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
Andrew Holmes, President
Craig Grube, Sr., VP

THE NUMBER 1 800 772 1413
1 800-860-0644.
 Sep 10th, 2013
Here's just some Portfolio Recovery Associates' numbers





















847 994 2540

518 207 3602

404 921 2521

484 489 2841

484 489 2840

626 209 2244

626 209 2241

800 772 1413

410 575 1863

620 662 1492

859 918 0780

678 265 1576

678 265 1568

858 346 1184

800 860 0644

443 313 1382

443 313 1381

412 282 1423

412 282 1422

412 282 1421

440 580 0721

440 580 0720

877 803 0008

757 864 0020

914 513 0163

571 261 0047
 Jun 25th, 2013
please stop calling this is a work number
 Feb 27th, 2013
hung up when I answered. Called at 8:15 am
 Feb 06th, 2012
Message left on company recorder and all i heard was what sounded like someones radio playing in the background.
TRS 1952
 Nov 09th, 2011
Valuable reading on the federal laws which govern third party debt collectors:
 Oct 17th, 2011
Black, what you first need is for someone to take away your internet access. This is a mystery caller site. Do you see the page title up there? Do you see the URL? Does the name ''Who Called Us'' match ''Portfolio'' anything? Neither this site nor this thread page are maintained by PRA and this is not a communications channel to that collector.

If that's a bank account number you've publicized you'd best close it .... right now. Any fool data harvester can see that now.

Next, if you'd taken the time to review this thread or any other consumer forum referencing PRA, you would quickly get the idea that this debt collector is not your friend and not going to help you with anything but the bleeding of your assets. Debt collectors *do not care* about your personal problems or your apologies, especially known lawbreakers like PRA. What's more, whatever circumstances put you in default are NOT defenses. Put those aside and start thinking about your rights as an alleged debtor.

You cannot blindly trust that what collectors claim is correct -- not the creditor name, not the amount, not the account number, not even your name, not even if legally they can collect at all. If PRA is chasing you by phone and you can receive US mail, you should by law have a dunning letter from them, sent shortly after the first phone contact. That needs to be answered timely with a validation request, which I briefly discussed here last November.

If you're caught by voice again from one of PRA's endless dozens of sneaky phone numbers, please refrain from any more blubbering about how you can't pay. That's a step away from admitting liability, which is not your job and makes matters worse. It's *their* job to prove *their* assertions once you demand they start digging. You want information flowing only one way, from the collector to you. If you can't handle this, stay the hell off the phone, but document each related call to you and others carefully, also for reasons discussed in this thread.

Understand I'm not trying to be cruel, just realistic. Unlucky as your current displaced life sounds now, collectors will only make it worse if you don't handle them wisely. Your instinct for despair and shame is natural, an instinct a predatory collector will gleefully use to defeat you before you can blink twice. They don't have your whole story, just a name and a few numbers. Don't go filling their blanks for them. Stay safe.
 Oct 17th, 2011
Itakled to a lady.And she said to write to you.I live with my son.I can't afford a place of my own.He helps me with my medicien or I would't have them and I would be sick.I'm sorry I can't pay you.I have two bills there.I wish i could do more.But I have to live with someone so i have a place to stay.I know that it isn't your problem.I'm sorry. Dle Black account number 035-727-8415405 Thanks
Dale Black
 Oct 17th, 2011
JoshP: There is not much excuse for a debt collector in the 21st century to be pestering everyone and the neighbor's cat to ''locate'' someone who is already found. This is done to create false shame and they know it. Excess skip tracing I would argue is deceptive and abusive, therefore illegal. Not a clear-cut path in a FDCPA case, granted, but maybe necessary until the law gets a badly needed revision.

As discussed here before, demands to PRA and any collector should be in writing, sent USPS CMRR, including a simple ''not me, quit calling'' notice. FDCPA has little reach for those third parties, but this can lay the bricks for a TCPA case.
 Oct 04th, 2011
Portfolio Recovery. The number caller IDed as 800 Service.
Harmony D.
 Sep 30th, 2011
This is a collection agency, not a scammer. This agency specializes in "skip tracing," that is they will call everyone in your region with the same last name looking for their target debtor. I have a family member 60 miles away who owes money to several credit cards and utilities--the agency does its research and will call all the debtors' relatives looking for the person who owes money. It's totally legal. They can call you until you tell them to stop calling.
 Aug 16th, 2011
Received a call and no message left on the answering machine.
Andy in PDX
 Jul 18th, 2011
call today using another number 407-347-6414
 Apr 26th, 2011
Left message, after a full minute of blank tape, said to call 1-800-860-0644 for a debt collection, but did not say who this was for??? Then stated their main office was in Virginia.

They also called from three other NEW Numbers, this month, but did not leave a message. I just keep blocking their numbers. They never say who these calls are for, and they seldom leave a message. Most times, they get my Voice Mail, use up 1-2 minutes of blank tape, then hang-up.
 Dec 27th, 2010
I received a partial pre-recorded message from this company today. At the end of the recording they provided the following information:


120 Corporate Boulevard
Norfolk, VA 23502

I did a Google search on the address, and it came up as Portfolio Recovery Associates.

There are a LOT of reports about them being Fraudulent, and producing phony affidavits, etc.

Here are some of the links, check these out for yourself!!! One of these is even as far back as a legal complain filed in 1997!!

HOW can companies like this be in existence?? I will be filing a complaint with the FTC and with the BBB about this!

I hope others will file reports as well! These types of practices need to be stopped!
 Dec 03rd, 2010
PRA is hardly the only debt buyer trafficking cheap and aged debt accounts, some of which literally are sold for 03% of the given total. The game is pure profit at that point, and the original creditor is out of the loop. Unlike our homes and cars and other property, the chain of title in debt accounts tends to disintegrate the more they are passed around, sometimes leading to harsh threats and lawsuits over utterly corrupt data. That's one big reason it's so important to question anything a collector says.
 Nov 30th, 2010
Received a couple of calls from this number with same recorded message. I had no intention of returning the call after I came to this site and read through the other comments. However, I did go to PRA's website and saw that they buy old credit accounts other companies no longer want and collect on their own behalf, not the original creditor. Found this excellent article on
Lil Texan
 Nov 29th, 2010
You're quite welcome, Kathleen. The collected wisdom of the financially oppressed shall set you free!

One other well of hope in the law is the part that allows you to bill your opponent for your own legal fees when (not "if" methinks) PRA loses the suit you could potentially file.
 Nov 09th, 2010
Thanks so much for your help Resident. I really appreciate your insight into this matter. I will look into everything. You have given me hope!
 Nov 09th, 2010
There are two good approaches here which will suspend the calls, on pain of retaliation from you if the calls continue. You could request validation and have a laugh as PRA fails miserably to properly respond, and/or work up an "intent to sue" letter based on any violations committed. Within that validation letter you can also restrict contact to certain hours or strike the use of voice altogether. If you're in a hurry you can give the total cease-comm, and again monitor for violation. The FTC material on debt collection describes how to do the latter, but for some reason shies from detail on validation. A few decent guides are linked below:

My own response would be request for validation, on the theory that a collector this desperate may try to make a false entry on your credit reports. It's highly unlikely PRA would have proof of claim for an account dating back to the Reagan administration. A cease-comm reduces their options to reselling the account to some other clowns or (very stupidly) suing you. Disputing the claim frustrates that food chain a bit more, gives you a chance to kill the bug dead.

If the live caller won't divulge a mailing address it's not hard to find yourself. I wouldn't be too worried about lacking their file number or whatever. If PRA reps ask to speak to "Kathleen Whosiewhatsit" and that's your correct name they obviously have an identifier. They should have internal outbound call records they can cross-reference if you say "This number received calls on these dates and times", and so on. Whatever you send, pay the $5.54 for Certified with card and don't mark a signature anywhere. You don't want to find later you "signed" some false agreement you've never once seen.

Meanwhile I would keep careful records of all contact attempts to date. They may have done, or may someday do, something dumb (as in illegal) you can use against them. How often, what time, what was said, it all counts.
 Nov 08th, 2010
I don't have an account number to put on the letter because I won't give them the last four digits of my ss#. And they have not sent me anything by mail so I don't know how I can send the cease comm letter
 Nov 07th, 2010
I googled the cease comm letter. I am going to do that now. I have a feeling they won't go away. They are lowest scum on earth.
 Nov 07th, 2010
Yes, that's exactly what she said! Cease comm will be my next move. Thanks for your feedback. Do I do the Cease-comm through the ftc also? I live in California.
 Nov 07th, 2010
"She said I identified myself when I answered the phone."

Yeah, I'd like to hear PRA try that one in a courtroom. Technically they need an SS# to properly discuss the account by phone. Privacy for the consumer is a touchy part of the FDCPA. But you don't need to play their way and you were right to stonewall.

It's such a piddling and ancient account I can almost not believe they are wasting a rep's time trying to scare a payment from you, Kathleen. You are correct, that would be considered long expired debt by any state SoL. If PRA wants it badly enough, let someone spend the half buck mailing you a dunning letter as required. I would also consider a complaint filed with the Virginia AG, and if PRA continues jangling your phone, send a cease-comm with a few choice insults for its extreme bottom feeding.
 Nov 06th, 2010
I am getting calls from these idiots recently on a debt from 25 years ago to Sears for a couple hundred dollars. I called portfolio and they refused to give me any info unless I gave them the last 4 digits of my social security number. I refused and they got very upset and said they could not help me. I said I am not giving you any information to someone I don't know why you are calling. She said I identified myself when I answered the phone. They have a response to everything just to try and scam you for something that is too old to have any recourse. I had to turn my answering machine off and they call all weekend. It does not show up on my credit report. I filed a complaint with the FTC today.
 Nov 06th, 2010
These calls are deliberate harrassment. They can't be anything else.
 Oct 30th, 2010
I wish Jose had cited his source. I'm reading that New York's SoL for all forms of debt is six years. The case should have been dismissed on the first try either way.

Most of what "MaggotAssassin" said was correct. Where we differ is on expected behavior. Making a validation request of a third party collector automatically enacts a temporary gag order. Why tell them how to do their job? The most likely reaction, since the alleged debtor is making the agency work for a jackpot, is to quietly sell the account. But the collector may still decide to sue if the debtor is thought to have adequate assets and/or a weak case.

The critical takeaway is that this is never about Right or Wrong but whether the debtor is a profit source. The nice lady from "NYC" over three years ago began discovering that (and some typical debt buyer tactics) in one rude call. But she did something most won't; straightened her back and challenged the claim. PRA is known for desperate, dark-dwelling procedures, and sadly growing in strength because too many are uninformed and scared, the way they like prey.

PRA is posting a huge profit increase this year and this summer hired a gang of lawyers for its stable of lawbreakers. By the dozen they are winning stealth judgments, meaning assets frozen before the alleged debtor knows what happened, and often against the poor and working class.

Do not roll over for PRA or any collector, but don't ignore one either. The FDCPA grants each of us the private right of action, but it's powerless if we don't use it. Learn your rights at FTC-dot-gov.
 Oct 07th, 2010
Recently, a judge in New York ruled that Portfolio cannt collect on debts after more than three (3) years. Portfoliois based in VA, but has offices elsewhere, so their attorney in NY state sued a debtor for a 10 year old debt. Portfolio won the first two judgements, but lost the final appeal
 Oct 06th, 2010
there trying to coleect from a 31 yr old account and have added interest penalties from 1999?
 Aug 21st, 2010
hey portfolio recovery... go fuck yourself...
 Aug 11th, 2010
to whom it may concern ,i dont have any credit cards and havent had any for at least 10 years i dont know your sending me a bill thankyou glenda smith
glenda smith
 Jul 20th, 2010
Got the call, called back, they had left a message on the answering machine. They wanted me to verify the last 4 of my SSN. I refused. Got heated, I hung up. I called back, talked with a Karla. A debt collect agency in Norfolk, VA. I told her I don't give out personal info on the phone and for them to stop calling. She said they could not give me info about the call until I identified myself but they would put a 7 or 10 day hold on the calls. She gave an address for me to write to to stop the calls. I told her that in Texas all I had to do was to ask them to stop and that I was recording the call. She said she didn't give me permission to record the call. I said I didn't need permission and that the call was being recorded. She promptly hung up.
Will see what happens....
Jim Glenn
 Jul 06th, 2010
i have not been getting any calls this is about my account#529-115-2111009490. $254.09 is suppose to come out of my checking account on the 3rd of the month and i need to stop it for the next 3 can resume on the 3rd of oct. i can't call because my phone has been shut off. i hope you can help me. thanks sue anderson
sue c anderson
 Jun 29th, 2010
They seem to be looking for someone else. After reading all of these comments, it's occurred to me that they may be a "legitimate" debt collector, and just working with bad information that they've been given. If some identity thief put my phone number down on a credit card application, then they'd think it was legitimate. It wouldn't be hard for someone with the same last name (mine's fairly common) to pick an address and phone number out of the telephone directory, and pretend to be "Mary Jones" instead of "Jane Jones".
 Jun 18th, 2010
They left voice mail telling me to call 1-800-860-0644, which is Portfolio Recovery Associates, LLC, valid company. After many days of calls, and after researching the company online and through BBB, I reluctantly called them. Told them they had wrong person, quit calling. They refused to take my number off the call list unless I gave some personal information. I reluctantly gave DOB and they agreed they had been calling wrong person. No apology and could give no explanation as to how they decided to call my number. (I have common name.)
 Mar 29th, 2010
Portfolio Recovery Associates, Inc.
120 Corporate Boulevard
Norfolk, Virginia 23502

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

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-
(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-
 Dec 21st, 2009
They left a message on my sister-in-laws answering machine for me. When she called their number to see who it was, the intro-message explicitly states it is a collection agency. This clearly violates the federal prohibition regarding third party disclosure. Furthermore, they were trying to collected on a debt that was discharged in 1990 for GE Capital. GE must be really hard up for money!
 Dec 04th, 2009
Just got this call on my cell phone. Number on screen was 800-772-1413, pre-recorded message to call 800-860-0644 and that it was a debt collector, Portfolio Recovery. I am not calling them back - I am not late on anything nor do I have old outstanding debts.
 Sep 21st, 2009
Portfolio Recovery Associates, owned by the master scammer Steven D Fredrickson, might be the biggest scam operation on this planet. Steven D Fraud should be his name. Don't ever communicate with them and NEVER send them any money, or it will only get worse.
 Sep 21st, 2009
I do not any debt accounts that anyone should be calling me on. I printed out my credit reports this year, actually pretty good in these economic times but I have been getting phone calls from debt collectors at least two times daily mostly "unavailable", or other phone number unknown which I do not answer. Then I get mail material and they list an account that I had 15 yrs ago with any amount due unknown to me. Possibly could be someting from my ex-husband, we were divorced and now he is deceased. Then I get a "new" debt collector, which for the past two days leaves a message that they Portfolio Recovery, very creative name and they must be the hatchet people because the previous calls did not leave a message, the number left is 800.860.0644 say they are collecting a debt, and to call them, does not ask for a named person and does not tell you what the debt is but since this is like the fourth collector in the past several months, I assume it is the same.
How do I get these people off my back? I do not give out the number they are calling me on and they did call me at work one time whic I never give to anyone other than family and friends. I asked them to send me proof of this debt and they hung up on me.
I do believe these people are a scam ring.
 Aug 23rd, 2009
Just look at all these phone #'s Portfolio Recovery uses: 800-772-1413 800-383-8013 757-691-3568 866-691-3568 800-860-0644 866-428-6589 866-909-0529 877-803-0008 866-299-7422 866-879-2116 757-321-6278 800-722-1413 757-519-9300 866-532-9661 866-299-3632 866-109-93463 817-759-1364 800-803-0008 757-321-2508 866-940-7640 757-321-6277 800-320-9347 757-961-3546 757-961-3544 757-961-3548

Luckily my phone has the option of blocking calls.
 Jul 28th, 2009
Steven D. Fredrickson has been known to s*"k on his mother's c**k and someone at Portfolio Recovery told me that Steven D. Fredrickson still does this to this day. What a guy and it is nice to see that he is nice to his mother.
Steven D
 Jul 28th, 2009
Steven D. Fredrickson has been known to s*"k on his mother's c**k and someone at Portfolio Recovery told me that Steven D. Fredrickson still does this to this day. What a guy and it is nice to see that he is nice to his mother.
 Jul 28th, 2009
Claire Arndt from Portfolio Recovery is a stinking pig - we should call her at 757-961-3537 and irritate her the way her and her POS company irritates us, right Claire Arndt you disgusting piece of rat backside.
 Jul 11th, 2009
-This 1-800-772-1413 has called our house 3 times since 9 this is now 10:30 a.m. The 2nd time they left a message saying this is Portfolio Recovery Associates please return our call at 1-800-860-0644 this is an attempt to collect a debt. First of all they didn't even say a name and second of all I have no unpaid debt. I have shut off my ringers and my answering machine! So annoying!
 Jun 02nd, 2009
This is nothing more than a RICO operation disguised as a legit collection agency - they are an illegal boiler room operation, albeit a very large "room" and really...these people, including the employees who are complicit in the criminal activity, need to be arrested and prosecuted...and they will be...just a question of when.
Tom C.
 Apr 10th, 2009
There is a derogatory picture of Muhammad on their website. As a Muslim, I am deeply offended by that and I have contacted them and asked them to please remove this picture off their website. I hope that they will do so or I shall contact them again.

This is their despicable website:
Alseez Muhammad
 Feb 22nd, 2009
Portfolio Recovery Associates, LLC
Aka/Anchor Receivables Management
Corporate Headquarters
120 Corporate Blvd., Norfolk VA 23502,
Mailing address: PO Box 12914 Norfolk VA 23541
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

Portfolio Recovery Associates calls from 14 numbers:



 Feb 19th, 2009
Automated phone call from a company claiming to be a debt collector. I have no late payment debts. Turned over to State Attorney General. I believe it's a scam
 Dec 28th, 2008
PRA is also Portfolio Recovery, a collection agency. Here are all the # I've found for them:
 Dec 24th, 2008
woman on message with no name and no company name, just said "debt collector" (from Norfolk, VA address) and to call back... which I didn't of course... I have no debts. Is there anything that can be done about this scam?
 Dec 13th, 2008
 Nov 19th, 2008
What's so frustrating about this caller, they call several times a week and leave a message, spouting the number very fast. It took me a few weeks just to get to a piece of paper to write the number down. There's never a real person on the phone. Once I got the number and called it, they're never there! They say to call within certain business hours, but I've yet to reach them during those same business hours! I have no idea what or whose debt they're trying to recover, and it's driving me crazy!
 Nov 16th, 2008
Left message to call Kinetta Williams at 866-428-6589 Ext 11294

Know your rights.

Portfolio Recovery Associates, LLC
Aka/Anchor Receivables Management
Corporate Headquarters
120 Corporate Blvd., Norfolk VA 23502,
Mailing address: PO Box 12914 Norfolk VA 23541
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

Portfolio Recovery Associates calls from 14 numbers:
 Oct 03rd, 2008
ALWAYS a recorded message and wierd time of the day for debt collecters to call- sunday nights at 5:00pm weekdays at 8:00pm- we don't have any debt we owe so it must be scammers!!!! ANNOYING to get so many calls. At least 3-4 a week!!!!
 Sep 18th, 2008
Portfolio Recovery called and asked for a return call to 800-860-0644. These companies look up the SSN of debtors and then look for similar SSNs with the same last name figuring they will get a family member. They then get their phone number (from Comcast in my case) and call in an attempt to put pressure on debtors by harassing their siblings! I owe nobody a dime so getting calls for debtors other than myself regardless of who they are is an infringement on my rights of privacy. It will cost me $1.45 per month for an unpublished number which I plan to file a claim in small claims court for against Portfolio Recovery at some future date.

Today I called Portfolio and spoke to Chris. I asked him about the weather, how his weekend was, if he was married etc. He asked the purpose of the call and I said that since their automated system keeps calling me and I'm retired, I should do them the courtesy to return their call, at least as often as they continue to call me, after all it's their dime right? We should make a list of all the people who use this strategy and schedule everyone to call each of these numbers at a given time on a certain day for each and bury their switchboard. Whaddyathink?
 Sep 15th, 2008
This is from Portfolio Recovery Associates, a very low class collection agency.
Their computer calls and asks you to call them back. The reason they do this is they have a system that when you call back, they have the phone number you are calling from including the name of the owner of that phone, they have the address of the phone number you are calling from. In other words, when you call back you are doing their work for them.
 Sep 15th, 2008
Just send an email to and ask them to stop calling. They will comply.
 Sep 08th, 2008
My dad got this scam call and they said he owed money. They said they were a debt collection agency and they were trying to get his personal info. He told them to send him something in writing because he does not own a single credit card. They didn't believe him and he hung up on them. Later my sister checked my dad's credit report and he had no such debt that they claimed he had. Watch out for this phone call.
 Jul 14th, 2008
This phone number is for a "bottom feeder" debt collection agency, trying to collect on old debts that are past the statute of limitations for collection. They will use whatever means possible to obtain your information. If you do pay them, it is possible the payment will show up on your credit report as a paid overdue account, and will be there for seven years. Also, these "bottom feeders" continually change their 800 phone numbers. Remember, if you call them on an 800 number, they will have the number you are calling from.

Other 800 numbers from these bottom feeders (google them for more information):800-860-0644; 877-803-0008; 800-772-1413; 800-654-8818; 757-519-9300; 215-441-3000; 215-441-3000 / 800-220-2274 / 800-709-8613; 800-685-4343 / 800-229-7670 / 888-550-4514; 888-249-4134 / 866-352-0237 / 312-360-3000; 888-656-7870; 800-754-0837; 800-651-4577; 516-714-1300; 877-982-0001; 860-242-7585 or 877-588-3630.
Mark A.
 Jun 25th, 2008
Answered the phone and stated "This is a Debt Collector company named Portfolio Recovery...please call back at 800-860-0644...It was to collect a debt....They called from # 877-803-0008....I left a message not knowing anything.....Now I see many others have had this issue...
 May 11th, 2008
I believe this "Portfolio Recovery Associates" is involved with Bank of America (BOFA). My annoying calls started right after I opened an account there. Is there anybody out there that has an account with or noticed the calls started after getting a Bank Of America credit card?
 Apr 30th, 2008
left a message with company name and address in VA. THEY CALLED ME ON A SUNDAY AFTERNOON. asking to verify my SSN. i wouldnt tell them and they got mean and hung up. not very professional.
 Apr 27th, 2008
Recieved call on office phone. Called back and was told their computer system was down and asked to call back in 1 hr. Called again and asked them what this was regarding. I gave the lady the phone number (which they already had) and she told me it must have been taken out of the database as an error because there was no record. She did not ask for money or more information. Mysterious.
 Apr 06th, 2008
Same as others have reported, however, the voicemail also mentioned company name Portfolio Recovery Associates and their address 120 Corporate Bvld Norfolk, VA 23502
 Apr 06th, 2008
I found free letters on that you can mail to this a@@holes to get them to stop calling you. They also have an article on how to deal with them. Fight back, they have to respect your legal rights.
 Mar 06th, 2008
 Feb 25th, 2008
This number has been calling me for weeks. When I answer, there is no one there. When I let my machine pick it up, they leave no message. This is getting extremely annoying. I am on the do not call list.
 Feb 19th, 2008
Left message on answering machine. Number that called was 800-772-1413, ask for us to call back to number 800-860-0644. Have called several times a day. Said this was a debt collector.
 Oct 28th, 2007
Calling all the time. Same as others. Recorded message about debt collection. Not sure what good it does to post about it here, but there it is.
Brockton MA
 Oct 25th, 2007
If you get a message saying to call them back do NOT do it. There is a machine you attach to your phone that sends junk calls to your answering machine or out to oblivion so your phone doesn't ring. If you answer the call you are letting them know yours is a "live" number and you will continue to receive calls plus they will sell your phone number to other scammers. Be Patient, Do not answer and in three to six months the calls should subside.
 Oct 12th, 2007
Thank you SN for that information. They just called me and I just got this phone number yesterday. Heck I don't even know my own number so I know they shouldn't have it.
 Oct 05th, 2007
please stop calling my phone
william dozier
 Sep 30th, 2007
If you get a call regarding a debt from Portfolio Recovery, you will be harassed on the phone. They will deny you any proof of the said debt. Please file a complaint with the FTC (Federal Trade Commission). Here is the website for the complaints:$.startup?Z_ORG_CODE=PU01. Fill out all information on their form. File a complaint for every call that is made to you. Portfolio also does unauthorized credit checks on your credit report. Go to get a free credit report. Put a fraud alert on your credit report so that nobody can run a credit check on you without your authorization. Good luck.
 Aug 29th, 2007
I got a call saying I opened a credit card in 1993 in a name I have used in over 20 years. Barbara Crum was the name of the representative that I spoke to. She asked for my business number which I flat out refused to give her. I actually *67'd Portfolio on my cell phone but they still got my number and called me back. I told her that was not my name in 1993 and that I would not have opened an account or credit card in that name. She said I owed $2,100 but would take $1,075 as a settlement. I find this odd that a company would take 1/2 of what you really owe. Well, I do not have a credit card in that name nor would I have opened one in that name. I tried to explain this to Barbara Crum but she keep talking over me to the point where I had to tell her to SHUT UP!! Finally, she stopped and let me speak, unbelievable. Is this how you get people to pay a debt, by bashing them and screaming at them? She even offered me her home phone number, which I said "no thank you" to. I asked for backup of the original debt owed and was told that they do not have it. So, I said you get nothing, not one penny unless you can prove I owe the said debt. I finally hung up on her and filed a complaint, excuse me, I filed two complaints with the FTC (Federal Trade Commission). If you want to file a complaint go to: and file a complaint. This harassment must stop. They also illegally do credit checks on your credit report without your authorization too. BEWARE!!!!!
 Aug 28th, 2007
They even call on Sundays mornings before 8:00am. Voice says to call 800-860-0644 about a debt.
Diana Glawson
 Aug 27th, 2007
Lady called twice in one day for person unknown. Called again and said "uh uh" and hung up. Would not give name, but, phone number did appear on caller ID. Found this website. I have a phone software zapper, they will not get through again. They have been ZAPPED.
 Aug 21st, 2007
Received call from this place today. Recorded message stating they were trying to collect a debt & to call back @ 800-860-0644. I called back to find out WTF & all I got was weird ringing in my ear till they hung up on me!
 Aug 19th, 2007
We've received about 4 of these automated calls according to my wife. We may have received more but our answering machine was offline for a while. After this last automated call, I called the 800-860-0644 number and got a recording saying they are Portfolio Recovery Associates and telling me their working hours. When I called they were closed and I was offered to leave a message but I didn't. I'm going to look into blocking their number.
 Aug 11th, 2007
I called these people back to give them a cease and desist with the phone calls. When I gave them my home number they tried to match it with a woman that rented my house from the previous owner. I have lived at this address and have had the same phone number for over 10 years. There must have used her old address and matched it to mine to find MY number. There is no way this woman had the same phone number. This woman must have owed someone money because we used to get postal mail from connection agencies address to her.
 Jul 21st, 2007
Thanks David still has that free letter and it worked. Thank you so much i was getting so pissed.
 Jul 12th, 2007
constant calls with recorded messages, doesnt leave company name which is a violation
 Jul 10th, 2007
THIS IS A SCAM. This company makes cold calls leaving messages that you owe money. You call back and they first demand your name and address. They apparently then sell this information as a database, such as for reverse phone number lookup directories.
 Jul 03rd, 2007
They claim to be collecting a debt owed by someone not at this address.
 Jul 03rd, 2007
I have these incessant messages. Now I know I'm not the only one and will ALSO be reporting them to the FCC or whatever division supervises these people.
 Jun 30th, 2007
I just talked with them, and had a fine interaction. I called - they answered. I said "you keep calling and leaving messages, and I'd like you to stop". They said - what number are you calling from. I gave them the number. They said - looks like we are looking for "Bob". I said I don't know who that is. They said - Ok - thank you. Not positive that the calls will stop. But otherwise it was a prefectly professional call.
 Jun 28th, 2007
called on a sunday night ... was a message ..
john doe
 Jun 18th, 2007
This company is NCO Financial & seems to have connections with Calvary Portfolio. They recently shared the number 918-280-0811 with slightly diffent addresses in AZ. Their specialty is "junk debt". We need to file everything we can think of against them.See or Budd is a consumer advocate. There are over 300 reports on NCO alone.
 Jun 15th, 2007
Got the same message as everyone else. If this co. was legit it would identify itself on the message. I am so sick of junk like this. It must be a scam if everyone else had a bad expereince with them. Like I don't have enough to do already...I have to field calls from people like this!
 Jun 13th, 2007
I had also been getting this message on my machine. I called back, asked the name of the company--she wouldn't say (refused--"There's lots of companies in this building. Which one are you calling?" I responded, "The one who called me." She knew what # I was calling from; she then told me who they were trying to get a hold of (not me), and then said they would take me out of their computer. I mentioned I saw on a website that a lot of people seemed to be getting called by them, and to make sure they got rid of my #. She thanked me (sincerely--I'm sure.)
 Jun 07th, 2007
Woman was rude and hateful but dont want to give info or id themselfs.
 Jun 07th, 2007
Woman was rude and hareful but dont want to give info or id themselfs.
 Jun 07th, 2007
a woman telling us to call back and talk about settling a debt from a bill collector
 Jun 06th, 2007
Please return my call. This communication will be with a debt collector and any information obtained will be used for that purpose.
No name or mention of company.
 Jun 03rd, 2007
Recording has called me at least once a week for over 6 months. I do not owe anyone and my number has been on the "do not call list" for years. I will pursue reporting.
Thanks for all the other comments, now I know what it is and can make a plan.
sacramento sue
 May 05th, 2007
I got the same message on the machine as everyone else here.
 May 01st, 2007
Same story. A recorded message ask me to call back regarding some debt collection on a Sat night. It is just stupid to call ppl to call back.
 Apr 29th, 2007
 Apr 20th, 2007
Hey guys there is a free website that someone posted on here earlier that really does work to get rid of these annoying people. go to they have a lot of useful info. hope this works for you too.
 Apr 18th, 2007
We have received these calls several times. Same as others. Very annoying. We have no debts. What recourse do we have? Can we file a complaint with the FTC? I don't care if I get anything out of it, as long as they are fined or punished in some way.
 Apr 14th, 2007