but that event sequence would make the most sense. There is also the chance that your new playmates are skip tracing for other people.

It's unclear if you can still sting PRA for continued collection activity prior to validation. You'd have to review your call logs and notes, if any, and all mail from PRA. Any demands to PRA do not travel if the account was sold, so it's tabula rasa when the new agency comes calling.

March 10th, 2012 cate PA

Resident47 mentions below that Portfolio consolidated and rebranded local government collection agencies. This call from Portfolio was received on March 3, a whole week ago now, and I have not heard from them since they made that 173rd call after their decision to "cease collection efforts" on the account, for which they had issued a 1099-C in September 2010. Since that time, suddenly out of the blue, our phone has been ringing off the hook with calls from "CBE Group" and "NCO Financial" -- I wonder whether either or both of those bottom-feeders are spin-offs from Portfolio Recovery? No one in this house has any unpaid bills, so why these calls have emerged from the slime is anyone's guess.

(412) 282-1422

March 9th, 2012 Resident47 RI

Might be nice if people would cite their sources. Cobra cribbed that entire comment from a fake blog shilling for paper mill Lexington Law, which purports to ''repair'' credit reports. Poisonous and faulty trade lines are of concern, but hardly the only threats presented by trashy collectors like PRA.

I've already linked to the FDCPA material a couple weeks ago. Here's the official home of FCRA:

Challenging bad entries on credit reports is often a slow and vexing process, but it can be done without a middleman once you gain insight as to how reporting works and which legal tools are handy. Lexington is of course shy on detail and wants to scare people into becoming clients. Good advice and research can be found on the forums Credit InfoCenter and DebtorBoards, for no cost other than your time.

March 9th, 2012 COBRA AZ

Portfolio Recovery Associates Contact Information

Portfolio Recovery Associates
120 Corporate Blvd.
Norfolk, VA 23502

Portfolio Recovery Associates is a full service provider of outsourced receivables management and related services. Portfolio Recovery Associates has 1500 employees in Virginia, Kansas, Nevada, Tennesee and Alabama. Portfolio Recovery Associates have acquired in excess of $24 billion and has over 11 million customer accounts. Portfolio Recovery Associates purchases delinquent accounts from original creditors and then pursues debtors whereby their goal is to collect more than they paid for the debt.

Fortunately, consumer protection laws are in place to protect you from abusive collection agencies. The Fair Credit Reporting Act provides you with a way to eliminate collection agencies like Portfolio Recovery Associates from your credit history. You may want to study these laws and try "self-help" credit repair to rid your credit report of Portfolio Recovery Associates.

(407) 347-6414

March 9th, 2012 sharon FL

They are scumbags. They also call when they are not supposed to. We received a call from them Sunday night at 9:05pm. They are the lowest of lowest. Check out Bud Hibbs site and get the dirt on these people.

(914) 513-0443

March 8th, 2012 Resident47 RI

Cate wrote:
} letter carrier does not have time to spend .....[processing CMRR]

This is not an excuse while everyone is wringing hands over the jobless rate. Fifty new hires each for PRA and its local USPS should solve that right quick.

} ''good press'' Portfolio Recovery receives

I've not had the displeasure of dueling with PRA, but I'm aware of what an investment darling it's become as it continues to break laws in the face of attorney general action, numerous lawsuits, and its role in the robo-perjury debacle with Providian and Martha Kunkle's daughter.

You may have a point with the governmental inroads. (... or is that inbreeding?) PRA owns a bunch of municipal sector collection agencies, which were sort of consolidated 15 months ago and rebranded under the Portfolio name. Then they went around spamming sites like this with softsoaping invitations to ''resolve'' debt accounts on their new lashed-up website. The site's intent was in part to muffle the complaint noise on those very sites.

March 7th, 2012 Cate PA

Reply to Resident47: you mention an "honor system" for Portfolio Recovery to return the cards. I think you hit the nail on the head. I was told that they receive such a huge volume of these "receipt requested" letters that the Post Office delivers the whole pile at once, and the company is expected to return the cards. They said the letter carrier does not have time to spend standing there while thousands of cards are being signed and returned....sigh. You sound as if you are knowledgeable and experienced in dealing with these vermin, so you must be aware of the "good press" Portfolio Recovery receives in business publications. They are considered a very fine and respectable company. Many local governments have contracts with them. This would suggest to me that the principals in the outfit are well-connected politically. Just another instance of the 1% vs the 99%. As for me, the particular return receipt requested letter that we are discussing was asking 1)why they had sent a 1099-C, and 2) demanding verification of the debt. They were not about to answer either question, until the Pennsylvania office of consumer protection stepped in, and forced them to answer. I never did send them a certified letter to cease and desist, as I have to admit I am fascinated by the utter squalor of this whole bottom-feeding industry, and in a sick sort of way, I enjoy having them continue to call the house, just so I can continue to learn more about these slime and the Best Congress Money Can Buy, which could put a stop to their extortion scam in no time flat, if they wanted to do so.

(757) 864-0020

March 6th, 2012 ZombieBuster SD

BTW, these clowns are using their 1099-C fraud again. Just tell them that they can suck wind. Insult them...curse them out...it is YOUR phone...you don't need to put up with their crap. Also, mention things like..."Could you hold for a moment, I need to readjust the microphone on this phone recorder." When they ask who you are...ask them who they are. Obviously, they can't tell you who they are unless you tell them who you are. These people are NOT going to take you to court. They bought the debt for between 3 and 5 cents on the dollar. They count on you being afraid. Just do whatever you feel like. Heck, get a freon boat horn and let it off on your telephone mouthpiece. You do NOT have to be nice to these people. They are there for one reason...to get your money. Let them know that it comes at a cost. Insult anything about them that might set them off...gender, orientation, race, religion, nationality, family...get real down and dirty. There isn't a thing they can do about it...other than hang up. I love screwing with these people.

(800) 772-1413

March 6th, 2012 ZombieBuster SD

IOW, just ignore them...and they will move on to other "marks." I spent several years as a collections agent for Household Finance (now, the "respectable" HSBC. The simple fact is that you don't have to say a thing on the phone. Nothing works better than just answering the phone and remaining silent...but, I know how to piss them off, so I use more degenerate methods. The law isn't going to do dick for you...and, writing them letters is a great way to give them your current residence. Just blow them off. Tell them you are "judgment proof." Just do not tell them who you are. Now, I read what Resident47 had to say...and that's all very nice...and decent advice...in a way. I personally would rather piss these scumbags off.

March 6th, 2012 ZombieBuster SD

BTW, these clowns are using their 1099-C fraud again. Just tell them that they can suck wind. Insult them...curse them out...it is YOUR phone...you don't need to put up with their crap. Also, mention things like..."Could you hold for a moment, I need to readjust the microphone on this phone recorder." When they ask who you are...ask them who they are. Obviously, they can't tell you who they are unless you tell them who you are. These people are NOT going to take you to court. They bought the debt for between 3 and 5 cents on the dollar. They count on you being afraid. Just do whatever you feel like. Heck, get a freon boat horn and let it off on your telephone mouthpiece. You do NOT have to be nice to these people. They are there for one reason...to get your money. Let them know that it comes at a cost. Insult anything about them that might set them off...gender, orientation, race, religion, nationality, family...get real down and dirty. There isn't a thing they can do about it...other than hang up. I love screwing with these people.

I also speak Japanese and Korean...it is fun to start conversations with them in Japanese and Korean...it takes up their time...time they would rather spend pushing their little RICO operation.

(914) 513-0443

March 5th, 2012 Resident47 RI

How do, Cate. I remember responding to your MIA green card issue in April and July last year.
(8479942540) whocalled.us

I'd get a second opinion from a different Postmaster. The way Cert Mail is meant to work is that USPS controls and sends the return card, and should not surrender the mail piece until it's signed off. That independent handling is partly what makes the little card such hot legal evidence. Sadly, and stupidly, it's reported since my prior discussion that some large firms are granted an honor system arrangement in which the Cert Mail and first class are all delivered together, and it's left to the recipient to get the cards returned.

Personally I've not had a problem with ''lost on purpose'' return cards, and I've sent dozens to places with just as poor a reputation as PRA. This experience is echoed on other forums when this topic comes up. Your milage or abuse may vary.

When disputing a collector you should never be forced to extract USPS delivery receipts the hard way and risk a desperate challenge from the opposition about a ''custodian of records''. I would in fact roll that dodgy behavior into my civil complaint somewhere.

Not everyone enjoys a responsive AG or state consumer watchdog, so the direct actions I advise are what work most of the time and without waiting for a middleman. But these issues have to follow a strategy more than rigid instructions, so that ''gotchas'' and contingencies can be managed wisely. You found leverage and used it when primary options failed, and that's really a huge part of the task.

You know what you might try is another mailing, but not to the PRA headquarters. I'd bet they have a Registered Agent in your state, possibly one which reps many companies. The RA exists mainly to provide a presence in-state so people can easily send poison letters and file lawsuits. Some pro se litigants actually prefer dropping their Intent To Sue letters on the RA, where they might get the attention of a legal officer with half a brain. I should think your pile of calls from the past 12 months will make a dandy case.

March 5th, 2012 cate PA

This is call #173 from Portfolio Recovery Associates, since they "decided to cease collection efforts" in September of 2010. I have news for Resident47: these bottom-feeding offspring of vermin do not return those little green cards. When I reported to the Post Office, they said returning them is voluntary. I paid for that stupid little card! So, yes, send PRA certified mail, but do not pay extra for a return receipt. The USPS data base will prove they received the letter. They will also not respond to any letter you send them. The only way I got a response was through the state attorney general's consumer protection bureau, who forced them to write me a reply, and who also sent me a copy of the letter they had received from PRA. Apparently PRA hired at least one lawyer to work full-time on dealing with complaints received through the fifty state attorney general offices.

March 5th, 2012 Resident47 RI

akaMom: Your complaints will be misfired. The DNC registry is for telemarketers, meaning sales, meaning all debt collectors are exempt. This fact was not kept secret from you when you registered your numbers. Attorneys general and the FTC are valid complaint venues which help the public good. But understand that you must confront collection agencies directly if you dislike their treatment of your privacy and consumer rights. Certainly those violative early bird calls qualify.

Debbie: Do you suppose Eric Schneiderman is going to drop everything for a civil action you can manage yourself? You get only a year to pursue FDCPA claims; you don't want them sitting idle. If you have a mint green USPS card returned from PRA, YOU are the one who can ''stop the calls NOW''.

March 5th, 2012 Debbie NY

They call on a debt that i don't have. Can't give me an account number or who it is with. The only thing they say is its a debt from 1988. They call 3+ times a week and on Sunday. They just called me today (SUNDAY) after nine PM. This is against the law. I told him I am recording the conversation and he hung up on me when I said I wrote a certified letter for you to stop calling and I am now recording every time you call. My next step is to take it to the NY Attorney General. This is crap. Stop the calls NOW.

(404) 921-2537

February 24th, 2012 Resident47 RI

Please see my response in another PRA thread.
(4122821422) whocalled.us

(412) 282-1422

February 24th, 2012 Resident47 RI

Ramona is correct. PRA has a ridiculous volume of phone numbers to throw at your few. The experience of ''Amazed'' is very typical when facing a chronic lawbreaker like Portfolio Recovery. The reps will insist you're a liar until you magically produce the alleged debtor and help them score commissions. Thus verbal demands to stop calling are futile.

To a ''not me'' case I always recommend putting the agency on notice, just as you would if you were the target and the debt claim was invalid. Send a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. This will set a legal landmine, as such a notice is ignored at their peril.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.

February 24th, 2012 amazed VA

Wow - these people are ridiculous! Tell them people they are looking for don't live here - they don't believe me.

(518) 207-3608

February 24th, 2012 FRANK G NY

It's not even a legit debt, and it wasnt MY debt

(404) 921-2537

February 24th, 2012 FRANK G NY

They never give up, and it's not even my debt or the debt of any family member.

(404) 921-2521

February 23rd, 2012 FOG NM

They keep calling ....... and all our credits records have a FREEZE on them for ID Fraud. Maybe thats why they call - they think they can get access - NOT THIS TIME! Don't know how they got the LAN line Number ... we are unlisted & un published. The LAN line forwards to the Cell (Android) and the numer is on the "REJECT List" - Block works on all the other numbers.

(404) 921-2537

February 23rd, 2012 cat FL

they never give up

(914) 513-0443

February 22nd, 2012 akamom WA

I have had it with these people they call day and night as early as 715am. I am now logging a complaint with the National Do Not Call Registry each time they call, hopefully if enough people log these calls with the registry the calls will stop.

(757) 961-3544

February 22nd, 2012 akamom WA

These dirtbags are calling day and night . they just called my cell at 0715. isn't there a law that prevents calls so early in the morning?

(702) 410-7489

February 22nd, 2012 Resident47 RI

Define ''nasty'', Reynolds. You don't owe debt collectors any answers, but they owe you a minimum of civil behavior. If you're badly treated, they also owe you a payout in court. It's likely the agency had no need to hassle you, but pretended your son went missing so that you would help it create the desired false shame.

You can demand on paper that you never be contacted again. Your son needs to take control when PRA gets around to dunning him, sending a proper dispute letter which includes instruction that some or all calls are inconvenient and that no other family members are to be disturbed.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.

February 21st, 2012 L. Reynolds PA

Just received the rudest call on my cell. This individual asked for my son and when I told him I would take his number and have him call, the guy got really nasty. He would not tell me what the call was related to, but DEMANDED that I give him my sons cell phone number.

Instead of getting his information, I simply said, "this conversation is done."

(914) 513-0443

February 20th, 2012 Resident47 RI

What violation? A call in the afternoon on a Sunday? Better read the FDCPA again, B.

If that's all you have, you'll need the call to break state law. Lacking abuse from collection reps or an annoying pattern of calls, good luck in getting that prize from a local ''Mayberry'' judge.

February 19th, 2012 b in mn MN

got a call from this number today, Sunday, Feb. 19, 2012 at 4:51 pm. I am going to file a complaint under the fair debt collection practices act against this company. Hopefully, it will cost them their license and they could have to pay me $1,000.00 for this violation

(412) 282-1422

February 18th, 2012 Ramona MT


February 17th, 2012 akamom WA

call blocked these fools, they call day and night and weekends. I have told them the person they are looking for does not live here, they continue to call.

(914) 513-0443

February 17th, 2012 akamom WA

had to call block these people call day and night weekends included. I have tol them that the person they are looking for does not live here. real ass pain these people are

(404) 921-2537

February 16th, 2012 annoyed VA

These people call for my mother in law. I tell them she DOES NOT live here and hasn't for years .... but they keep calling from about 20 different numbers. Seriously - leave me alone!